davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that XXXX XXXX system cease calling my mother 's home where I do not reside.
Consumer complaint received 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TN)

XX/XX/XXXX {$9.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX, last day worked, terminated. 
XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$6.00} Card Security Fee XXXX XX/XX/XXXX {$7.00} Card Security Fee XXXX XX/XX/XXXX {$28.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$39.00} LATE FEE XX/XX/XXXX {$8.00} Card Security Fee XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$6.00} Card Security Fee XXXX Total fees charged effective XX/XX/XXXX {$170.00}
Consumer complaint received 2016-04-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (NC)

In getting the necessary paperwork for a mortgage refinance, the Bank that is doing the refinance ( XXXX XXXX Bank ) requested a loan payoff statement from the current holder of the loan ( Selene Finance ) on XXXX XXXX, 2016. XXXX XXXX Bank has made at least XXXX follow-up requests and Selene has still not provided the statement. I called Selene personally on XXXX XXXX and again on XXXX XXXX virtually demanding a response. Their response to me on the XXXX was that it would take a minimum of five days. After I demanded that the clerk follow up with a supervisor she came back on and said that I could " expect '' to get the statement on the following day. She explicitly offered no guarantee. When it did not arrive, I called and insisted on speaking to a supervisor myself. XXXX XXXX came on the line and was ever so conciliatory, agreeing that two weeks to comply with our request is unacceptable. He suggested that I have the statement emailed to myself rather than faxed to the bank. He could not be sure that their phone lines are reliable. I gave him my email address using the international phonetic alphabet, which he said he understood, and he read it back to me correctly. I have still not received the requested document. I can see now that XXXX XXXX XXXX is the epitome of passive aggressiveness. It seems that I am being punished for being forceful. Being patient and polite did not work. Being forceful did not work. The refinance will save me about XXXX dollars per month in mortgage payments. The only thing holding it up is this XXXX document that Selene seems to be refusing to provide. Please help.
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (TN)

Open collections AFNI from XXXX. 
I contacted XXXX on this matter and spoke with XXXX different people. No one could provide any infromation about why I was turned over to collections. When I called XXXX they had all my personal information. Since I had canceled my service over 4 years ago they had no record of my account. At the time of canceling service I was told I would not owe anything as long as I returned the equipment. I returned the equipment to XXXX in the allotted time given. 

I canceled my service with XXXX due to price increase I was no longer under contract with XXXX when canceled I returned all equipment to XXXX I provided my current billing address to XXXX I provided my current email address to XXXX I provided my current phone number to XXXX After all with I never received any emails, phone calls, or bills from XXXX.
Consumer complaint received 2016-01-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have about XXXX seperate private students loans through SallieMae/XXXX ... and also about XXXX XXXX loans through them as well..I wracked up huge debt ... XXXX total ... I never graduated, had to leave with XXXX classes remaining because Sallie Mae wouldnt approve me for the final XXXX I needed. Ive paid off about half over the last 7 years, paying anywhere from XXXX amonth to about XXXX. I was able to pay it so i did, but recently ive had trouble paying on time because my checks from my job in the film business do not come in mail at appropiate and regular times.. the late fee are crippling.. i do t mnow if i can keep up with the payments.. and for years now ive been trying to ask questions and find out how to reduce my monthly payment ... I have not been able to negotiate anything with them.. the customer service is terrible ... often ive been hung up on after being toldto wait on hold for up to and over 60 minutes!! no answers and no negotiating and no consolidation. Im pretty sure they tricked me into doing half my loans or some kinda interest only payment early on .... im now buried in a pit of debt because of sallie mae/ navients misleading business practices, intimidation tatics, harrasment, and frustration ... .. 
I need to also mention that sallie mae/ XXXX have been calling and harrasing my co signers if ive been late by a day. They never call me, they straight call my XXXX year unlce and XXXX year old grandfather. Ive asked them to not call and bother them and to please call me instead. They have not stopped bothering my co signers ... .also it is impossible to find information on how to remove my cosigners name from my loans. I have so much angry and frustration about this situation ... i just want to be able to pay a resonable amount per month yo pay off my debt, i shouldnt be made pennyless by a vampiric corporation. 
P.S.- I want to click every button down below
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Navient failed to apply additional principal towards despite express instructions to do so. Navient also piled on numerous late fees despite paying on time. And, despite disputing the amount owed countless times, Navient turned my student loan over to a company - XXXX - I 've never heard and now my student loan is in default and damaging my credit history!
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (GA)

