davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Navient is untrustworthy, unreliable and unprofessional. 

The site continually does not reflect my payments. The status says " past due '' but the money was taken out of my account the day it was due. I called weeks ago to no avail. The representative told me that it would be resolved shortly. Weeks later it hasn't.This has happened multiple times. Also, it is very inconvenient, because they will no longer be accepting credit card payments online. This is inconvenient, especially since it will be flooded with phone calls and late fees may apply if a representative is unavailable. 

I am afraid my credit, which I finally raised, will be affected because of their technical problems. I feel helpless and powerless. 

I do not know what I can do at this point!
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (OK)

1 week into contact they began chain calling 3-7 times a day. I called to discuss the issue and was yelled at by XXXX representatives before getting a supervisor who was at least kind. He admitted what they were doing is illegal, I have the entire encounter on recording ( which is legal in my state ).
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

In XX/XX/XXXX I ended up getting sick my I was missing work due to my illness and was struggling to make ends meet ... My doctor ended up putting me on medical leave in XX/XX/XXXX and he told me to expect to be out for several months ... My student loan is roughly {$400.00} a month. I knew there was no way I was going to be able to afford that since I was going to be out. I called Navient to try and work out a much needed lower payment and the person told me over the phone I would n't qualify I needed to just make my pymts I was out of work on medical leave for XXXX months. I paid what I could during that time. The whole ordeal has severely affected my credit ... All my loans on my credit are listed individually as a posed to XXXX loan which means if I was XXXX month late I was hit with XXXX missed payments not just XXXX. I went to school so I could provide for my wife and XXXX children and I have been unable to obtain a mortgage loan because of this. I have been paying faithfully since XX/XX/XXXX and my balance barely has gone down as a matter of fact on every loan currently I owe several XXXX dollars more than I even borrowed on All loans..My last payment of {$380.00} and {$210.00} was applied to the loan ... For the past year I have just figured well if I ever want to buy a house I need to do as they say but I feel they have done me so wrong with not trying to help me with a solution. I do n't believe they have been applying the money to each loan appropriately.
Consumer complaint received 2015-10-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (TX)

Navient ( formerly XXXX XXXX ) continually calls me throughout the day. I am well aware that I owe them money, I intend to make these payments as soon as I can, and am trying to work so that I can make the payments I owe, but can not do so when they call me hourly throughout the day, leaving pre-recorded voicemails, or nothing at all. Today, XXXX/XXXX/15, I have been contacted at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Based on their track record yesterday, I expect at least 2-3 more calls before the day is finished. Yesterday they contacted me at XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I was in default, a company set up a payment plan and told me once I was out of default the place that bought my loan would contact me and I could keep my {$5.00} payment. This never happened. When I was caught up Navient had my loan and put my payment at over {$650.00}.
Consumer complaint received 2016-07-18
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 received a private loan through Navient. I have paid every month without fail up until I had XXXX extreme changes in my life.!. I went back to school to better my life. 
2. My husband a military vet. passed away while under the care of the Va hospital. I have maintained constant contact with them. I have provided them with the proper documents stating I was a XXXX XXXX XXXX and was unable to make payments. However, when I came to visit my mom in Maine she brought to my attention threatening letters from navient saying that if she did not call pay them she would be " ruined '' financially. I then called and was transfer between XXXX people. One said I had no record of an account with Navient, One said I was 90 days past due and one of the final woman named XXXX found all the paperwork I had sent it was mysteriously disconnected at the moment she noticed. When I returned the call she was " gone '' for the day. ( all of this is recorded on my phone ). I have been lied too and made to think I was receiving a deferment while in school then slapped with 8 months of interest. Totaling XXXX. On the occasions I spoke with them four and two months ago, there was no mention of this. When I asked I was told they were not required to tell me by law it is a courtesy to make someone aware of their current standing with them. Again all recorded, If there is anyone who can help me please contact me as I am at my wits end.
Consumer complaint received 2015-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (CA)

A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. 
They said that the credit companies would be notified.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (FL)

