davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX AAdvantage number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and I was told by Citi to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SUN LOAN COMPANY INC. (MO)

I previously had an installment loan with Sun Loan Company. I renewed my loan on XX/XX/XXXX, which made my payments now due on XX/XX/XXXX. I had never been a delinquent customer and have always been in good standings with my pervious loans with this same company, never once asked for a reminder call or need one for when it came to making my payments. But for some reason once I renewed this loan shortly just a week after renewing I received I reminder card in the mail, then another week and few days after that I received a call on XX/XX/XXXX " reminding '' me my payment was due on XXXX. At this point I was confused on why I was receiving these reminders when I did n't ask or give permission for them. When I called on XX/XX/XXXX I asked for the manager, who was out for lunch. The young girl asked if she could help me, I told her who I was and I was calling to make a payment but first I wanted to know why I was getting these reminder calls when I did n't consent to them, and a company like that would n't they rather work on collection their bad debt rather than calling someone who has always been in good standings with the company. The employee then told me they ca n't field work their bad debt anymore and they its not illegal to give me reminder calls, I was trying to express to her how its not illegal but if I did n't give you the consent to do so and if I 'm asking you not there then the calls should n't be taking place. The call then escalated and the employee kept talking over me, so I disconnected the phone. Deciding to go another route with my complaint. I never did get to actually make my payment via debit card over the phone and ended up just mailing my check in and with my future payments will be handling all payments via check mail.
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. (GA)

I was misled when I acquired the loan to help pay for my education. The interest rate was suppose to a constant rate however it has fluctuated over the years. A then XXXX loan ended up being over XXXX due to interest rates and forbearance. No options were given to pay at a lower rate. Instead they have given me higher monthly payments that I can not afford. The reporting of this loan is hindering me from purchasing a home. It has now been sold to another company that I am now making payment to.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WY)

I have been pushed into multiple forbearances and now that those are over, Navient refuses to offer any type of relief. I can not pay my loans without sacrificing the well-being of my family. I work two jobs to make ends meet as it is and Navient absolutely refuses to help in any way. I am on a standard repayment plan. My balance is a little over {$13000.00} and my repayment amount is over {$350.00}. My interest rate is stuck at XXXX % and has risen on multiple occasions. Navient will not lower the rate, change my term, or assist in any way. When I tell them that I can not pay, they do not care. They inform me that there is no way to get out of this loan and they will get their money. 

I am not trying to skirt my responsibilities as a borrower. I am simply burdened by mounting medical bills that are severely reducing my ability to pay. Additionally, I paid a {$100.00} fee to place my loans in forbearance in XX/XX/2016. Navient then reported my payments as more than 60 days late in XX/XX/2016. This caused my credit score to tank. This, in turn, has raised my car insurance rate, my mortgage insurance rate, and my credit card rates. I am being screwed over by Navient.
Consumer complaint received 2016-01-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not.
Consumer complaint received 2015-06-30
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (FL)

I have been working with XXXX for over 3 years. My auto loan is at a rateof 24 percent. The phone calls are relentless beginning at XXXX daily. I am trying my best withthese people but nnothing is good enough. I am exhausted due to their overwhelming phone calls.
Consumer complaint received 2015-06-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