Citi bank reported delinquent payments that damaged my credit standing on an account that they never furnished me a hard copy of the statement for. I kept getting emails telling me to log into their site to see the account but kept telling them I could n't because I no longer had the card and the log in required it. They would not provide me with the full number of the card and in spite of my requests whenever we talked on the phone ( today being the most recent ) I have NEVER seen the statement. I filed a complaint with CFPB that resulted in them removing late fees and I did pay the amount to stop the damage to my credit standing but today was told they would not correct the information sent to the credit reporting agencies and again did not offer to send a hard copy of the statement showing what was purchased.
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX, XXXXVIA CERTIFIED MAILCitiMortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXXCitibank, N.A. 
c/o CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX, SD XXXXXXXXCitigroup Mortgage Loan Trust Inc. 
XXXX XXXX XXXX, XXXX, New York XXXXCitigroup Global Markets Realty Corp. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXX, Trustee for Citigroup Mortgage Loan Trust , Inc. 
XXXX, MA XXXXATTENTION : XXXX : CitiMortgage , Inc., Loan # XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXXFIRST NOTICE AND DEMAND TO CEASE AND DESIST ; NOTICE OF RESCISSIONTo Whom It May Concern : I reserve all my rights regarding this matter and hereby rescind the above referenced alleged " loan ''. 
This letter is to demand that all of the above addressed entities Cease and Desist all foreclosure proceedings against the referenced property. I have previously requested documentation that any of the above listed respondents have standing to non-judicially foreclose this Note and Deed of Trust and proof that I owe anything to any of these entities. 
I paid monthly payments on this alleged " loan '' for 5 years ( XX/XX/XXXX to XX/XX/XXXX ) including PMI insurance because I was led to believe that I received a loan. Now, I believe there is a large scale scheme to defraud me, who in good faith signed alleged " loan documents '', without, inter alia, disclosure of the intent by the above listed entities to securitize the Note, thereby allowing many if not all of the above entities to more than XXXX the amount stated on the Note, and demanding monthly payments from me, the misled " borrower. " I am therefore demanding the following:1. Cancellation of the posted Trustee Sale ( noted above ) ; 2. An accounting of all charges and fees associated with the figures quoted in the Notice of Default and Notice of Sale ; 3. Proof that any of the above referenced entities has the right to non-judicially foreclose on behalf of a legitimate loan holder as established by CHBR XXXX ( XXXX ) ; and4. Proof that I actually owe any money to CitiMortgage, Inc. or any other entity. 
Govern yourselves accordingly. 
Sincerely, CC : Consumer Financial Protection BureauXXXXXXXX, Iowa XXXXVia Fax : XXXXXXXXOffice of the Comptroller of CurrencyOCC Customer Assistance GroupXXXXXXXX XXXX, TX XXXX
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

I opened a Citigold Checking account with Citibank on XXXX/XXXX/XXXX after receiving the promotion code XXXX. The requirements for this promotion were to open a Citigold checking account, make one bill pay transaction for two consecutive months, and make {$1000.00} in purchases via the debit card. Upon completion of the promotion requirements, I would receive XXXX XXXX XXXX. I thought this was a great promotion as I am a long-time Citibank XXXX credit card customer ( since XX/XX/XXXX ) as well as a Citibank customer ( since XX/XX/XXXX ). Citibank opened my Citigold Checking Acct in early XXXX XXXX. I promptly deposited funds and began working to satisfy the promotion requirements. I completed the bill payments on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I completed the {$1000.00} in debit card purchases on XXXX/XXXX/XXXX. Following completion of the requirements, I contacted Citibank customer services and was informed that I had met the requirements and the miles would be post XXXX statements after the period in which I met the requirements. Given the requirements were completed in XXXX and the XXXX statement closed on XXXX/XXXX/XXXX, I expect the miles to post XX/XX/XXXX or XX/XX/XXXX. After not receiving the XXXX AAdvantage miles by XX/XX/XXXX, I sent a message to Citibank via the messaging function on their website on XXXX XXXX, XXXX. Citibank promptly replied on XXXX XXXX and indicated they would review the issue. After several weeks I received a letter from Citibank on XXXX XXXX, XXXX indicating that after investigation they determined that I was not actually eligible for the promotion. This contradicts information previously provided to me by Citibank customer service.
Consumer complaint received 2017-02-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