My name is XXXX XXXX, I live in XXXX, Florida. I opened a credit card with Zales jewelry in XXXX. I was offered a 0 % rate so I took advantage of it. I received the first statement all was fine, no fees. Today I get home and I received a letter - dated XXXX/XXXX/2015!! Today!! - from the insurance department of Zales Corporation " congratulating '' me for enrolling in their balance protection insurance. So I checked my statement from this month and indeed there was now a {$2.00} fee, of course unspecified. 
I called the insurance department and they are closed of course. So I called the Zales card and they confirmed the insurance fee and that " the representative at the store probably did it without telling me and I apologize ''. This is unacceptable on so many different levels that I can not begin to list them all. 
I will call the insurance department tomorrow to get this absurd abuse cancelled and refunded, but this must be stopped at a higher level and hopefully you can do more than I can about this matter. 
You can email me at XXXXXXXXXXXX if necessary.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (VA)

Costco transitioned from an XXXX to a Citi Visa card. I made arrangements with XXXX to keep my card and called Citi Visa on XXXX/XXXX/2016 and spoke to a XXXX who told me that they could not cancel an account until after the transition took place. XXXX would not give me an employee number or call reference number. I called back when I received XXXX new Citi Visa cards on XXXX/XXXX/2016 and told the operator I did not want this account, that they did not have my permission to open a credit line in my name and to cancel the account. The operator told me that all I had to do was not activate the cards, cut them up, and the account would never open. They told me they could not open an account without my activating my card. I received my first statement today ( XXXX/XXXX/2016, for {$0.00} ), called the general line and learned that I had an open account with a credit limit of {$14000.00} ( and a large cash advance option ) with Citi Visa. I finally spoke to XXXX who told me I did have an active account, that it automatically rolled over from Costco. I told him this was a fraudulently opened account and to cancel it immediately. He started the regular " well we can offer you ... '' then I mentioned I was contacting the CFPB and he promptly canceled the account and apologized, so thank you, your name alone is doing XXXX work. XXXX also flatly refused to give me any internal call tracking number that I could reference in case they " lost '' record of my cancellation. I also noticed Citi Visa reserves the right to share my personal information with their advertising partners, I assume the damage was done the moment they fraudulently opened the account in my name without my permission. I also assume Citi Visa is going to report to XXXX, XXXX and XXXX an account for XXXX that was open for one month then closed, negatively affecting my credit report. I 'm glad they 're still serving the taxpayer after that $ XXXX ( and priceless government backstop ) that we gifted them.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I checked my credit report daily ever since I was informed by my credit card XXXX XXXX XXXX on XXXX XXXX, XXXX that someone stole my identity and opened several credit card accounts fraudulently. The suspect used a fake address XXXX XXXX XXXX, XXXX California to obtain these credit cards and avoided captured and payments. I noticed the suspect began obtaining these credit cards since XXXX XXXX and committed the crime of theft in XXXX California. On XXXX XXXX, XXXX I noticed the suspect opened a Macy 's credit card account number XXXX based on the credit report XXXX sent me. I disputed the fraudulent charges due to identity theft and the fact I have NEVER lived in XXXX, California. I contacted Macy 's on XXXX/XXXX/XXXX and spoke to the Fraud Department at ( XXXX ) XXXX. I spoke with XXXX ID # XXXX. I told XXXX that I have been a victim of Identity Theft since XXXX XXXX, XXXX and the suspect has been using my name, date of birth and social security number to obtain credit cards since XXXX XXXX. I told XXXX all I want to do is to restore my identity, my excellent credit score of XXXX points and reputation again. XXXX asked me several security questions and told me that he was going to send me a list of documents to fill out so that he can conduct an investigation. I told XXXX that I will cooperate with him and Macy 's in order to restore my identity and excellent credit score of XXXX points. Today is XXXX/XXXX/XXXX at approximately XXXX hours ( Pacific Time ). I have NOT received any documents from Macy 's at all in the mail box. I tried contacting Macy 's at ( XXXX ) XXXX and at ( XXXX ) XXXX. All Macy 's did was to put me on hold for over 30 minutes and almost one hour and still I did NOT get any assistance or help that I needed. I am very upset with Macy 's on how it treats customers. I contacted Macy 's at XXXX hours on XXXX/XXXX/XXXX and spoke with XXXX. XXXX tried to get someone to assist me but she failed. I told XXXX that I have been calling the Fraud Department at ( XXXX ) XXXX for over 2 hours and still no one was there to assist me or answer my calls. I am very upset for the long hours of waiting period with NO assistance.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (UT)