I hold an account in XXXX. I have been using XXXX XXXX for mail communication for many years. XXXX day I got a letter from citibank saying, I need to update my address to the physical address. So I called up citibank and updated the address. I have been using direct debit for some services and I have given some checks for rental, etc. Later I came to know my checks have bounced as my account was frozen. I visited the bank and came to know that account freeze was due to address change or something. I talked with the personal banker and he apologized for the inconvenience caused to me as it was a mistake from citibank side. He gave me a letter stating that, the account freeze was due to citibank 's problem, not mine. 
But still I had to pay the late payment fees/penalty to rental, aum etc. I had to talk to the branch manager to inform this. I tried to get an appointment by visiting the bank as well. But the employees over there said, he is in meeting and they will contact me once he is available. I waited and nobody called confirming the appointment. I called the bank again asking for the appointment regarding the issue with my account. They said they will contact me after checking his calendar. I waited again and I had to call them again for the same. Still no response. I sent an email to the manager, asking for an appointment. He did n't respond to my mails as well. 
XXXX day I went to the bank with my friend to talk to the manager ( XXXX XXXX ). Finally he showed up. 
He was staring at the computer for XXXX minutes and then he said, there was no record of me calling the bank for the address change. And he ca n't help with whatever loss has happened to me. The irony is my address was updated from XXXX XXXX to my physical address. How can it happen without me requesting for it. 
He transferred my complaint to XXXX branch, which has nothing to do with my issue. Till now there is no update on my issue. 
The service they provide is horrible. This problem is from XXXX 2015 onwards and still no solution. They are acting irresponsible. The money might be small. Still no one should get treated like this.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I had filed bankruptcy XX/XX/XXXX I was thinking I had gotten XXXX XXXX loan discharged due to XXXX issues. I had XXXX in medical bills. I was on XXXX XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX I received a call about the student loan from XXXX XXXX and was told to settle I could pay half of what I owed or close. I was struggling financially. The collection agent told me I could make payments XXXX I think every 2 weeks then monthly I believe through XX/XX/XXXX. I made arrangements after 2nd payment I knew this wasnt feasible as I have kids to and prescriptions. I called back as tp decrease extend payment. This occured XX/XX/XXXX through XX/XX/XXXX automatically. Never heard from them again until XX/XX/XXXX I guess when my debit card changed they didnt get 3 last payments no one notified me and now say I owe entire amount again payments didnt count. This is stressful burden and Ive talked to collection agency and naviant no one understands and says I still owe. Please help.
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WY)

I have a private loan with Navient, formerly XXXX. They have put me into different repayment programs and have never properly credited my payments. No matter how much extra I paid toward my loan, for principal it is never credited this way. I originally borrowed {$13000.00} and even after paying on it since XX/XX/2006 now owe over {$15000.00}. At times when my payment was only {$120.00} per month I was paying {$250.00} and my balance still continues to go up instead of down. This company is a complete joke and has XX/XX/XXXX many consumers.
Consumer complaint received 2016-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

XXXX 2016 I went online to schedule 2 payments for my student loans. Each payment was set for a reasonable amount under XXXX to ensure my family could budget the payments. XXXX XXXX, 2016 I went online to check my bank account balance and Navient had deducted over XXXX from my bank account which I did not authorize! My family would not be able to live with that amount taken from my account. I was told I would need to issue a stop payment with my bank which I did. Thank goodness my bank is a local community bank and they took care of everything. Navient did not apologize for their error and could not explain to me how the error occurred. They tried to say it was my fault. I would have noticed if I chose the option to pay off my loan when I was setting up the online payments. How can I can make such a large mistake? The system has issues when setting up payments. They took my bank account information and applied the entire loan and deducted the balance from my checking account. I no longer trust the online option and will have to mail a paper check for my loan. I am discouraged in the system especially since my niece has a private loan and I am scared she will have the same issues as I did. I am making every effort to avoid my children having to take out private loans when they go to college.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

My monthly payments under my for my department of education loans are {$30.00}. The monthly payment for my ( consolidated ) Federal loans are {$130.00}. The total amount of the loans I am responsible for paying each month under my IBR is {$160.00}. This has been the amount I am to pay since my IDR started. However, my amount due for XX/XX/XXXX is {$260.00} for my federal loans. This is an increase of {$98.00} on my federal loans. 

