davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX CitiMortgage contacted me regarding a Loan Modification. Citi was already collecting my payment so I agreed. I filled out the package and began the Trial Mortgage Payments which were suppose to be 3 months but ended up being 10 months. 8 months went by then Citi sent me the same Package to be filled out again. 2 months later they denied the modification but took my Trial Payments and never gave me credit to my account. They then stated I owed 10 months worth of full payments plus interest in penalties. Citi then sold my loan to XXXX Mortgage without fixing my loan that they screwed up and XXXX immediately tried to foreclose on my Property. My Property then was apparently sold on the Courthouse steps to XXXX XXXX XXXX which is a part of XXXX but no Bill of Sale exists in XXXX County Court records. Apparently " ASSIGNMENTS W/ ROBO SIGNATURES count as sales nowadays. Long story short, I 've been in & out of court since XX/XX/XXXX fighting these Corporate Crooks on my own because you could n't find an Attorney to take Mortgage Fraud cases in XXXX back then and dealing with there XXXX XXXX XXXX XXXX who have done anything & everything they could whether legal or illegal to STEAL my house. They did illegal listings for the sale of my property on the Courthouse steps ( 26 days ), they have Documents in court with Multiple Attorney Signatures with the same name and more. All I asked for was a Jury Trial but my cases keep getting kicked back to XXXX Court where their was n't a Jury Trial. The XXXX County Court System along with XXXX XXXX XXXX consistently violated my Right to Due Process. I have all the documentation to prove every accusation that I can make. This is Corporate Mortgage Fraud at it 's finest!
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CO)

Attempted to get my free annual credit report from XXXX for more than 2 months now. Experian still does not allow that website access. 

**WEBSITE QUOTE** We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX **END QUOTE** I have gotten this same message for too long. I thought that it was the law that this information is made available to consumers and that this website is where we are supposed to go to get this information.
Consumer complaint received 2016-03-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MA)

Applied for Citi Diamond Preferred Credit Card. Got approved. 
Was surprised to see being assigned the highest APR possible, because my credit is excellent ( XXXX, XXXX, normal range is XXXX -XXXX ). Called Citi to inquire why the highest APR was allocated?. Also, inquired what was the formula and what credit score was required to get the lowest APR. XXXX nor supervisor could answer. Indicated there is nobody in the whole company that knows how APR is calculated. 

This is both false and deceptive, because Citi represents that the APR is based on your credit scores. However, they are - either uniformly assigning highest APR regardless of your credit score OR using discriminatory ( racial, nationality, sex, etc. ) criteria to assign highest APR 's to certain groups regardless of credit scores.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I 've been having continuing problems with calling the Sears mastercard for making a payment. The goal appears to be to cause me to fail to make a payment so that they can charge me a late fee. Well it happened. On XX/XX/XXXX, I called to make a payment ( {$340.00} ). It would n't ask me for my account number and when it asked me if I wanted to make the payment with this routing number and that account number it used my routing number for my account number. I called them and complained and they said there was something wrong with their system and wanted me to give them my routing number and account number, I refused fearing credit card fraud - I normally only give those numbers when using an automated system. I told them I 'm tired of Sears making it so difficult for me to make payments and that I would write the CFPB and complian. The call ends. I call the automated system to see if I would be able to make a payment. This time it asks for my account number. Nearly every day, I check my checking account to see if the money was taken. On XX/XX/XXXX or XX/XX/XXXX I called Sears Mastercard to see what the automated system would say my balance is and it said thanks for my payment of {$340.00} and that there was no payment due. On Friday ( XXXX XXXX ) the money ( {$340.00} ) still was n't taken from my checking account. 

I call the company ( Sears Mastercard ) and I 'm routed to Citibank for collections. They say I 'm 4 days past due and that there 's a {$29.00} late fee. I complain that Sears is intentionally not taking my money in order to collect {$29.00} without providing any product or service. They deny it and say I eneterd the " check '' numbers incorrectly when I call to make a payment. They have it set up in order to create as much work as possible for their credit card holders - they wo n't accept payment by debit card. Paying by debit card you can see nearly instantly if the money was taken. Paying by routing/account numbers it can take as long as 5 days for the money to be taken, easily taking people past their due date - easily creating {$29.00} late fee for sears for providing no service and no product. 

