davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CO)

We have been customers of CitiMortgage for ten plus years and our current mortgage and HELOC are both serviced through them. We had done a refinance approximately five years ago to obtain a lower rate and the process was seamless even though the industry had tightened up due to the housing market crash. Recently we decided to refinance again combining the current mortgage and HELOC and because of our history with CitiMortgage, we decided to go through them again. On XXXX XXXX, 2015, I called and spoke with XXXX XXXX and began the process. While there are several customer service issues with our attempt to refinance XXXX which l will not go into at this time ), the first and foremost complaint has to deal with our lock. We were locked in a rate of 4.375 %, receiving a credit of {$1100.00} expiring on XXXX XXXX, 2015. As of today XXXX XXXX, 2015, we still have not been contacted by CitiMortgage regarding our expired lock. In fact on XXXX XXXX, 2015 at XXXX, I had called our loan processor XXXX XXXX XXXX and advised her via voicemail ( she does not answer her phone and or return phone calls ) that XXXX and I have decided to withdraw our application. However XXXX XXXX had not checked her phone messages, but instead sent me an email stating that we were final approved and the closing department would call me in the next 48 hours to schedule a closing time. I in turn replied to her email stating how could we be final approved with an expired lock? XXXX XXXX XXXX replied that our lock had been extended. Here lies the problem, I am unclear as to how CitiMortgage can take the liberty to extend our lock without our consent especially since refinance mortgage rates have dropped to 4 % -4.125 % with no points? It seems to me that this would fall under the category of full disclosure to the borrower, which in this case appears to have been violated. In addition, with the " new '' lock expiration date our daily interest charge continues to accumulate, this again is a mortgage loan being serviced by CitiMortgage. 
We have paid our mortgage payments on time, and have been loyal customers of CitiMortgage, but this process has been a nightmare. I have had to put off applying for student loans ( I am in the process of earning my degree ) not to mention the time that has been taken to deal with this, something that could have been avoided had CitiMortgage communicated with us. CitiMortgage has taken advantage of us and we feel violated by their underhanded dealings. We are requesting they refund us our appraisal and credit fees as they did not do provide the services promised.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I have been on XXXX for 3 years. I was never offered lower payments, instead was told I need to purchase a forebarence, I did this several times until Navient told me I was out of forebarence/deferments and Private loans do not qualify for XXXX forgiveness like Federal loans and that my social security XXXX payments would be garnished if I did n't continue paying.
Consumer complaint received 2015-10-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

I attended a presentation in XXXX, and the company ran my credit card for almost {$31000.00}. I did not authorize the charges. I revisited the merchant after seeing the charge, they provided me a letter stating they would refund my monies. this never occured. I called Citibank my card issuer, opened a fraud dispute at the customer service reps advice, heard nothing until XX/XX/XXXX where the case was closed as they stated this was not fraud it was billing dispute. I did speak with the investigator, she asked me to send in a notarized copy of the situation and then I opened the billing dispute. Weekly I have been contacting Citibank with no resolution, and this week they told me that too much time has elapsed and they could not assist me. there was not any moment I waited longer than 48 hours to return any documentation they asked for, and the initial charge back was open within 10 days of the charge. Since XX/XX/XXXX the merchant has disconnected their phones and removed website. I have asked the issue for arbitration, and they have told me I can not request arbitration on this issue as they need to open arbitration with the acquiring bank.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (CA)

the Apple card is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682
Consumer complaint received 2016-03-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I have a business account with Citibank that serves as petty cash account, with less than XXXX transactions a month, and with a minimum balance. Citibank insists to charge {$17.00} a month as a maintenance fee unless I have a {$5000.00} minimum balance. 
i consider that fee abusive but Citibank does not offer any other business product to meet my needs, so they should waive the fees.
Consumer complaint received 2016-04-19
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)

My loans are through XXXX now Navient. I am a XXXX and have been paying on these loans for over 13years. In XX/XX/XXXX, I had the payback period changed to an end date of XX/XX/XXXX. Suddenly XX/XX/XXXX, Navient unilaterally changed the terms of my loan back to an end date of XX/XX/XXXX which conveniently would earn them over {$8000.00} more dollars in interest. So I had to waste time calling Navient, to verify why the terms were changed without a discussion with me. No one could give me an answer. I then reported them to the XXXX, which prompted a call from their customer advocate department. A, XXXX XXXX assured me the terms were corrected and the direct withdrawal amount would be corrected back to what it was. I see today that it was n't. I find it curious that a large banking concern could n't figure out how this happened and then given 3 weeks notice could n't get it corrected.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT REMOVED!!!!!!!!!!
Consumer complaint received 2015-07-23
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (TX)

My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (MO)

