davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.
Consumer complaint received 2016-09-28
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OK)

I would like to file a claim regarding my Citibank Saving 's promotion. I logged into my account and saw this promotion in XXXX. Then I clicked the link in the promotion to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm. Both service representatives confirmed that I successfully enrolled into this promotion, and I should receive the bonus after I completed the requirements. As stated in the terms, this promotion is valid for my existing Citibank Saving account. 

Here are the terms for the promotion offer I enrolled : The cash bonus will be credited to your new or existing Citibank ( R ) Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. To qualify for a cash bonus offer, you must first enroll by clicking " Enroll now '', visiting a branch and asking a Citibank Representative, or by speaking with a Citibank Representative through CitiPhone Banking ( R ) by XXXX/XXXX/16. You must make a minimum deposit of {$25000.00} in new-to-Citibank funds into a new or existing Citibank Savings Plus Account betw een XXXX/XXXX/16 and XXXX/XXXX/16. New -to-Citibank funds are funds that are not currently held at Citibank or an affiliate of Citibank . Cash bonuses are tiered and qualifying deposit amounts range from {$25000.00} up to more than {$250000.00}. The amount of your cash bonus depends upon the amount of your qualifying deposit. The qualifying deposit tiers are : $ XXXX {$49000.00} earns a {$300.00} bonus ; $ XXXX {$99000.00} earns a {$400.00} bonus ; $ XXXX {$240000.00} earns a {$500.00} bonus and {$250000.00} and more earns a {$700.00} bonus. The qualifying deposit must be maintained in the Citibank Savings Plus Account until XXXX/XXXX/16. 

I funded my Citi Saving account with deposit of {$25000.00} in new -to-Citibank money in XXXX and maintained the amount until XXXX, which met the requirements for the {$300.00} bonus in the promotion terms. However, Citibank refuse to give me the bonus stated in the promotion. I contacted Citibank and they conducted a investigation for my case. The result letter of the investigation said that they can not find the promotion in my account. As stated before, I clicked the link in the promotion page to enroll. I also called the phone number provided in the promotion, and sent a secure message to Citi customer team to confirm that I have successfully enrolled into this promotion. I have taken a screenshot of the promotion, and saved all the communications with Citi customer service representatives as my record.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MD)

My husband died from XXXX almost two years ago. He dealt with everything financial during our 40 plus years marriage. After his death I discovered he opened some accounts in my name. Once such account was a CitiBank Credit card. I diligently disputed all fraudulent accounts under the FCRA with the credit bureaus and filed multiple complaints with the CFPB. Thankfully all the matters were resolved. The CitiBank card in question was removed from my XXXX credit report on XXXX/XXXX/2015. For some unknown reason, Citibank just assigned the same card to XXXX XXXX to collect, who has been attempting to collect the debt. I previously completed and uploaded a Federal Trade Commission Identity Theft Victims ' Complaint and Affidavit, which was signed at the XXXX County ( Maryland ) Police Station located at XXXX XXXX XXXX XXXX XXXX, Maryland XXXX.
Consumer complaint received 2016-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (GA)

I have contacted Carter Young many times to inform them that the account that they are reporting on my credit file do not belong to me. I have submitted Fraud Affidavits to them and they still refuse to remove this account. I have no obligation to pay them for this debt. It is not mine and I have never open an account with them or any other facility in regards to this debt. Please assist me in getting this debt remove from my credit file.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (WA)

Alleged original creditor sent an account to primary collection agency that failed to validate the debt, because they ca n't. It is n't mine. Original creditor sent it to this company ( Afni , Inc ) who failed to validate the debt as well. They sent me a copy of a phone bill in my name with a phone number I have never had. This is the second letter I sent them : This letter is to inform your company that you have not sufficiently validate this debt as requested. 

Previous attempts to collect this alleged account have resulted in XXXX ( the original creditor ) failing to provide proof as is required by the FCRA and FDCPA. The previous collection agency, failed to provide the following proof : The amount of the debt ; The name of the creditor to whom the debt is owed ; An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Afni, has failed to provide the following proof : An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Furthermore, the documents that were sent ( postmark XXXX/XXXX/2016 ) are a printout of a bill for an account that has NEVER belonged to me ( see document page XXXX of XXXX that you sent ). The phone number XXXX has NEVER belonged to me. Therefore, the information you have provided is not only insufficient, but inaccurate. 