They hang up. I call again, make the same accusation. I told them to remove the late fee or I would close the account. They ( employee XXXX ) said they would remove the {$29.00} late fee and I have to give the person ( XXXX ) my routing / account numbers. So I assume i was n't charged {$29.00}, what will happen next month may be different. But at this time I 'm more concerned about this happening again. 

I want to be able to pay by debit card so I can see right away that they took the money, otherwise I want to close the account. And I need help finding a credit card where I can pay by debit card. I looked online but such information is not organized. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2017-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I cosigned a loan 10 years ago for my cousin XXXX XXXX, I believe it was a private loan. I called XXXX XXXX, they sent me to their collection agency XXXX XXXX XXXX. I spoke to a rep named XXXX and explained the situation and told me he was authorized to settle the account in full. The amount owed was {$8400.00} full settlement amount was {$4300.00}. 
I told him I could pay with a credit card but I needed receipts and a letter showing that the amount was paid in full. I received letters stating exactly that. 
I reviewed my credit report and XXXX had not updated my settlement. They reported to the credit agency that I was not paid in full. It shows a balance of over {$5000.00}. 
I have the letters sent ny XXXX XXXX XXXX stating I am paid in full but XXXX is not honoring the settlement and has reported to the credit bureau 's that I still owe money on the account. 
My cousin has disappeared no one in the family know his whereabouts, I 'm trying to settle this in good faith I called XXXX XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX when I questioned why is there a balance still showing on my credit report she tried to extract the rest of the balance from me and I told her I already settled. She continued to say that I owed the difference. I then told her that I 'm calling the dept of Education and the dept of Consumer Affairs, she changed the whole script, she then told me that my account was closed with a XXXX balance.
Consumer complaint received 2015-11-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

I have received repeated ( daily ) calls from XXXX XXXX XXXX , XXXX. They call late at night because the company has outsourced debt collection to XXXX and representative do not know the time in United States. In addition, the representative that call and answer company 's phone use fake name to appear as if they are calling from the United States. They are rude, overbearing, and lack a demand of the English language to effective communicate. The company has given me the runaround in my attempt to get them to stop calling my home.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (OK)

While trying to make a past due auto loan payment at Ally Bank via phone. A supervisor took over the call and argued about taking a payment. I had been working with a person named XXXX. XXXX had been making contact with me in regards to my payments. Around XXXX this morning XXXX called to follow up about payment. I let her know that I was in the process of doing so. She informed me to make a payment and she will make sure that it was posted. After hanging up, I went to the online banking site and began making my payment. I needed to make two transactions of {$230.00} to make a payment of {$460.00}. When I made the first {$230.00} transaction and began to make the second the on-line system would n't allow another transaction to occur in the same day. In the error message line it suggested that I call for further help. So I did just that, I called back XXXX 's direct line. But she did not answer, another person named XXXX answered and explained XXXX had just went to break. After explaining the actions that I had took and that I wanted to make two transactions. XXXX explained that I would have to make a payment via third party with an included fee. So, I stated that I would make the other {$230.00} payment tomorrow. XXXX said that would not be acceptable and then placed me on hold. After about a minute of being on hold another person informed me that she was a supervisor named XXXX XXXX and then the call became different. She was rude and abusive and even eluded to be a legal expert. Even after explaining that all I wanted to do was make a payment. The supervisor constantly spoke over me and chastised me about my difficult financial times and not being able to make a timely payment. She continued even after I stated that my financial hardship was due to the downturn in the XXXX and XXXX XXXX of which I am a business owner. She also brought up a legal notice and during the conversation she stated it was " black and white ''. I asked if she was a legal person, she acted as if she was a legal representation and that I had no recourse or options. I also informed this Supervisor that I am a business owner and I too record my calls. After 22 minutes of this rude and abusive behavior payment was made and the Supervisor had no remorse for her behavior she even at one point told me she " did n't have time for it at XXXX. '' I was confused by what she meant by that, she did n't have time to resolve my issue and take my payment? This call was derogatory, abusive, and degrading when the only thing I wanted to accomplish was making a payment to clear up my finical issue. I have this call recorded and available for review, if needed.
Consumer complaint received 2020-04-20
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

