davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I received a bill from Macy 's stating that I was pat due XXXX dollars even though I had not made any purchases since XX/XX/XXXX. I paid it off and this month when I go to pay my bill I find another charge. Checking on my statements I noticed a " minimum interest charge '' of XXXX dollars very month even though I did not make any purchases. After speaking with customer service agent and doing internet research I see a lot of people having this issue. I hope you can do something to stop this blatant thievery of Citibank/Macy 's. This is just a gimmick to steal money. 
Thank you.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have been paying student loans for the past 5.5 years, and I 've always done my best to pay ahead of schedule. Several times I have taken large sums of money and put that toward student loans to help lower my principal in addition to my monthly automatic payments. Every time, Navient has put that additional payment toward interest before principal. Their website says to submit a letter with a check if you want to specify how to allocate additional payments. I have done this and specifically said do not apply this to interest ; only apply this to principal. They still apply it to interest first. I 've called and asked to speak to managers, and they continue to tell me that what they 're doing is correct and it does n't matter in the long run. I 've argued this and explained that they 're taking advantage of people trying to pay off their loans, and they refuse to correct my payments. 

Also, after submitting payments in addition to my automatic monthly payments, Navient recalculates my automatic monthly payment amount to a lower amount so that the overall term remains the same. I have called asking them not to do this, and they said I 'd have to submit paperwork to get my monthly payment amount back to what it was. It would take approximately a month to process, and if I continue to pay extra, the automatic monthly payments will continue to be lowered. I explained that this again is not fair and they are taking advantage of people trying to pay off loans, and they would not change it. 

Navient knows exactly what it 's doing. Despite trying to pay off loans sooner than scheduled, they still have found ways to take advantage of people. Applying additional payments to interest first ensures the principal remains slightly higher, so they can charge interest on a higher amount. Additionally, reducing automatic payments ensures the term stays the same, so they can charge interest for a longer amount of time. I 'm doing my best to work around these things so that they do n't make extra money off me ( manually going in every month to pay extra on the same day as my automatic payments so interest is already paid for the month ), but my fear is that most people do n't check these things as closely as I do and are paying too much in the long run.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.
Consumer complaint received 2016-08-30
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (PA)

Hi - my family has XXXX prepaid debit cards issued by Citi Prepaid. They were misplaced and we recently found them again. They have never been used, but the expiry date on the cards is 2012. 
I have emailed and called Citi, but they tell me that I can not access the funds ( each card has {$99.00} on it ). They tell me that they " ended the program '' and I can not have new cards issued or the funds released. 
From reading your website it seems that they should agree to reissue the cards. Please help me understand what is going on here and why they are keeping our money.
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There are many mistake in my report, I have never paid late these accounts :  XXXX   XXXX    XXXX     XXXX  Account #  XXXX    XXXX   XXXX   XXXX   XXXX   Account #  XXXX    XXXX   XXXX   Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX   XXXX  Account #  XXXX   XXXX  Account #  XXXX
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (ID)

I have filed this complaint before case # XXXX when another debt collector was being used by XXXX XXXX. They continue to pursue these charges but have not EVER proven where they come from and how they applied to my account that was closed in XXXX 2014. The account was paid in full and 6 months later an additional bill was sent to collections which I refuse to pay without accountability of where the charges come from. I have reviewed complaints about XXXX from other customers and they are notorious for charging erroneous amounts after accounts are closed and people pay them and find they continue to get billed even after that. I fear that this will happen to me as I paid my final balance IN FULL. XXXX is a dishonest company that has refused to comply with the basic consumer right of disclosure of services being billed. This should be illegal and I wish I was able to sue them for the time spent and the damage they have done to my credit history. As soon as XXXX debt collection company dumps the account, they move to another. This is what they have done. The same charges are now with a different debt collector. They will continue to harass me until I pay this charge. My credit has been damaged to the point where I do n't even care any more. They will never get a dime from me as they are thieves and I will never pay them an amount I simply do not owe. This is the fleecing of the consumer {$100.00} to {$200.00} dollars at a time. They do this because they know at some point people will give in and pay the amount they are harassing them about. I have called them numerous times to request a full outline of where these charges come from and they refuse to comply. I am NOT going to pay just because they say I owe the money. Please refer to the previous complaint that I filed and the resolution of that account. I now have to communicate and start all over with this new debt collector. This is a scam and has to be stopped.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I cancelled Sears credit card number in XXXX and paid it off in XXXX. It was XXXX XXXX XXXX XXXX. 
I opened another account with them 4 months ago. Th In XXXX they started transferring the money I paid in to XXXX XXXX XXXX XXXX. In XXXX, they did the same thing. The amounts were {$790.00} and {$430.00}. Now they are saying I have to pay the {$430.00} plus XXXX again. I have called six times. 
I wo n't pay them anything more and have cancelled the account. It looks like fraud to me. 