I missed my XX/XX/XXXX payment. I made the missed payments and paid the current amount due for the loans. On XX/XX/XXXX, I made a payment in the amount of {$320.00} ( which included fees ) for the federal loan. I paid XXXX for my department of education loans to bring them current. I paid a total of {$390.00} XX/XX/XXXX to bring both loans current ( including fees based on the XX/XX/XXXX bill ). 
However, my XX/XX/XXXX statement is showing I owe {$98.00} in fees. There should be no fees as since my last payment I paid all outstanding fees, past due payments and current amount due. Additionally, per the breakdown of my payments the late fees total {$14.00}. Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
Per my phone call with Navient on XX/XX/XXXX, I was advised that the payment I made on XX/XX/XXXX for the past due and current amount was applied by paying the past due balance, the current amount due and adding the remaining balance to the principal. This makes no since, because the amount I paid included payment for fees according to the monthly bill and their website. I paid the fees to remove them but they applied them in a manner that was not beneficial to me. When I asked about my current amount due I was told the balance was {$41000.00}. Which could not be accurate if the payment I made on XX/XX/XXXX was applied to the balance of the loan along with what I paid toward fees being applied to the principal balance, my amount due should be less the amounts. I was told the additional funds that I paid ( which according to the statement was for fees ) were applied to the principal balance. If they were applied to the principal balance why did my balance remain the same? If my account had a balance for past due fees why are the past due fees showing up now, and why are they so high when I only missed the one payment XX/XX/XXXX? Do I get charged late fees for payments that I make timely. I only missed one payment. If the late fees are {$98.00} that is excessive and needs to be explained thoroughly. 
Questions : Why was my payment not applied based off my statement? 
Why was I Charged {$92.00} for fees when my late fees totaled XXXX? Why am I being charged {$98.00} in fees if I am current? 
If the amount I paid for fees was added to my principal balance why did the payment not reduce my balance?
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: The CBE Group, Inc. (WI)

I have an outstanding student loan through the Department of Education and my wages are being garnished. It was turned over to the CBE Group for collection and I do not dispute the loan or amount owed. The CBE Group advised me of a rehabilitation program to get my debt paid off and I have been trying to set this up for about 5 months now to no avail. According to the terms of this rehabilitation program per CBE, I would have to pay an additional $ XXXX/month on top of the garnishment for 5 consecutive months before the garnishment would be lifted and, at that time, the loan would be turned back over to Dept. of Education. It was explained that I needed to pay this additional fee to " prove '' to them I was serious about repaying my debt. I 've never heard of such a thing and have spoken to countless employees and a supervisor at CBE imploring them to reconsider the $ XXXX/month fee because it would create a financial hardship. I am XXXX from an accident I had XX/XX/2008 and have not worked full time since then - which is why I have not been able to settle this debt in the first place. After much back and forth, I agreed to enter the program and was told I could make 2 monthly payments to split the dues in half. I wanted to start immediately but required something in writing from them that outlined the terms of the rehabilitation program, the amount I would pay every month, and the total amount I owed. I was told no by every representative I spoke with. I finally talked to a supervisor who stated he would send me the paperwork via mail but I never got anything. I then asked him to email it to me ... still nothing. I 've emailed the supervisor at the address he provided to ask for this paperwork, and have called continuously only to be told it would be sent but as of this writing I have received nothing from them. I emailed the Ombudsman from Dept. of Education and weeks later she did call me but I was at work. I called her back and on her voicemail gave specific times when I could be reached but she never returned that call. It 's been over 5 months and I am at a loss - I want to start paying this debt back and repair my credit. Any help of advice you can provide would be much appreciated. Thank you
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (IL)

I had completed a balance transfer with sears credit card last year which expires XXXX XXXX, 2016. I then was offered a couple deferred payment purchase offers in the last couple of months. I am trying to pay off the balance of the expiring balance transfer with no luck. Since the last statement I have made approximately about {$1000.00} of purchases which still has n't closed yet, and have made excess payments in order to pay down balance transfer for XXXX XXXX. Now my overrall balance is {$100.00} over the total promotional balance offer total, so none of the excess payment money is being allocated to the promotional balances. I contacted sears and they told me it goes to higher interest rates first, but if that 's the case why is n't those balances getting lower instead of saying the same. I also thought that in the last two months credit card companies were required to apply the excess payments to the expiring balance transfer first. The other question is why the regular purchases being taken off when the statement has n't even closed yet, to allow the 25 days or so of free interest. I believe I 'm getting XXXX around here.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OR)

Sears Credit Card a subsidiary of Citi Bank sent an unsolicited notice that they were " Upgrading '' my card to a Master Card. A few years back they used this same ploy and I received the card, again with out my approval, and had to contact them to reverse the process. The deceptive practices used in the mailing sent are like any other solicitation for a credit card except in the fact that you have to opt out rather than accept their offer. Also the " upgrade '' contained no information on the rates that would be charged with this new card possibly creating a financial difficulty for those who did no catch the " opt out '' requirement.