davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

Citimortgage has consistently for more than 3 years lost documents, required innecessary documents ( birth certificates ), ran credit checks during modification processes. They have refused modification due to " irreconcilable differences '' and refused to give an exact reason for modification refusal. Did however state that it has nothing to do with my ability to pay my mortgage. In XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists '', and in XX/XX/XXXX we were transferred over to XXXX different " mortgage specialists ''. Each time it was requested that we submit paperwork. I have submitted 5 years of tax returns, 4 years of income, birth certificates ( twice! ), bank statements, income verification forms, etc. I filed a complaint with the Consumer Financial Protection Bureau and Citimortgage replied on XX/XX/XXXX ( complaint # XXXX ) with only a partial answer. Final answer were suppose to be over to Consumer Financial Protection Bureau by XX/XX/XXXX but was never answered by Citimortgage. Now this complaint seems to be missing from the Consumer Financial Protection Bureau data base. My life has been on hold for over 3 years now while waiting for this modification to be completed. All along our income has fallen within the guidelines of this modification.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Citi credit card named " My Best Buy ''. I have been a customer with a meticulous payment history for over 10 years contacted me to try to collect a payment they felt was past due. I provided the electronic payment information from my bank to them to prove they had been paid weeks ago. They refuse to acknowledge payment and have tacked on interest and late fees. I have made countless efforts to resolve and have asked for a Supervisor to call me, to no avail. I contacted my bank and they confirmed that Citi was indeed paid and have also sent proof to them. Still, they will not acknowledge it. I have spent several days and countless hours trying to get them to do the right thing and they refuse to fix the problem, or to allow me to speak with a Supervisor.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

After month 's of a barrage of marketing material for Citi Advantage ( XXXX ) XXXX Card to replace my XXXX XXXX card from a different bank, I accepted their offer for their card. As part of this deal they promised XXXX additional bonus points if I used the card within 3 months of opening it. In early XXXX XXXX XXXX ) I received a marketing piece in the mail from them that on the front page stated, 'Last Chance Earn XXXX Bonus Points. ' In early XXXX. I charged {$3600.00} on this card, which I paid off in XXXX ( XXXX ). 
I recently reviewed my account and did n't see the XXXX bonus points credited so I emailed them. I received a response that my offer had expired, so no points would be credited. They did not respond to my questions about their early XXXX marketing material and my 'Last Chance ' to earn these points. 
Honestly, I may be outside they claimed 90 days from when their card was issued, I ca n't imagine by too much as I did put this card away for my XXXX shopping. However I submit that their marketing material induced me to use their card, which clearly stated it was my 'Last Chance. ' I also think they know they are wrong and probably have thousands of other customers like me who now are just a little bit unhappy with their Citi XXXX XXXX XXXX card.
Consumer complaint received 2015-04-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

Sears representatives fraudulently processed a home improvement account in my name. My wife, XXXX XXXX, requested a Sears home improvement account and I provided my driver 's license number as a co-applicant over-the-phone. My wife could n't secure the amount of the home improvements so instead of an account in my wife 's name, it was processed in my name only. XXXX XXXX XXXX told her District Manager in XXXX, LA that my wife signed my name which if my wife did and she did n't that would still be fraud that XXXX XXXX XXXX, a Sears rep, was aware of. 

On XX/XX/2015 at my wife 's and my residence in XXXX, LA, I explained to XXXX XXXX XXXX that the home improvements are for my wife 's mom 's house and my wife only has a 20 % interest. I asked that Sears expeditiously complete the work or refund my wife 's money. I have no claim to my mother-in-law 's property and was willing to be a co-applicant if my wife qualified for an account. 

When my wife did n't qualify for the Sears home improvement account, Sears did n't ask me in advance if I would be willing to be the sole applicant which I am not willing. I believe I should have been asked before a Sears home improvement account was processed in my name and XXXX jobs were assigned against it. 