and they won ' t straighten it
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

When it came time to repay my private loan Navient was completely unwilling to work with me on payments. More than $ XXXX a month is not affordable when that is pretty much all that you make. My co-signer just received Social Security now. We have XXXX loans reporting as delinquent monthly on our now destroyed credit with no relief in sight with interest ballooning the payments. I wish they had just never given them to me.
Consumer complaint received 2017-01-31
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)

My loans are serviced through Navient, and last year I consolidated my federal loans on an income-based repayment plan. The plan was supposed to go into effect in XXXX, yet I received a bill for over {$200.00}. As I was working full-time over XXXX hours a week, I did not have the time to call and clarify and did not want to be delinquent on my federal loans, so I paid. Same for XXXX and XXXX. When I called in XXXX, I was told that Navient had RECEIVED MY PAPERWORK, WHICH WAS IN PROPER ORDER, but had simply failed to process it. My father mentioned the story that ran on XXXX recently, and I realized that what Navient was accused of was exactly what had happened to me. While paying down loans is never bad, having surprise bills in excess of {$200.00} when you live paycheck to paycheck is massively inconvenient, and now that I realize that this was a deliberate action on Navient 's part, I am infuriated.
Consumer complaint received 2017-01-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

Dear Consumer Financial Protection Bureau, I am seeking assistance with my Navient Private Student loans to prevent default on XX/XX/2017. 

My husband and I have been making monthly payments ( according to Navient 's letters to prevent default ) and ongoing communications ( mail, fax, phone ). However, it seems Navient continues to deny our efforts. 

I have attached a payment confirmation and communications .pdf " Navient Log File of Events '' to validate my facts for support. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (CA)

I have a Citibank card through Home Depot, card ending in XXXX I have closed this account as I am not working and unemployed. I went on a plan to pay citibank {$25.00} a month until the credit card is paid off. My first two payments I made Citibank put into other accounts and did not credit me the money. They kept calling me and were extremely rude to me on the phone. I explained I paid, not only the current month, but next month 's payment early. They said they receive no payments. THEY DID. The supervisor realized how Citibank internal process routed my money to the wrong account and mistakenly sent one payment back to my bank. They apologized and gave me a slight credit on this account for the over 3 hours I spent on the phone clearing this up. 

NOW, Citibank found another mysterious account and is harassing me. I have asked them to stop calling my cell phone which I use as my home phone. My home line is just used for business faxes and emergencies. Now, Citibank is calling this line. Citibank is constantly calling my home fax line with a recording, even on Sunday AM. I asked them to communicate through mail with me but they continue to call me. I told them I do not know of any open account I have besides the Home Dept Account ending in XXXX. 

