davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

In response to a public offer, I opened a CitiBank checking account XX/XX/XXXX. As of XX/XX/XXXX, I met the requirements for a {$400.00} bonus, which was to post to my account by XX/XX/XXXX. To date, no bonus.
Consumer complaint received 2016-03-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (GA)

I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (LA)

XXXX have been harassing me via my cell phone. I 've sent certified mail with signature requesting VARIFICATION and have n't received anything in return. I have also disputed this through all three credit bureaus and they 've all writing back saying this account has been verified without any back-up document.
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (GA)

I have been making considerably higher monthly payments on deferred six-month no interest payments with Care Credit to have charges paid off in advance of deadline date. Per direction provided by its customer service reps, I have been calling in every month to direct adjustments for the amount that I have been paying. For the last three months, while customer service reps indicate that they are making adjustments these have not been made. I believe this is a deliberate attempt to result in my paying interest on deferred charges.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2015 I applied for a Citigold Checking account and entered in a promotional code for XXXX XXXX XXXX rewards miles. In order to receive those points I had to meet certain requirements after opening the account. I met those requirements, as Citi has acknowledged, but Citi has refused to award me the points I have earned. They claim that I was never targeted for the promotion. Our correspondence began on XXXX XXXX and to this day they continue to deny me. 

Via secure message on XXXX XXXX ( after multiple messages ), Citi stated, " After reviewing your account, I can confirm you entered a promotion code when you opened your account and have completed the requirements for that specific promotion ; however you were not targeted for the promotion in question. 

The terms and conditions are listed on the offer sent to those targeted clients in which it states : -Enrollment in this promotion does not guarantee eligibility -All accounts subject to approval and applicable terms and fees. 
-To qualify you must be targeted -This offer is only available to Citi credit card members who receive this communication. 
-To be eligible for this limited-time offer, you must not have had a consumer checking account with Citibank in the past. '' I replied that those were not the terms presented to me when I applied for the Account and the corresponding promotion. The terms presented to me, which I have photographic evidence of, stated, " This offer is available to Citi / AAdvantage credit cardmembers who receive this communication ''. 

Their reply, " Recently, you contacted us regarding your account and whether your account qualified for an AAdvantage Miles promotional offer. We appreciate your patience while waiting for our response. 

Unfortunately, there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. While Citi does offer AAdvantage miles promotions at times, those offers are only available to the individual to whom the offer was addressed. '' As shown, I met Citi 's requirements for the promotion by receiving the communication and I was eligible by receiving the communication in question. I was adhering to their own terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while still charging me a fee for maintaining their Citigold account!
Consumer complaint received 2015-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (FL)

We have NYCB Mortgage Company and every year they magically do not have proof of insurance - we live in a condo association which renews on time. In addition, they require a separate policy for us and even though we have prepaid the policy, they continue to collect an escrow payment for the policy and now when signing into our account, there is no way to actually pay our new mortgage payment - a payment which has been paid on time since inception. STAY AWAY FROM NYCB XXXX
Consumer complaint received 2016-04-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.
Consumer complaint received 2016-06-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Greetings, My name is XXXX XXXX I was XXXX from the Military and after almost a year from XXXX I struggled to pay all my debt. so I decided to enroll in the Debt Settlement Program and they promise me to pay my debt from XXXX XXXX Credit Card and they Included the XXXX XXXX Credit Card as contingency debt which I owe in the amount of {$5900.00} but unfortunately they denied the XXXX XXXX XXXX was not included on the program. so the XXXX XXXX Credit Card started garnishing my Social Security XXXX since XXXX 2014 to present. now my problem is they sold the debt to a collection agency simultaneously garnishing a portion of my XXXX. now the collection agency TRANSWORLD SYSTEMS INC. want me to pay {$6100.00} now Im confuse and helpless. 
I hope you can help me and give me advice because I do n't know what to do and how to deal with collection agency that continued collecting a payment. I will disclose the address and phone number of the involving party Sincerely XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS I. 
Attn : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (FL)

I became sick two years ago, and was XXXX for three years, and during that timewe fell behind our Mortgage payments. We obtained help for Hope for Housing, and reached out to our Lender, XXXX for a Loan Modification because our Interest rate is at 8.5 % Our Loan was originated by XXXX XXXX XXXX, a Predatory Mortgage Broker who sold to XXXX and at the time we did not realize it was not a VA Loan, because I am a retired XXXX XXXX Veteran. 
XXXX will no longer communicate with us, except to say that the Loan was transferred to Fay Servicing, who have been reluctant to offer us a Loan Modification saying we did not have enough income. Now comes XXXX and filed a Law Suit adding insult to injury. 
We resubmit with the help of a XXXX Party our request for a Loan Modification, and our Financials clearly shows our combined income of {$3200.00} afford us a Mortgage Payment of {$970.00} which is 31 % according to HAMP Guidelines. I am a XXXX Veteran of XXXX years old and my spouse is also XXXX. I am still under medical care and we want to remain in our home. Fay Servicing is vigorously pushing us to Short Sell.
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NY)

