davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I ordered a bag of smoothie mix from a company, received it, this went fine. A month later they sent me another that I had not ordered. I contacted them and simply asked that they discontinue sending me more. They agreed. A month later they sent me a third bag. I told them that I would not pay for this, so they requested that I return the product. I sent it back to them and they did not refund my money. I contacted them asking about it but did not receive a reply. I then submitted a dispute with XXXX including the return shipping information and XXXX rejected my dispute. a ) I was repeatedly wrongly charged, b ) the seller has taken both the money AND the product.
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (NM)

In XXXX of this year Costco issued a Citi credit card in my name, as the primary on the account, without my express consent. They claim that they sent a letter indicating that existing Costco credit cards with XXXX XXXX would be switched to the Citi card. I did not receive such a letter. I found out only a few days ago that the Costco XXXX card I had was canceled and a new Costco Citi card issued in its place. At no point did I give authorization for such a change. Was it legal for Costco to issue the Citi card in my name without my express consent?
Consumer complaint received 2015-05-22
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A. (FL)

Contacted at XXXX XXXX EST on XXXX/XXXX/2015 from phone XXXX sears department to my cell phone at XXXX. I told the rep that I will make payment on the next due pay because I had tried to make a payment extension to avoid late fee and it was not granted so I received a late fee. Rep told me if I wanted to make an automatic payment on the due date and I said no. Rep then told me that If did not set the automatic pay I will continue getting calls. I said that 's ok I am busy good bye.
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars.
Consumer complaint received 2015-12-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (MA)

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, 2015 Honorable Senator : I am in need of your assistance. The situation is thus, a few years ago I cosigned student loans for my Daughter XXXX. Situations that were unforeseen occurred. My Daughter XXXX reneged on repaying the student loans. XXXX of the loans went to collections, when I was contacted by the collection agency I was threatened. Not knowing any better, I started to make payments. I later found out that what they did was illegal. 

I am getting on in years and ready to retire. Things have gotten worse. I had to file for bankruptcy to protect my home. Tried to take advantage of the HARP program, but was denied due to no credit. It 's to the point, We are living paycheck too paycheck. 
We have no funds available to cover any unforeseen problems that may come. 

The funds should 've gone directly to the college instead they went to the student. In our case, she spent all the money on herself and not for further education. The funds should go directly to the college. Out Daughter XXXX, scammed us and the loan originators. 

We are at the point that we can no longer afford to repay these student loans. I believe your office can help us. Why is it that the student is not responsible for repaying the loans, the loan companies go after the cosigner? 

I believe you could submit legislation to prevent this from ever happening to anyone again. The student should be held accountable and be responsible for repaying their student loans and not the cosigner. 

But in the meantime, I need any assistance Your Office can provide Me. Any help you can offer would be greatly appreciated, in regards to programs or legal legislation that can offer student loan forgiveness. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I have been receiving a letter acknowledging my authorization for automatic payment from my bank account on my macy 's credit card and the macy 's XXXX I had until XXXX of 2014 when I cancelled the XXXX out of frustration in not resolving this issue. Each letter I received was addressed to a different name, however it had my address and my account number and the correct billing information for that account. I called mace 's several times : twice I was told it would be fixed and it was not. The last time I was told that it was a computer error and could not be fixed!
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (NY)

I have a Citi Bank credit card for which I paid the balance in full. Under the terms of the credit card agreement, as well as the standard for most other credit cards, when the balance is paid in full, no interest is charged. Instead, I received a bill charging only interest, no purchases. The charge was for interest in the amount of {$38.00}, which seems excessive especially in light of the fact that the balance was XXXX. I chatted online with a representative who said he could n't help me, but would have a manager call me back within XXXX hours. No one called. The problem was still unresolved. So, I chatted again online the next day with another representative who was unwilling to help, but promised he would have a manager call. This was about 4 days ago, and still no one has called me back, and the charge is still on my account. I completely dispute this charge and do not want to be forced to pay an improper charge with the threat that my credit is going to be detrimentally affected.
Consumer complaint received 2016-08-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I received an alert that a credit inquiry was done by CBNA XXXX XXXX XXXX XXXX, SD from XXXX on XXXX XXXX 2016. I did not request this inquiry and I would like to know who requested it from CBNA?
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (VA)