On or about XX/XX/2015, I asked XXXX at XXXX to cancel my Sears home improvement account. XXXX told me that she closed the account. She said that my wife, XXXX XXXX, should work out alternative payment plans with Sears to receive the windows and doors as well as siding. My wife decided to limit the Sears home improvement to the windows and doors and was instructed by a Sears rep to use my closed Sears home improvement account number XXXX. On XX/XX/2015, the day before the windows and doors were to be installed, the installer thought he was going to do the job on XX/XX/XXXX-XX/XX/2015 but Sears put the job on-hold later that afternoon. Sears reps wanted me to call XXXX and activate the account that I did n't request. I did n't want to activate the account or give validity to it. 

We have asked Sears/XXXX for a {$8300.00} refund in full for the windows and doors that Sears home improvement placed on-hold and we want to use an alternate source because of how Sears reps have treated us. 

I have asked XXXX at XXXX to receive a copy of the Sears home improvement application that initiated my XXXX account and told her that a Sears rep mistakenly instructed my wife to use this account when making alternate payment plans. We are stuck in a situation where XXXX does n't want to release my wife 's {$8300.00} and Sears does n't want to perform the work all based on a fraudulent Sears home improvement account in my name. 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX : ( XXXX ) XXXX : ( XXXX ) XXXX
Consumer complaint received 2016-07-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NM)

My mother passed in XXXX XXXX unexpectedly in a XXXX accident. My stepfather was driving when the rear tire blew. XXXX suffered XXXX from not wearing helmets. My mother had a mortgage note as a married woman sole and separate property. XXXX XXXX payment was done online XXXX XXXX, XXXX and posted to the account XXXX XXXX, XXXX. XXXX XXXX, XXXX the executor of their estate resigned. XXXX XXXX personal rep app. was approved. Foreclosure attorney filed default, demanding payment, late fees, interest ( etc. ) be paid from XXXX XXXX, XXXX to XXXX XXXX. Probate was opened by my first attorney approm. XXXX who filed a wrongful death suit. Probate was finished with my second attorney, whom I retained XXXX XXXX. I had informed my attorney ofWhile waiting for application approval and letters of testimary to be issued, she began dialog with the foreclosure attorney 's office with requests of reinstatement and payoff quotes.Foreclosure attorney 's used many delay tactics while pursing foreclosure and reached appoint of a special master and sale date set. She was able to get the sale cancelled and reinstatement was established. I did inform my attorney of pmt made in XXXX. Since that time the Foreclosure attorney 's office has been sued for unfair business practices no longer representing the mortgage company. XXXX to present several defaults have been filed, reinstatement established. The last being resolved XXXX. However this current reinstatement quote began date XXXX. Knowing for fact XXXX was paid on time Learning the note does not fall into default until after the XXXX of the month I wrote the mortgage company requesting corrections to the account be made numerical listing them XXXX and account should be corrected to show listing them XXXX. Attaching documents of proof and dated contact log with names, brief detail and outcome most often including the time. Additionally offering but not including recorded conversations with their representatives. I requested notification of any fees for these requests or services before being charged. In their response they stated after their review they did not find any errors. Denied my request to waive late fees.Each monthly statement prior and since includes a late or past due fee but when I review the information online account states this fee is a number of different things.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have been trying to resolve problems with Citibank andtheir XXXX credit cards. The matter has been going onsometime. I need to resolve these problems but thebank has not been helpful, other than sending formattedlong letters. I hope they come up with a solution.
Consumer complaint received 2020-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. 