A hard inquiry was made without my consent so I contacted the bank and the credit bureauo to find out why.the bank refused to advise me dispite verifying my identity. The credit bureau advised me to get a letter of deletion from the bank to take it off but the bank refused to provide that as well. XXXX redirected me to the credit bureaus and the credit bureaus did the same- redirected me to the bank
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

On XX/XX/2016, I made a payment on my XXXX XXXX Citibank XXXX for {$2000.00} from my XXXX Checking account. The credit was applied to the credit card acct and the money was deducted from my checking account. Later the money was added back to my credit card stating that the payment was rejected by XXXX how ever the money was never returned to my checking account. Following a three way call between both banks XXXX was able to provide an ACH Fed Trace number showing that they had given the funds to Citibank on XX/XX/2016. I have requested numerous investigations by both banks and both says the other has the {$2000.00}. At this time the payment has not be applied to the account and the money has not been returned to my checking account.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MI)

We ordered an edger for my birthday ( XXXX XXXX, 2015. That day we called them and their person in that area said it 's XXXX junk and that the carborator was bad. So, we called to return it. They told us that their home delivery would come and pick it up. Then no one showed. We kept calling and kept getting different answers. Then we were told XXXX had a call tag. This was charged to my charge ( its the only thing on there ). Mind you it never worked from day one. I still do not have it picked up after buying a box for it because XXXX first said empty gas and oil. We did that, then they said the box was not firm enough. We bought a box, then he said not good enough because the box we purchased only one in our area had to be cut down and taped to fit the thing. Then, we had it sitting on our porch for almost two months. l then called and they told me its off your charge throw it away ( dispose of it ) you can listen to their recordings it 's there and i can give the guys name. I repeated him twice. Then he did remove it from my charge. I called to check on it and told the girl I was leary of throwing it out until I was sure it was off. Then she put it back on my charge. Now they are sending me another XXXX tag for the edger and want to get it back. They put it BACK ON MY CHARGE and are ruining my credit. They are now sending me another call tag U
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

On XXXX XXXX, XXXX trees fell on my house completely destroying the part of the house where I live. Since that time I have been homeless. My insurance company, XXXX XXXX, provided what I think will be enough money ( {$120000.00} ) to repair my house but all checks have required an endorsement by both myself and my mortgage company, Ditech Financial LLC. Ditech has cashed the checks but refuses to tell me if the money is held in escrow. I was able to borrow enough money to remove the trees ( {$12000.00} ) and the debris from my fallen house ( {$24000.00} ). I have sent the documentation to Ditech ( https : //www.ditech.com/ ) repeatedly. The insurance company provided checks to cover the completed work and has sent all required documentation at least 3 times. I have tried to supply all of the documentation requested by Ditech including contractor license numbers, XXXX forms and lien waivers ( some seemed to have been lost by Ditech and were never put in my Ditech file so they were sent two or three times ). They have told me that I have now submitted all required documentation but they do n't send the money. XXXX checks for materials were sent but they were made out to the wrong suppliers so they had to be returned. I have received multiple letters saying that my information is being sent to a bill collector. I have never been late on my mortgage in the XXXX years that I have owned the property. 

I am acting as my own XXXX because I was fully involved in the original construction of the house and there is not enough insurance money to hire a general contractor. With the intervention of the insurance adjuster, Ditech released {$10000.00} which does not even pay for the money that I had to borrow from family and friends to do the demolition and tree removal. My loan is a XXXX XXXX loan and as I understand the laws governing XXXX XXXX loans, this money needs to be in escrow and the interest earned sent to me at the completion of the claim. The mortgage is around {$140000.00} and the land alone excluding the house has a valuation of {$180000.00}. 