These draconian and rude practices are against the Fair Credit Reporting Act. After I set up a payment schedule on the Citibank card I know about, after they lost my payments, Citibank is now trying to collect on some other card I have never heard of. Citibank is harassing my family and me, on phone lines I have asked them not to call.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Hi, I opened up a CitiGold checking account back in XXXX 2015 using a promotion that would give me XXXX XXXX XXXX miles once I 've made XXXX bill pays and {$1000.00} in purchases on my debit card. I completed the requirements and had n't seen my points post yet. I had several calls with their rep that confirmed that I would see the miles posting within 60 days. After constantly calling the rep and sending a secure message they would change their mind and said I was n't qualified for the promotion only after they took over 20k sitting in their account so i would n't get charge a min fee and had me do bill payments and debit charges to later disallow me saying it was only for new customer with out ever being part of the original terms of agreement.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

I submitted an application for a CitiAAdvantage Platinum Select MasterCard on XXXX XXXX by clicking through an offer that for XXXX AAdvantage Miles after spending {$3000.00} in 3 months. In the process of following up, I was told that I did not qualify for the offer due to closing a Citi AAdvantage Bronze card XX/XX/XXXX. 

The offer stated specifically that " XXXX XXXX AAdvantage ( R ) bonus miles are not available if you have had a Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) MasterCard ( R ) card opened or closed in the past 24 months. '' However, since I have not had a Platinum card since XX/XX/XXXX, I believe that I should qualify. 

If Citi/Mastercard count the Bronze card as part of the qualifications, then it needed to be explicitly stated. By stating XXXX specific card, it is understood by the consumer that other cards are not counted in the exemption, and that they are different products. 

Additionally, I have faxed the original offer that I clicked through and have not heard a response. The response time to secure messages has been over the promised 24 hours, with the same response multiple times. On the phone I was given the answer that the cards are part of the same family of cards, and therefore you are not qualified. When I asked to speak to a supervisor or if there was another number I could call for additional clarification, I was told that there was no one else to talk to, per their policy. 

I 'm attaching the offer which I faxed to them on XXXX/XXXX/XXXX at XXXX, EDT
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late
Consumer complaint received 2017-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

We feel like we are getting the run around from CitiMortgage like we have in the past with respect to our application for assistance/loan modification. They did n't review or underwrite our application for assistance, they are making numerous collection calls to me at work ( in violation of the bankruptcy discharge - I am currently working with an attorney to see what our rights are as to these violations ), send letters that contradict previous letters adding to our confusion ( we were declined for a short sale that we did not request or apply for and then notified the following day that we were conditionally approved ), failing to respond to email requests, failing to respond to our loan modification appeal within the required time frame ( 30 days ), and misleading us by sending a HAMP application when our investor does not participate in HAMP. 
We love our home and desperately want to keep it. We just do n't think that CitiMortgage is acting in good faith based on the way our account has been handled since XXXX. We would just like the investor and CitiMortgage to work with us to make our payments more manageable and affordable.
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

XX/XX/2007, I took out a private loan with XXXX XXXX in order to obtain my XXXX degree. At the time of this loan, I was mislead in the amount of penalties and interest rates that I would accrue. A loan that was initially for {$800.00} dollars, soon became a bill of nearly {$3600.00}. Despite the hardships my family endured, we were continually harassed. I worked with the company as well as I could, but most times they were n't even willing to talk to me. I eventually settled and paid the loan off through a collector for {$1500.00}. Only a few months later, I started to receive calls from another collector looking for repayment on the same loan. I called them and called the company I had previously paid. I 've sent letters to show my debt was already paid. Yet every few months ANOTHER creditor calls me attempting to obtain payment for the SAME debt. When I contacted XXXX XXXX to find out if they could fix the problem, I was informed that my loan had been transferred to Navient. Navient has " sold '' my student loan to multiple collectors. Despite the fact I have paid my debt ( XXXX XXXX ), I periodically will receive new collection calls for a loan that has been already paid. I find it ridiculous that I have to track down all the collectors my loan has been sent to in order for the calls and harassment to stop. The company I paid swears that they have informed Navient that my debt is settled and at least XXXX of the collectors told me ( XXXX ) told me they had RECENTLY obtained my debt from Navient. Despite it having been settled since XX/XX/XXXX. Surely there is something that can be done to end the calls. This is ridiculously. First I am misinformed on the amount I have to pay back, then I finally pay back the amount and continue to be harassed. Help!
Consumer complaint received 2022-08-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2022, my client deposited over $ XXXX in XXXX XXXX checks to open a savings account at Chase Bank . Interest then accrued and was paid to the account. 