I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Consumer complaint received 2015-04-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: M&T BANK CORPORATION (MD)

A EFT was taken out of my M and T bank account in the amount of XXXX on XXXX XXXX, 2015 by XXXX XXXX XXXX. I called the bank on XXXX/XXXX/15 to have the payment deauthorized. I was refused and told M and T that I could ONLY file a dispute. I filed a dispute. I was denied. I called XXXX XXXX XXXX and they spoke to the bank after speaking to XXXX supervisors I was turned away again. I was advised that I had up to XXXX days to deauthorize any payment.
Consumer complaint received 2017-01-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IN)

XX/XX/2016, I contacted CitiMortgage once I notice that we were behind on the mortgage. At that time, we were four months in the rears. I contacted the modification department hoping that I could set up a payment arrangement through loss mitigation department. Our specialist was XXXX XXXX who worked with us all the way until recently XX/XX/2016. I have sent all the required documents at least three times even after she said all the information was in. On several occasions she told my husband and myself that other people were more urgent because they were actually in foreclosure. In the mean while they expressed that our case would be closed if we did not sent in more documents, which often were the same. We hurried to send in all request even if they were duplicate by email within the two-day window given. We wrote countless letters explaining the same information. In addition, were required to give information such as my teachers ' contact which had nothing to do with determining my salary thyat was verfied by others in the loss mitigation department. Each time our specialist informed us that the loan officer was requesting all these documents. At this time we 're now more than 5 months out without a resolution of a plan. In the meantime, XX/XX/2016, we received foreclosure letters. We sent the court a letter stating that we would like to have a mediation to come up with a plan to keep our home. All while Citi gave us a new case specialist who yet once again asked for updated information in which we are still complying to date. Also, we consistently received conflicting information from the loss mitigation phone line, supervisors, and specialists. 
This has really caused a hardship and we feel we are in limbo. We have made every possible effort to have resolution yet nothing has happened.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AL)

I spoke with Navient about getting put back on a payment plan for my private loans since the payment plan that i was currently on would be expiring soon ( XX/XX/XXXX ). The representative assisting me took income/expense information from me and asked me to contact my co-signer to provide her income/expense information. After they gathered the necessary information, i was told that i qualified for a repayment plan with a 1/2 % increase from what i was previously paying. Due to my financial hardship, asked if there was any way that i could continue to pay what i had been paying. I was told no, and informed if i was unable to make the payment that my co-signer would have to. I told the representative that me and my co-signer would do the best that we could to pay the new higher rate. Navient then informed me that i am required to set up my account for them to automatically be withdrawn. I agreed since that is how it was set up previously. They had me verify my account number that they already had on file which was confirmed. XX/XX/XXXX me and my co-signer were contacted stating that i was behind significantly on the behind and demanded that i pay {$1300.00} dollars. I informed them that this should not be the case since they are set up on autopay. they then informed me that the payments have not come out successfully due to them not being about to " locate my account '' and that my bank needs to fix something on their end. I contacted my bank and they are unaware of what Navient is describing. Navient has called me several times a day harrassing me and my cosigner demanding that we pay the {$1300.00} now. Navient also had my address incorrect and i never recieve any documentation about my loans in the mail. I have verified with them repeatedly my address and someone always tells me that they have it updated and it never is when i call. it makes me think that if they can not get something as simple as my address correct, how can i possibly trust them with caring for my account. I 'm completely disgusted with the way that Navient handles business. something needs to be done and they need to help borrowers who are unable to make their payments.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have been on an income driven repayment plan with Navient ( f/k/a XXXX XXXX ) and every 12 mnths they need to " update '' your information so you have to re-apply for the income driven payment. I have a husband and they insisted that the only way to not have him on the loan was to switch my plan to Income Sensitive repayment plan. So before my plan was due in XXXX XXXX I called in XXXX, they told me to wait until XXXX, I called in XXXX I submitted my information for the income Sensitive plan. Meanwhile every year I have been paying, at the end of every 12 mnths they have placed my account in foreberance until it re-activates. I have called 5 times and not one person has advised me where my account stands. I have a payment which is due in XXXX which is over double my payment which I normally pay every month. I was told on my third call into Navient that my account would once again be placed on foreberance, I did not request it it was done for the transition time to switch to the new plan. I have an email stating that my plan is in foreberance until XXXX XXXX but my account does not show same. My account is not in foreberenace I have a large payment due in XXXX. I was last told on my last call that my Husband could have been omitted from my plan and I would have never had to pay a {$5.00} fee ( which I was charged twice for ) for to switch plans. And to be able to switch plans to income Sensitive I have to pay the payment of {$900.00} to exit the income driven plan. I was never told this information, I am now stuck with over {$1500.00} that is due in a matter of days that I made clear to them I could n't afford which is why I am on an income plan. They have not been able to help with me since I contacted them in XXXX. I have an account that is going to be past due because not one employee there can give me an answer as to what exactly is going on with my account since XXXX XXXX, everyone has a different answer. I need help, I ca n't afford this and now I am stuck with everything going against me. Not only have I been working to pay my payments every month, I have gotten nowhere. My account has been placed in foreberance so many times my loan is actually larger then the originating amount because I ca n't simply continue through the year to may my payments I have to be placed in foreberance.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I have student loans from Navient. I called and had my student loans put into deferment while I was in school. Well I found out that since I was only taking one class they had to be put in forbearance. I called them to have it done. Well it turned out it was not done, I had emails and letters saying that I was past due on a payment and it was reported on my credit report as late. I am still in school and after calling they were finally put in forbearance. However they said they would not take it off my credit report as late because they do not do that, it will stay on there as late.
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (WA)