My siblings and I are the successors of our parents home. Father passed away in XX/XX/XXXX. We live in the home and due to his passing we became delinquent. The original servicer was Nationstar which is now Mr. Cooper. They started the foreclosure process for which I had to get the assistance of XXXX XXXX group to stop the foreclosure. Went before the Judge and Mr. Coopers attorney and came to agreement to work on loan modification. We submitted the documents through their attorney and was told it was complete and we would hear from them soon. The next thing we received was a notice with a sale date. We called Mr. Cooper and they said there were missing documents. They never called or asked in writing for the documents that were allegedly missing, so we had no idea. We started another application and as we were in the process a representative from Mr. Cooper informed us that nothing could be done with the house until it was out of probate. It is still in probate however, they mailed another loan modification packet which I received on XX/XX/XXXX but sold the property 11 days later on XX/XX/XXXX. They had us believing we were working towards keeping our home, but what they were doing was giving us the run around and misleading us by telling us different information just to run the clock out so they could foreclose and we would have no time to stop them.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

In response to a bank bonus promotion at Citibank, I signed up for a personal checking account on XXXX XXXX, XXXX. The promotion promised {$400.00} as a bonus if I opened an account and held a balance of {$15000.00} for 90 days after the first statement period closed. 

I waited for the bonus after depositing my {$15000.00} and keeping it in the account for the designated period. On XXXX XXXX, XXXX, Citibank closed my account and sent a check for the balance without me requesting that they do so. I called on XXXX XXXX, XXXX and learned that they believed they had not received my signature page for the account. When I told them the date when I submitted the page, they searched their records and found it. They admitted their error and let me re-open the account with the full {$15000.00} balance ( which happened on XXXX XXXX ). In another call on XXXX XXXX, XXXX, the bank 's New Account Opening office confirmed again that I would still be eligible for the bonus. 

I continued to wait for the bonus. On XXXX XXXX, I called again about the bonus. The representative said that the bonus should post around XXXX XXXX. It did not. On XXXX XXXX, XXXX, I called the New Account Office once again. They informed me that they would open an investigation internally, number XXXX. Now, it is XXXX XXXX, XXXX. I still have not received the bonus, despite maintaining a {$15000.00} balance since XXXX of XXXX. I have read in online forums that many other customers have had similar problems with Citibank 's bonus promotion.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: HW Holding, Inc (TX)

I have no knowledge of this debt. This debt was recently placed on my credit report. I was not notified properly of this debt before been placed in collection. This is a violation of my rights. Company is now close but debt continues to be sold to several collection agencies.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: GSI  Recovery, LLC (NJ)

This is a copay deductable that was owed from a motor vehicle accident in XXXX. Since XXXX I moved two times, however, my telephone number remained the same and i never received any attempts to collect a debt. Back in XXXX this was brought to my attention as i am in the process of buying a home and credit is the biggest factor. I contacted GSI, spoke with a XXXX XXXX, asked for this to be deleted from the credit bureau as I was never aware of this and he did forward me the forms he submitted for deletion. This has been paid, and not deleted yet which is affecting my credit score!!
Consumer complaint received 2015-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I received a credit alert that a collection agency known as IC System stated I owed them a debt of {$610.00}. I was not aware I owed a debt to anyone. I contacted them immediately. The debt belonged to a power company I had n't used in several years. IC System said if I paid off the debt immediately it would be removed from my credit report and not further reported to the credit bureaus. They promised me this debt would be deleted. I paid it off immediately. IC System still reported it to the credit bureaus. I called IC System and they verified the debt was paid, but still they did not properly report this to the credit bureaus for removal. It has been several weeks since I paid this debt in full and the derogatory remark remains on all of my credit reports.
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: Experian Information Solutions Inc. (GA)