On XX/XX/2022, the Chase Bank account statement reflects all money was withdrawn and the account was closed. 

My client has not received any funds whatsoever as of XX/XX/2022. 

Chase Bank first said a check for the account funds was sent by mail to my client 's XXXX, FL address. That check never arrived. 

Chase Bank then said they weren't authorized to send my client any check, so no check was sent. Chase Bank also said because the original checks were from XXXX XXXX ( US ) in US dollars but the checks ' maker was in XXXX, they were not able to verify the checks and are unable to call outside the US. The XXXX  maker said the funds had already been transferred, so they can not cancel any checks. 

Chase Bank then said my client had to go in person to a branch with 2 forms of ID in order to discuss the account. On XX/XX/2022, he did go to an XXXX, FL branch, but was told it was a " back office '' issue and they could not provide any other information. Branch escalation also had a case file, but referred us to the " loss prevention department, '' which still has not provided any information on the location of the funds and how my client can get his money back. 

Chase Bank continues to hold on to the {$1.00} million of my client 's funds ( 2 months after they were deposited at Chase ), closed my client 's account, and refuses to return the funds to my client. 

The funds were meant to make a real estate investment, which my client has not been able to close due to the missing funds.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

This is an extension of case number XXXX filed on XXXX/XXXX/2016, which states : " I opened a Citigold checking account under promotional terms that would award me XXXX Citi ThankYou points after meeting certain requirements. I had met the requirements in XXXX 2016 and waited the mandatory 90 days before miles would be posted. I also had an agent confirm on live chat on XXXX/XXXX/2016 that my account was indeed enrolled in the promotion and that I had fulfilled the requirements. But yet Citibank would not and has not honored the promotion. '' The company 's response on XXXX/XXXX/2016 was : " XXXX XXXX, please accept my sincere apology for the inconvenience you described. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you had cause for dissatisfaction under any circumstance. I assure you that our marketing strategies are certainly not intended to mislead you. Citibank, like other banks, periodically offers promotional bonuses to deposit account applicants to attract new clients. In order to conduct our promotions in a manner consistent with sound business, we may customize offers by direct mail campaign initiatives to select individuals ; in addition to the requirement of the standard terms and conditions that Citibank discloses for its promotions. 

In our review we found that the offer in question, promotional code XXXX, was not directed to you. However, Citibank fully respects any obligations made to you by our representative on XXXX XXXX, 2016. Therefore, we are honoring your request and the XXXX ThankYou points will be applied to your ThankYou account within 30 days. 

Thank you for allowing us the opportunity to respond to your concerns. '' I have since responded again on XXXX/XXXX/2016 with : " A day ( XXXX XXXX ) after receiving your response, I received another letter ( attached ) in my Citi online banking account. It stated " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' While that is partially in-line with the CFPB letter dated XXXX XXXX, the latter XXXX XXXX letter did not indicate the promotion would be honored nonetheless as the CFPB response letter did. And while it has yet been 30 days, I have not received the points thus far and I am unsure at this point of the direction of resolution. Please re-assure that the XXXX ThankYou points will be applied to my ThankYou account as soon as possible. Thank you. '' I did not receive a response from that latest message. Now that 30 days has passed from the initial promise, I have yet to receive the promised XXXX points.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (PA)

I have applied for a costco visa anywhere card and did not receive the card. I tried to contact the citi card credit card customer service but they could not find the card. Currently I would like to either receive the card or block it and close the account for good. 

Thanks,
Consumer complaint received 2015-12-01
Product: Payday loan — 
Issue: Can't contact lender — 
Company: SUN LOAN COMPANY INC. (TX)

This is my XXXX request to CFPB to file a complaint. I have provided written cease and desist notice by mail XXXX/XXXX/2015 XXXX ). The phone calls continue. I sent another letter on XXXX/XXXX/2015 and today I faxed the letter to please stop the harassing phone calls. The phone calls have escalated to XXXX a day. I work from XXXX M-F and drive patients to their appointments for a living. Sun Loans calls my personal cell phone everyday.