Due to misrepresentation of services and fraudulent practices, we are stuck paying {$4900.00} lump sum in future monthl payments for a product we do n't use Due to misrepresentation, we were stuck in a 48 month contract that did not perform like promised. Now, we are expected to pay {$4900.00} up front. We started working with XXXX XXXX in XXXX 2015. XXXX XXXX promised in writing a 1 % rate on all CC transactions and 0 % debit card transactions. It was never disclosed that we would be working with another company ( XXXX XXXX ) We were also promised a XXXX machine that would be compatible with quickbooks for accounting purposes. We were sent a different model of key pad, but I did not complain since we were going to be saving at least 2.5 % ( 1.5 % more than promised in writing ) on all transactions. For the first few months, I noticed we were getting charged anywhere from 5 % to 9 %. After trying to get a hold of XXXX XXXX, I finally got a hold of XXXX XXXX of XXXX XXXX ( XXXX )? We had to settle for 2.5 % and 3.5 % that she refunded for a few months. Then it became difficult to get a hold of her, and we were not receiving any refunds for being charged 9 times more the percentage than promised in writing. I finally faxed a termination/cancellation letter to XXXX asking that we cancel with XXXX, XXXX XXXX ( I had just learned that they were involved in the actual contract ), and any other companies involved. I stopped payment being taken out from any companies that I did not recognize through my bank because we were n't using their services. I get a letter from XXXX XXXX about an amount owed. I called back and told them that it was cancelled due to non-performance and misrepresentation. They said that it was impossible to cancel. I was reported to the credit bureaus for non payment on personal and business and chased down by collection company Hunter Warfield. Now my business and personal credit is ruined for years and I am being forced to pay over {$4800.00} for a service that I have already cancelled and was n't performing like promised in writing.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (IL)

Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.
Consumer complaint received 2022-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (PA)

M & T Bank refuses to call me back regarding my request to modify my home mortgage and remove PMI. I 've followed their requests to pay for an appraisal of their choosing, and when the appraisal was completed I received an autonomous letter signed " Sincerely, Insurance Servicing ''. When I call the only number provided, there is no choice for the topic of my inquiry, and I have had to spend excessive time navigating the automated system that has no mechanism to direct me to a human M & T representative. When I go thru an option that is not why I 'm calling, I finally speak to a customer service rep who is not even allowed to provide me their complete name. They have no authority, they just put me on hold and eventually I speak to a person who just reads me back verbatim what is contained in the autonomous letters signed XXXX XXXX. When I ask to speak to someone in XXXX XXXX, I 've been told it 's not a department. I 've never felt less regarded for my business and my existence as a fellow human being. I 've been waiting two weeks now for someone with direct knowledge of the letter 's I 've received to call me back and discuss my account. M & T has no regard for me as a customer, and I would never recommend doing business with this bank.