Experian &   XXXX    Credit Reporting Agencies are re porting inaccurate credit information on my credit file regarding  5     XXXX   XXXX   XXXX   XXXX    XXXX  accounts. Their reporting that my current payment status is  120plus da ys past due when in fact the account were transferred to another lender and paid. I have filed several disputes with the CRA and have contacted the    XXXX   XXXX   XXXX   XXXX     XXXX   for the information to be corrected to no avail for the past 3 years.
Consumer complaint received 2016-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: I.C. System, Inc. (VA)

I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/XXXX
Consumer complaint received 2016-03-02
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (CA)

I sold a couch for {$190.00} and received payment for said couch on XXXX XXXX, 2015 via PayPal. When I tried to submit the payment to my checking account PayPal locked my account and on XXXX XXXX, 2015 they stole {$83.00} from me. They say that it is " deducted funds from your PayPal account to resolve your negative balance account. '' When I called to ask about the negative balance account, they said it was in reference to a chargeback for a transaction that occurred roughly 10 years ago with a PayPal account connected to a XXXX email account I lost access to nearly a decade ago. They did not provide any details regarding the transaction. Regardless, this is far beyond the 4 yrs. statute of limitations in California for collection of debt on account per Civ. Proc. 337. I received no notice about this until I called in in 2015 after they took my money.
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (TX)

I applied for a car from XXXX XXXX of XXXX. When they pulled my credit report they informed me that I had an extended fraud alert on my file with NO contact information. So I called Equifax to find out if this was true so that I could continue with my purchase of a car. The representative with Equifax told me that I would have to purchase a credit report in order for them to assist me. I purchased the report for {$10.00}. To my understanding I should not have had to purchase anything to fix my contact information. I am now still waiting for them to add a verification phone number to my report. This is absurd. I should not be denied credit because of Equifax wrongdoing.
Consumer complaint received 2015-09-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (IL)

We were behind several months on our mortgage. While we were working on a repayment plan, another department had started the foreclosure process. In XXXX XXXX we completed a Default Resolution Option to bring our mortgage current. We worked with the bank for a month or so and signed papers by the end of XXXX. When I did not receive any kind of bill or anything, I sent in my first payment in XXXX of XXXX, which they accepted. Then another two months went by and we could not get an answer to why we were not receiving any kind of notification so I sent another check for the agreed upon amount. That was returned back to us. In XXXX we received foreclosure paperwork. We went to the court everytime there was a hearing and even filed against the bank after a year of court dates every 6-8 weeks which they would never show up to. Unfortunately my husband became ill and could not go to court and the case was closed (? ). At the end of XXXX, XXXX we received notice that we could qualify for a Loss Mitigation Foreclosure Alternative. I spoke to US Bank representatives several times to clarify that I was understanding what I would have to do to save my home. They told me there would be three or four months of a high payment of about {$1400.00}, to 'prove ' that I was serious about saving my home, then the mortgage 'should ' drop down to under {$1000.00} per month ( I heard the representative figuring things, looking at approximate interest rates and estimated that the payment would be about {$900.00} ). I made my XXXX payment XXXX XXXX and continued until XXXX. At that time I was set up with the 'regular ' payments which was only {$50.00} less than the initial phase payments. All of a sudden no one knew why I was told that the payment would go down. So my mortgage of {$150000.00} suddenly went to over {$200000.00} because they added fees and interest ( which I do n't believe I was told about at the beginning ). 
Now I have checked out refinancing or seeing if I am eligible for the Hope program but no XXXX will finance over {$150000.00}. My house is worth about {$110000.00}. Today I owe about {$190000.00}. I am now stuck in my home, I ca n't sell it or refinance it because of everything they added to the original loan. I feel they were very deceitful and did n't want my home so they made me belive my house would once again be affordable after the initial 3-4 months.