I have a XXXX XXXX loan and according to the following website, I believe that I an entitled to a disbursement of {$40000.00} plus the amount that I have already paid for the tree removal and the demolition. XXXX ). 

I am XXXX XXXX XXXX and have very limited income so that I am unable to get a loan to fix the property. I do not have money to hire a lawyer for litigation. Do you have any suggestions on how I can proceed if your office is not able to help me? I called the XXXX office and they offered no help except to tell me that I needed to deal directly with the mortgage company. When I said that I was talking to the mortgage without any effect, the XXXX representative hung up on me. I need help in getting money released so that I can repair my house.
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I entered into an agreement with ATTUniversal/Citicard to pay a credit card debt, The agreement was negotiated by XXXX XXXX XXXX and the payments were made thru them. I have copies of my signed agreement from XXXX and the agreement letter from Citibank. 
The original contract stated that I would pay Citi {$570.00} per month for a total of 12 months. I have copies of the front and back of each of the 12 cleared checks. The checks are dated XX/XX/XXXX thru XX/XX/XXXX. Since the final payment, Citibank has continued to report to the three credit bureaus that I owe them {$10000.00} in spite of my proof of the agreed-upon payoff of 12 x {$570.00} = {$6900.00}. Twice, I have sent them XXXX 1 certified return receipt mail and 1 fax XXXX copies of the cancelled checks and both the XXXX and Citibank agreement letters. They have never acknowledged receipt of any of them. The account has been moved to four different collection agencies who can not provide proof of the check that allegedly did not clear. They just repeat what Citibank has told them " The XXXX XXXX check was returned for insufficient funds. And I, once again, owe them the original amount of $ XXXX. " There was no XX/XX/XXXX check. The XXXX and final payment was XX/XX/XXXX. I have repeatedly asked for proof of the NSF check but have never received it. 
I have written the credit reporting agencies asking them to remove the incorrect information, to no avail. 
Citibank continues to say the NSF check broke our contract and I still owe them the {$10000.00}. I would like to see this item removed from my credit report and marked " paid as agreed. '' Please note this has been going in for more than a year and been circulated to four different collection agencies with NO help from Citibank.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

Macy 's cashed my ck # XXXX for {$1300.00} on XXXX/XXXX/2016 the last XXXX digits of my account was written on the check. As of XXXX/XXXX/16 Macys has not applied the payment to my account. I faxed a clear copy of the front and back of the check on XXXX/XXXX/16 XXXX. I am told that it will take 2 billing cycles for them to look into and correct. I am asked to still make a min payment even though the check will pay more than what is currently charged on the account. I have reached out to Macy 's through the secure email on the credit card for some kind of status update on the research and no feedback has been provided.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 
- See offer below After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 
- See confirmation message below On XX/XX/2016, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX 2016. 

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

On XXXX 2016, I contacted Citi via message again that I did not receive my points. Citibank indicated that they will open an internal investigation. Finally Citibank asked me to contacted them to add and Citibank still have not complete the investigation, keep responding that investigation is in process and points still not add to my American airline account XXXX yet while I am paying monthly fee of {$30.00} to maintain my account. 

Citibank again requested me to provide XXXX XXXX account number for 3rd time and indicated will have the bonus within 10 days since XXXX XXXX and now it 's XXXX XXXX and still did not have my XXXX miles yet. 

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 by not giving me the XXXX american airline miles to my XXXX account # XXXX as promised Citi must credit my account XXXX XXXX miles immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

Please help!!!!
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, 2015 I received a letter from citi credit management deparment,, to notice about decreased credit limit, because my credit report shows delinquent credit obligation, either paid or unpaid with another creditor, the decision was based from the information obtained from XXXX, I went to credit repair consultants to see what happened, and we saw a big mistake, SEARS/CBNA, reported to XXXX a credit car # XXXX account owner, authorized, high credit {$4300.00}, credit limit {$4000.00}, date reported XXXX/XXXX/2015. this credit card is not mine. i called to this number XXXX customer service, i expleined everithing, they told me they need the credit card last XXXX number, i said i dont have it, they told me go to consumer financial protection, they are reporting this credit card to XXXX and they dont have the last card XXXX numbers??