Predatory Mortgage Servicing ; was an FHA loan now under Citi Financial. They knew I would retire before the loan would be halfway finished and that I would n't be able to afford the payment on social security. Now we are facing having to move, with my son whom has XXXX XXXX and my wife whom is XXXX as well. 
Citi financial claimed to be trying to help us with a modified mortgage but we just found out, after almost 10 applications for one, that they never claimed my wife and XXXX son as dependents, making it look like I was supporting ONLY Myself on XXXX a month. We have had the mortgage since XX/XX/XXXX but Citi Financial became the servicer XX/XX/XXXX.
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

XX/XX/XXXX, I submitted a letter to CitiMortgage asking them for any and all transactions from XXXX to now. CitiMortage sent me info on the monies received .When I had asked for any and all transactions.In XX/XX/XXXX there was a letter sent again. There response was the information requested is substantially the same as information previously requested. They refuse to give me access to the information I as for.
Consumer complaint received 2022-10-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc. (CA)

I have applied for Mortgage Financing on my new home with Better Mortgage, I recieved a pre approval letter, reviewed it with loan officer, sent all required paper work and locked the rate on FHA 4.625 % XX/XX/XXXX, for 30 days. I have signed a contract with the home seller to be closing XX/XX/XXXX. The loan team started working on asking paper work and I was getting everything they have been asking for and XX/XX/XXXX. They have removed contingency on my loan and gave me approval to submit for my seller. So far everything is good.they sent final disclosure and I signed it.which can not be changed at this point!!! After 4 weeks of working with them and 1 day before closing..I recieved a call from Better Mortgage File Processor that my FHA loan can't be approved for realy not a valid reason, the guy who talked to me had no clue why!! He was saying the income of my business is not for 12 months it only for 9 months, However I have been asked to submit only for XXXX, and nonome asked me to submit information for business profit on XXXX, they want to make it my fault trying to escape from the rate that I have already locked. And he suggested that If I want to close on time I should switch to conventional loan, they jacked the rates up, and they didn't want to owner the rate that I have already locked. In adition to all that they're increasing the loan cost and taking advantage of me because I need to close as soon as possible or I will lose the contract, these guys with their dishonesty and their illegal actions of changing costs and points and rates without even reviewing and telling. and sending me forms to sign imagining I'm not going to read what I'm signing on 1 day before closing. 
I want to report this, please someone look into my situation with this lender and I need to be compensated for all damage they caused.. I have to move out from the place I rent tomorrow and we basically have to stay in a hotel because they have delayed closing and bending my arm after all the approvals Inhave rexieved and after receiving a final disclosure to agree with last minute changes to the loan cost that is requesting additional {$19000.00} and a very high PMI more than what I have been told before at the beginning.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