I have a AAdvantage credit card with CITIBANK. XX/XX/XXXX, I took a Balance Transfer offer, for which I paid a fee of XXXX % over the amount of the transfer and have until XXXX/XXXX/XXXX to repay the balance transfer without interest. 
I have since then been paying in full for all new purchases made in the month included in the statement plus an extra amount to repay the balance transfer ahead of the XXXX/XXXX/XXXX interest free deadline. However, CITI is charging an interest over the new purchases made in the month included in the statement because while I am paying in full the new purchases, I am not paying in full the new balance that includes the Balance Transfer ( although I supposedly had until XXXX/XXXX/XXXX to pay it back ). 
I was just on the phone with CITI and they claim that this was disclosed as part of the Terms of the Balance Transfer offer, and probably it was. However, that means that the Balance Transfer offer was deceiving to say the least.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Solidus Group LLC. (TX)

I received a call on XX/XX/2015 from a collection agent named XXXX XXXX XXXX stating that I owed them money or they were going to take me to court and have me served and arrested. I stated I wanted a validation of this debt and he stated that I would get it when I was served and to pay my debt. I again asked what this was in regards to and denied.
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (SC)

Unauthorized charges were made on my Citi VISA card. The charges were made in XXXX, XXXX. I live and work in XXXX, XXXX. I was not in XXXX on the dates of unauthorized use. The amounts were all suspiciously large even numbers : {$400.00}, XXXX etc. amounting to over {$2600.00}. These charges in no way resemble the pattern of spending history previously or after the disputed charges. I have tried repeatedly to dispute the charges with Citi. They just sent me a letter stating that " since my name was on the card '' I would be responsible for the charges. The stated policy of the bank is that I am not responsbile for any disputed charges.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (AK)

They called and said they are looking for my son. Their phone number is ( XXXX ) XXXX. They also called his Uncle. They called me over and over but would not divulge any information as they could only contact my son. I gave them my son 's number on numerous occasions. My Son is in a XXXX program at the University of XXXX. He said they continually call him while he is in lab doing research and because they never leave a message he just assumed it was a political or prank call. Regrettably at my urging he called them back. They demanded payment on a credit card bill we thought had been resolved when he purchased a home in Arizona. They demanded XXXX of the money immediately and got my son 's bank account number and additional information with the second amount in full the next month. We are very concerned and not sure what we should do next. My son acted on my panic. He is a college student with no money. I feel horrible. Since then, I have seen numerous reports on Email this is a scam company. What can I do?
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CT)

I recently attempted to cancel warranties for several watches purchased at my local Zales store back on or around XXXX of 2014, there are XXXX warranties in total. The watches were sold and no longer in my possession, prorated refunds should be issued. However, Zales reps refuse and state refunds are issued only when item is returned. The items could not be returned as they were purchased a year ago, they were sold and are no longer in my possession. I spoke with a XXXX at their corporate office today, he refused to issue refund and offered a XXXX dollar gift card in exchange, this does not begin to cover what was paid for warranties and was refused.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MO)

On XXXX/XXXX/2016 I was informed by XXXX that CitiBank made a hard inquiry on XXXX/XXXX/2016 to access my credit profile. Unable to receive any detailed information as to the inquiry via several phone conversations with Citibank, i filed a complaint with CFPB. I had not initiated any applications for credit. On XXXX/XXXX/2016, over 60 days later, I receive a letter stating that they are still unable to locate the source of the inquiry that was made. I then supplied them with a copy of the credit file report showing the inquiry in question along with the last four digits of my social. On XXXX/XXXX/2016, I receive a letter stating that on XXXX/XXXX/2016, Citi had received an application for credit in my name that prompted the inquiry and that said application for credit was denied. Citi states they will contact XXXX and modify the inquiry to a non-display inquiry. This does not fulfill what was requested in the original complaint. I have no copy, nor any details, pertaining to the fraudulent application for credit. Citi states that they will notify XXXX, however I request that they notify all XXXX reporting agencies since it appears on all XXXX, not just XXXX. I also request a copy of the credit application and all other details as to the origin of said application.
Consumer complaint received 2016-06-23
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I was sent an email from XXXX XXXX/Citibank for a new credit card with XXXX bous miles after spending {$3000.00} in three months. I exceeded the spending threshold but did not receive the miles. I spoke with Citibank - they claimed that they had no evidence that I signed up for this promotion and refused to grant the miles. They asked for documentation that I was offered this promotion, but I have long since thrown away the envelope. I am frustrated with what seems like fraudulent advertising.
Consumer complaint received 2017-02-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

Reference # XXXX Report XXXX To Dear XXXX, I applied for a Home Depot card over the internet on XX/XX/2017 
I was advised that I needed to call XXXX to complete my application. I did. 