I FINALIZED A MORTAGE MODIFICATION BY MAKING THE THREE TRIAL PAYMENTS ON XX/XX/XXXX, MY NEW PAYMENT STARTED XX/XX/XXXX, I HAVE BE MAKING THE PAYMENTS TIMELY FOR THE NEW REDUCED AMOUNT, THE COMPANY REFUSES TO SEND ME THE FINAL MODIFICATION PAPERS AND IS NOW SENDING ME LETTER OF PARTIAL PAYMENT AND LATE FEE FOR THE PRIOR AMOUNT BEFORE MODIFICATION. THE COMPANY IS FAY SERVICING XXXX NMLS ID # XXXX XXXX TX XXXX. THE ACCOUNT IS UNDER XXXX AND XXXX ACCT # XXXX XXXX NY XXXX MY CONTACT NUMBER AT WORK M-F XXXX OR CELL XXXX
Consumer complaint received 2015-06-04
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: SUNTRUST BANKS, INC. (SC)

I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

Citibank - AAdvantage credit card I was introduce to this credit card with a promotional offer of XXXX bonus points after spending {$1000.00} for the first three months.by CitiBank Personal Banker XXXX XXXX ( at XXXX, CA ) and he help me to submit the application. 

Letter dated XXXX XXXX from Citibank quoted " The promotional offer on your account allowed you to earn XXXX bonus miles after making {$3000.00} in purchases within three months of the account opening which is totally different from the promotional offered by the banker. I want CitiBank to honour their promotional offer. 
Even CitiBank is still offering similar promotion on website with {$1000.00} spending in first 3 Months with XXXX bonus points. 

Thank you. 
XXXX XXXX.
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

Received threatening voicemail from a XXXX XXXX from XXXX XXXX XXXX stating she would be going to my place of work ( within the hour ), if I was n't available, she would find out from someone when I would be, then she would be going to my home, and then to a relatives home. I called them back. They would not tell me anything until I verified the last XXXX digits of my ss number. ( She stated ( " it is public information anyway " ) I did so I could get info. Said I had an outstanding debt with Citibank. Offered me 3 options or court. I told them court. She told me " Good luck ''. I then called CFPB and spoke to XXXX who instructed me to call Citibank and verify their credit debt collector. I called Citibank and spoke to XXXX who after researching my ss number found I had never had an account with them and also verified that they do not use XXXX XXXX XXXX. Called CFPB back and spoke to XXXX who instructed me to file complaint.
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

My documents we submitted by the deadline noticed in the paperwork and my loan payment recertification was completed by the deadline provided. However, after I received my recertification letter my account was placed into forbearance without my permission and without being informed that such action was being taken in regards to my account. This was only discovered when I realized that I did not receive a statement for the month of XXXX. When I called Nelnet, they informed me that they were " doing me a favor. '' At this point I asked to speak to a supervisor because action was taken on my account without my consent. After much discussion with the supervisor I was informed that my account could only be taken out of forbearance after a payment was made. I immediately made the payment which should have been on the statement that was never sent to me. After informing the supervisor that I made the payment and I would like them to take my account out of forbearance and to not have the interest that was accumulated during this time to be capitalized to my loan amounts since this was done without my permission. Supervisor told me that she could not do this until after the payment posted which would be sometime the next week. I had to follow-up the next week with Nelnet and again ask that the forbearance be taken off my account as it was done without my permission and asked again that the interest during this time not be capitalized. This was finally sorted out and I received a letter afterward that my account was put in forbearance incorrectly! It took HOURS to get this all sorted because Nelnet put my account in forbearance without my permission and without notifying me that they were doing so. This is extremely wrong and they should not be allowed to change someone 's account status without their permission and especially without notifying them of the action they are taking. Also, for the record, I had not missed a payment or done anything which would have justified them in believing that I would n't be able to make my monthly payment.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WI)

I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!
Consumer complaint received 2016-02-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Today I went to Chase Bank for the fourth time, and they were unable to add me to my wifes account, even though she had authorized it. They made me feel like a criminal, because the person who was assisting me asked about my XXXX and why I didnt have a Social Security number and how long I had been living in the United States. This was disrespectful to meit was the most humiliating treatment I have ever received. The person told me that I had to return with my wife, and when they said wife, it was with a sarcastic tone.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (DC)

I have submitted more than once the letters from XXXX stating they do not have a file under my name or social security number but Equifax is now saying, after telling me to send them the letters from XXXX, that XXXX will have to call or send them a letter themselves in order to remove the items from my report. I have sent these letters to Equifax a number of times and still not getting any help with this issue.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

An inaccurate and understated appraisal was completed XX/XX/XXXX. I paid {$350.00} for this appraisal through Seterus Inc.. The appraisal came in at XXXX sq. ft. The actual sq. ft of my home is XXXX approx. I paid for this appraisal so that the bank would remove the Private Mortgage Insurance if the Loan to Value was XXXX % or below. Since the appraisal was understated I had a loan to value of XXXX %. I have sent proof with several letters to Seterus Inc. since XX/XX/XXXX that reflects my actual sq. footage but they do n't seem to care or want to help me. PMI runs me almost {$200.00} per month of which I have been paying since 2005. I am elderly and need your help.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Navient never gave me information about interest rate and when you consolidate your loan you lose your payments. I am under the forgiveness loan expecting that i alredy would have more than XXXX payments like they said. I am struggling and the interested rate it is really high for student loans. I would like to know what can i do to get this fix and resolved.
Consumer complaint received 2015-08-08
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RevCrest, Inc. (CA)

I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit
Consumer complaint received 2016-09-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MN)

hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MT)

I recently obtained a copy of my credit report. There was an unauthorized inquiry made by Discover Financial Services. On XX/XX/2016, I wrote to Discover Financial Services asking for proof of the inquiry. To date, XX/XX/2016, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!