XX/XX/XXXX I switched to a income based repayment plan. Prior to this, I was enrolled in auto-pay and received a 0.25 % decrease on my interest rate. After switching to income based repayment I was locked out of my online account. I have been calling Navient since the beginning of the year for this to be resolved and they have it being looked at by IT but still no results. In the meantime, I have been unable to access my online account for payment information and notifications. I also have not been able to enroll in auto-pay which has made me pay the extra 0.25 % interest since I switched my repayment option. Navient is not resolving my online access ability and sending me emails but I have no way to access the information they send me via email because it requires you to login online at Navient.com.
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have been paying huge late fees when I should n't have been paying them at all or very less than what I have been being charged. Also, I have been given misinformation every single time I call them with questions and each time a different person gives me completely different answers. It has been extremely frustrating working with this company. My loan amount was very large and I live in California for my job so the fact that they have been essentially stealing money from me for years has impacted my financial situation to the point where I could probably have bought my own place by now but am forced to rent a room at my brothers house. I paid them about {$8000.00} up front as soon as I graduated for the " outstanding interest '' ( not sure if that 's the exact name ), have never missed a months payment and have never deferred on my loan so I have been a good customer to them for many years now and I feel violated by the misinformation and have made so many life choices based on the extra money they have been charging me and the terrible information they have been giving me over the years. Going to university was supposed to be the greatest thing you can do in life and an honor and it 's been nothing but a nightmare ever since on the repayment side of it. I want to stress again that I have been working full time for years in a related field to my degree so i have fulfilled my obligations so far on my loan and they most certainly have not.
Consumer complaint received 2015-05-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I am victim of ID theft ; my Identity was compromised. I believe that one or more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Purchase a Phone from Best Buy i.e, XXXX wireless phone paid full amount with my credit cards of {$840.00}. Exactly after a month that is around 26 to 28 days i found that the screen is having Many dead pixels on the display and went to the store that i bought phone, they advised me to go to XXXX wireless for the replacement and went there they asked me to visit bestbuy for the replacement device. Went back to Best buy and they stated they ca n't issue the replacement and again directed me to the XXXX store. This continued for 3 to 4 days so i Have filed my dispute of the charge with CITI visa card. After two month i got the response from the bank that the Dispute was in the favor of the Merchant. I am in a delema and called CITI bank the response was I have to deal with it and they cant assit me further. Even hinted me to get a lawyer or XXXX party people to have this going on forward.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I co-signed both private and federal loans for my brother to go to the XXXX ( XXXX ). Within the past year he 's been unemployed and has deferred his loans. I also paid {$150.00} 3 times to place the loans in forbearance. Navient said he would n't have to pay for 3 months but within that time, they continue to constantly call both of us, send us emails and say that payments are late. Twice within the past 4 months, my brother has called to figure out a payment plan or do what was necessary so this would n't affect my credit. The first time was within the forbearance 3 mts, they said he could defer the loan until XXXX but continued to call me and when I answered they told me he never called and that I needed to pay or my credit would be affected. This was the last time I paid {$150.00} and was told a payment was n't needed for 3 mts but then the calls and harassment started again a month later so my brother called and worked out a payment plan of {$400.00} a month. He gave the customer service rep his checking account information so the payment would be automatically withdrawn from his account every month. Now we are being harassed via email and constant phone calls due to payment not being received since XXXX XXXX, 2017. They are claiming that my brother owes {$1200.00} this time to make him current. At this point, I do n't know what our options are since every month its the same run around and they keep taking our money then saying they need more to make the account current. My concern is how much money has been incorrectly accounted for, will this eventually negatively impact our credit, how much extra interest has occurred and how do we get this to stop. To add to this, Navient never documents when my brother or I have called. I 've asked what 's been documented in the account, nothing. I 've also asked for confirmation emails every time I paid {$150.00} and never received anything. Can you please help us? thank you!
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (WA)

I was in the middle of XXXX loan servicing awaiting decision for a loan modification and the loan was sold to Selene financial. The escrow payment increased over {$400.00} putting me into a greater default position. I have been trying to get out of this ARM loan for the past 12 yeears. Denied due process for a modification because I wanted only outside inspection of my home. Selene Finance sent Default letter before 120 days and started foreclosure proceedings.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

There are credit inquiries listed on my report that I did not authorize XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX FL, XXXXXXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Consumer complaint received 2016-02-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NJ)

1. Multiple ACH in the same month- Selene Finance has done XXXX ACH transactions for XXXX mortgage payment in one week. I have raised the issue but no solution. 
2. Shortfall in escrow- They have increased my mortgage by saying that there is a shortfall in escrow of over {$3600.00}, but have not given a reason how the shortfall occurred! I have followed up multiple times and they say that it started with a negative but they done tell me why the negative happened when the property tax did not increase and the interest payment did not increase! 
3. Incorrect reporting to credit bureaus- I was under a repayment plan and made all payments on time. I represented to the previous mortgage company XXXX XXXX XXXX who corrected the credit bureau reporting but Selene refuses to do it. 
The repayment agreement implied that we make a monthly payment that included a portion of the current payment and portion of the past due balance. From the monthly payment of {$3700.00}, {$2000.00} is accounted towards the current portion of the mortgage and {$1700.00} is accounted towards the past due balance ( para a pg XXXX of Stipulated Payment Agreement ). Therefore, we were current on all payments!!! They are reporting late so the borrower is tied to them for a longer time on high interest rates and bogus fees! 
4. please see other reviews about this company- XXXX