For the reasons previously stated, this debt is not valid.
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (CA)

I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.
Consumer complaint received 2016-08-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

I had an account for internet services with XXXX XXXX and had canceled the service. After I had called to cancel, they continued to bill me without my knowledge. I then received a bill many months after saying that I had an outstanding balance. I informed them that I had canceled the service and they still billed me even after that conversation. I do not owe them the {$520.00} they say I do. It has gone to a debt collector who continues to try to collect. The collections company has this shown on my credit report.
Consumer complaint received 2017-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company:  Lippman Recupero, LLC (AZ)

No notice to dispute and no information of debt. Lippman and Reed of XXXX sent me a collection bill for {$8000.00} claiming I had an accident years ago and the insurance company suspended my license which I had no idea it was suspended until I was pulled over for having a light out. They took my license and charged me with driving on a suspended license???? The collection letter I received was the first I have heard of having an accident .... I did n't have. I was sent a copy of an affidavit of delivery which was sent to my parents address and they did not receive it. Though a copy, which looks altered, was sent to me. They refuse to send me a copy of the costs incurred from the insurance company, a police report ... .anything showing this is real. This has been going on for a year and I NEED my license back. I am a XXXX and work full time. I can not continue my education and work while paying for taxis. I sent them a request for validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA on XX/XX/2017. I have heard nothing back from them. Please help
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

Ever since FedLoans took over my student loans in XXXX. I have had many issues and none have been resolve with Fedloans company. I have called many times to try to resolve the issues which includes : payment plan based on the 3 x I have summited income driven based ( IDB ) application so I can afford to pay my loans based on my low income status, I have along with summiting the IDB application 3 times I provided proof of my taxes, paystubs and copy of prior lending XXXX letter of approval and amount per the request of Fedloans varies reps. They also in both XXXX and XXXX put my account saying my accounts were not paid up to date. I have proof from both bank statements and recipt showing I had been paying my loans auto deduct from my XXXX XXXX XXXX checking account, and when loan was transfer from XXXX to Fedlaons I had made one payment for the amount of {$24.00} by visa debit on XXXX/XXXX/XXXX to Fedloans to put my account updated, then they said about two weeks later that they never recv. the payment when on my bank account statement clearly shows they remove the money from my checking account, the rep from Fedloans then asked me to make another payment for the same amount, on XXXX/XXXX/XXXX, I advise her I had made a payment prior, so I had to pay once again same amount, when I called them a week later to advise them now I show twice on bank statement the amount of {$24.00} taken out of my account they refused to refund me the over payment, and I had asked that any auto pay or direct withdrawn be remove so that Fedloan wont be able to take out any money from my account, once again they failed to do so because without my permission again they are taking out of my bank account another {$24.00} on XXXX/XXXX/XXXX. I have emailed them to correct this issue, I have called many times but nothing has been done. I have asked for Fedloans to place all my account they have together into XXXX payment plan, but it has yet to be done, I have asked for them to change my payments based on my XXXX income based application nothing has been done, I even recv. a letter stating my IDB application was approved from Fedloans as well but no payment on my account has been changed, I am very concerning that this company has not since day one of taking over my student loans accounts resolve any issues nor have they made any effect in trying to help me. I am afraid they are going to ruin my credit and I have doing so well paying my student loans prior to Fedloans taking over in XXXX. Please help me with these many concerns and issues I have with Fedloans.gov, before the matters gets worse for me. thank you for your time and help.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have been in contact with Navient for months to get a better payment I can afford. Then send me a list of options, I choose XXXX and started paying. Seems simple to me. But yet they do n't change it in their system, so my payments are n't enough to cover the amount dues, then they tack on fees and etc. To me this is bordering on fraud.
Consumer complaint received 2017-01-26
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

Navient call me at least four times a day on my home phone and cell within minutes after talking to them over the phone. They have caked my home at XXXX on the morning and then again on the hour sometimes after talking with a person there will be calls on the hour from a recording. They have called my home as late as XXXX then an automatic call will chine in within minutes of one another. I pay on my loan every month i was told today that Navient was going to take legal action against me. I am pretty sure that I 'm being harassed and to day i was threatened.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

My student loans, serviced by Navient have become unmanageable due to circumstances out of my control and now they are impacting my quality of life and causing XXXX. To be able to graduate from the University XXXX in XXXX meant that student loans were going to be a part of my future. I had no idea that they would be this heavy a burden, or that they would grow so quickly with high interest rates. Navient 's total for my loans at this time is nearly {$32000.00}. 

Over the course of my loans since XXXX, I 've struggled to afford payments and several times have been forced into forbearance or into income-driven repayment plans even though I have worked jobs since being in college. Navient would n't allow me to stay in my income-driven repayment plan. They said the reason was changing policies that were out of my control. These new payment amounts are far beyond my means, even though I do have a job. The deadlines for certain forms had passed before I even knew they existed. 