I received a letter dated XXXX XXXX, 2015 indicating that Citibank reduced the credit limit on my Sears Credit Card from {$16000.00} to {$2000.00} because I have not used my card recently. The reduced credit limit was so low that if I had gone to a Sears to make any substantial purchase in between when the credit line was reduced and the time I got the letter the transaction would have either been denied, causing considerable embarrassment, or potentially gone over my limit and may have incurred an overlimit fee.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

On XXXX/XXXX/16, I opened a Citi Gold Checking Account with the promo code XXXX which offered XXXX Thank You Points for opening the account and making 2 bill payments with the account. I called Citi Bank on XXXX/XXXX/16 and talked to XXXX to verify the opening of the account and that the promo code was valid and attached. He assured me it was. By XXXX/XXXX/16, I had made the required bill payments and called to verify that I had med the requirements and qualified for the XXXX Thank You Points. I talked with XXXX and he verified that my account qualified for the promotion and that the points would be in my account by XXXX/XXXX/16. On XXXX/XXXX/16, I still had not received the points. I again called Citi Bank and talked with XXXX ( # XXXX ). She told me that she would submit a request for the points to deposited in my account and that I would received word in 3 business days. On XXXX/XXXX/16, I received a secure message from Citi informing me that they were denying me the points because I had not been targeted for the promotion. If Citi wanted to deny me access to this promotion, they should have done so on XXXX/XXXX/16 when I called to verify the account and the promotion attached, rather than after I have completed all the requirements and utilized their financial services according to the promotion.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OR)

I was a costco XXXX XXXX client who 's account migrated to Citibank during the visa conversion. At first I was happy with the change since the new card from Citi and XXXX have a better reward structure than my old XXXX XXXX card did. When I received my new Card from Citi, I noticed there was 3 different payment methods on the card. The first was obviously the magnetic strip, the second being the newly required EMV chip, and a third method being and RFID chip ( AKA Tap and Go ). Working in the finance industry myself, I am very cautious of my own accounts and the RFID technology is easily prone to hacking since the chip is continuously " broadcasting '' my account information. So, I asked Citi to send me a replacement card without the RFID ( tap and go ) chip via their secure messaging website. Unfortunately, the follow up with Citi has been atrocious. I have written correspondence from Citi that my card does not have the RFID chip in the card, even though it has the paywave symbol, and that the card would work by tapping and go. After the correspondence from Citi, I then received marketing materials in the mail advertising the Tap and Go functionality. With all the fraud going on in today 's world, I feel it imperative to protect myself against potential misuse of my accounts. I have had many different cards and every other bank with the exception of Citi, have been able to send me a card without the RFID chip.
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. (PA)

It has been established that you are not interposing records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXXXXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$170.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$68.00}
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hi, XXXX people in our household opened up citi checking accounts with a {$400.00} checking account bonus. The promo code was XXXX. We have met all of the requirements and it has been over 2 months since we have met the requirements and no bonus has been put in our accounts. Every time I call in to ask about the bonus they bring up different excuses : we will escalate this to a supervisor, we will investigate, you need to send in XXXX forms, etc.. Citibank has been stonewalling hundreds of customers on this bonus ( I have read of hundreds of others who are having the same problem ).
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

My Costco credit card was unfortunately transitioned from XXXX to Citi. I was enrolled in both e-statements AND autopay with XXXX. When the card transitioned, my balance moved to Citi and I was unable to access my account on XXXX. I waited until I received my new Citi card before I could set up online access with Citi. However, by the time I got my new Citi card and was able to set up online access, my payment due date had already passed. Citi never sent me a paper or email statement so I could pay the bill and I did not yet have access to the Citi website to pay my bill. Citi did not, however, port over my auto pay enrollment, so my payment is now late. I am trying to call Citi to resolve the issue, but I have been on hold for over 15 minutes without an indication of when I might be able to speak to someone. Citi does not offer to have somebody call me back once a call representative is available and they do not give wait times - rather, they seem to expect customers to wait on hold indefinitely to fix problems arising from their poor transition.
Consumer complaint received 2015-08-09
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CA)

My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this account.