I 've done my best in keeping these loans in good order and paying them off to the best of my ability. Navient has not helped in this and at times has made it harder to understand my options or answer my questions. Unresponsive when I contact them, however Navient sometimes contacts me several times per hour 24/7. I 've asked them to limit the calls which they do not. These calls can come from all across the states. 

Further, I 've done some research online which uncovers thousands of similar complaints and other shady activity that could have impacted me over the course of my loans so far. The kind of predatory lending techniques used on me and other students is appalling. 

My loans are now bigger than they have ever been and I 'm even more worried by the fact that As Education Secretary, XXXX XXXX would n't give a XXXX about protecting my rights as a borrower and holder of student loans. 

I 'm seeking relief in the form of compensation for any fraudulent or unnecessarily aggressive lending tactics practiced by Navient. I 'm seeking relief in the form of aid and affordable options for handling my loans in the future. I 'm seeking relief in the form of an explanation as to why I have been targeted by Navient, being that student loan borrowers are some of the most vulnerable individuals with the most potential to be wasted. I 'm seeking to unite with others who have been wrongfully treated in order to find assistance and a voice.
Consumer complaint received 2017-03-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

On XX/XX/2017 I agreed to the settlement my private student loan from XXXX XXXX with XXXX and Navient, and received a Settlement Agreement document via email with the settlement plan on XX/XX/2017. The " plan '' as stated on the document was that XXXX would debit my account for {$2500.00} on XX/XX/2017 and the remainder of the settlement amount which included ( 3 ) payments of {$490.00} to be automatically debited from my account on XX/XX/2017, XX/XX/2017 and XX/XX/2017. The payment on XX/XX/2017 was not automatically debited from my account, so I called to ask what happened and was told they could not find my account number, social security number, or reference number as stated on this document. When I called Navient I was told that this loan is now with a different agency ( XXXX ) and this agreement with XXXX is now void and would need to setup payments with the new loan servicer. This is a breach of agreement both on Navient and XXXX. This settlement conversation was made on a recorded line, where these payments were setup to be debited from my account and account settled in full. Navient told me that I did not comply with my settlement amount and that the total amount was all to be paid by XX/XX/2017 - which was not what was sent to me in the Settlement Agreement document. I told them I had a copy of this document which states the payment amount and dates that we agreed to, and can I forward this email to them that was sent to me from XXXX. I was told that I could not email it and I would have to mail it to their mailing address. I have previously sent and received emails from Navient, so I know email is a method they use for communication. After asking to speak to a manager 5 different times, I was told to call a different number ( installation processing department ). By this time, I had explained this situation to 5 different representatives and no one could seem to understand or even care ( despite I had documentation that this is a breach of agreement ). I spoke with the installation processing department and she gave me a direct email address to send the document to, and said to call back in 7 days to see if it was received. In the meantime, I am now getting calls from a different loan servicer everyday ( XXXX XXXX XXXX ) to setup payments on this same loan of which I 've already made a settlement plan with a different company ( XXXX - a which can not seem to find my social security or account number, but debited my bank account for {$2500.00} for the initial payment of the settlement just 3 weeks ago ). This particular loan has gone from Navient, to XXXX, to XXXX, back to XXXX - so I never know where it is until I start getting harassing calls from the " new '' company that now has the loan. I am trying to repay but they are making it impossible and a uneasy experience - I feel like I 'm throwing money in all different directions and nothing is being paid off.
Consumer complaint received 2017-02-06
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (NJ)

I agreed that Navient ( services XXXX student loans ) could go into my checking account for XXXX to pay on my student loan ( a combination of my loan and interest on my college student son interest of his student loan ). Navient went in my bank account and took XXXX leaving my account XXXX dollars over drawn. I incurred insufficient fund fees and was left with out money for travel to work and gas fees. My family depends on me since I am the sole provider in my household. I sent Navient faxes of my bank statement showing them the error and my bank states Navient, does this quite frequently to their customers XXXX I talked to Navient to in sure they had received my request to return the stolen money and they agreed to put the money back in my account in 2-3 weeks. this is the third week and still no returned money, no letter of apology. I know I owe them a debt but it is so dishonest to take money out of my account that they had no permission to take almost XXXX dollars. I was not in a delinquent status. Please help me retrieve what they have taken.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This my several endeavor to file a complaint in my personal credit report information that are questionable. I would like to dispute certain inaccurate information in my file which I believe are possibly an Identity theft and it was deleted from other bureaus. the inaccurate information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I contacted Navient last month and told them I could n't afford the payment plan they had me on. They so no problem, put a temporary forbearance on the loan and sent me a list of other payment plans I qualify for. I chose one, sent it back to them, 5 times now! And yet today I get a notice that I 'm still on the old payment plan I ca n't afford.