The representative advised me to go into a store and show my identification along with another form of ID like a bank card etc. I went to Home Depot located at XXXX the next day on Friday XXXX. The lady in customer service called customer service over the phone and the person she spoke with told her I needed to have a credit card on my person with at least a year history. I did n't have any credit cards on me at the time only a back card. 

Be advised, I was not told this previously when I called over the phone if so i would have been better prepared and I waited in line to be helped for an hour and barely made it to work on time. 

I went back to the store today Saturday XXXX and met with the same lady in customer service who tried to help me previously. I brought my XXXX card with me that I have had for more than a year ... XXXX she called customer service over the phone and was told the XXXX card does not appear on my credit!!! 

I find this process to be immensely frustrating!! I am a hard working man and I have not done anything wrong but try to apply for a card from what I thought was XXXX of the best appliance companies around, and I am being treated unfairly or treated as if I am a criminal. I am very frugal and do n't have a lot of credit because I mostly made purchases with cash, but my work load has increased from secondary job and buying things flat out can be a little pricey .... besides I noticed they offer a lot of benefits by having a Home Depot charge card. 

I 'm just appalled that I have been treated this way. I also just got home and saw that the XXXX Card is in fact showing on my XXXX Credit Report. I am speechless!!!
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (SC)

I was denied assistance for mortgage relief when I attempted to apply. Citifinancial does not participate in the mortgage relief program that was sponsored by the federal government. My state received funds for mortgage relief through the S.C. help program. I was denied help because citifinancial does not participate. I was also denied adequate deferment. Citifancial was also very rude to me, unprofessional, and uncaring. Other individuals have experienced the same difficulties that I have. Citifinacial wanted to foreclose on me and others for a profit.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XX/XX/2016, request to convert my CitiGold account to a Basic Banking account. This request was acknowledged by Citi and I maintained the minimum {$1500.00} cash in the account for the XXXX Banking account, instead of the {$50000.00} minimum for the CitiGold account. After looking at my account today, I see that they never converted the account to the XXXX Banking account and I have been charged {$30.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A total of {$120.00}. They refused to reverse the fees and said that there were disclosures I needed to accept in the bank messaging system that I needed to approve for them to convert my account. However, I was not notified of this and was under the impression that my account had successfully converted. They acknowledged my request but could not show me their email of disclosures and stated that these messages drop off after 90 days. I requested they convert it to the basic banking account today, but I would like for them to refund me the {$120.00} in fees they took. I was not properly notified of the unsuccessful conversion.
Consumer complaint received 2015-12-04
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (IL)

My Godson, XXXX on XX/XX/XXXX due too mortgage loan servicing abuse by XXXX XXXX and foreclosure abuse by Citibank. He was never served, the process server lied about service, and we have proof. He was only XXXX years old and XXXX in the house he built from his own savings. After his death, his father, an XXXX XXXX Veteran presented XXXX XXXX with his son 's death certificate, and asked XXXX XXXX if he could take over the mortgage because he wanted to keep the house in remembrance of his son. He also wanted to donate the house to a non-profit that house homeless Veterans with families. XXXX XXXX told the Father if he got probate then they would discuss the loan. The father a XXXX citizen Veteran paid {$2500.00} to a probate attorney and received probate, and when the father called the XXXX XXXX, they would not take the call, would not return the call and later the father found out that XXXX XXXX had went into court and had XXXX appearances in front of the court ( without serving the father ) asking to complete the foreclosure. We found a lawyer that told us she went to court and had the foreclosure reverse and that the bank must speak to the father. The problem with this we never found evidence of this hearing, and secondly XXXX XXXX hired another law firm to go back to court to get foreclosure again. Later we found out that the mortgage is really from Citibank. XXXX XXXX in XX/XX/XXXX, the father has had probate since XX/XX/XXXX but has not been able to speak to no one at either bank. Can you help? I read about the consent judgement and this case is a good candidate for settlement to at least XXXX 's Father. Thank you, XXXX at XXXXXXXXXXXX please in subject line put XXXX. We could n't find the loan/mortgage number because it was blacken out with black marker in the legal files. We are guessing its a FHA mortgage.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

Citimortgage approved me for a re financing of our home. They instructed us to make 3 payments at the new lower payment which we did. They also said soon you will receive a package with instructions on how to proceed. When it did n't come I spent entire days, many hours trying to get answers and was often hung up on. Eventually I started taking notes of who I spoke with, the date and time. Eventually a representative instructed me until further notice to stop making any payments so I did against my better judgment. I assumed that because they advised this they acknowledged how messed up their own system was. I eventually found myself in default on my mortgage and nothing but run around tactics from Citimortgage per usual. I hired a lawyer that showed me multiple areas they conducted illegal actions against me and assured me I could not lose my home.I was stressed all the time and wound up developing a XXXX XXXX! I wound up having XXXX and woke up XXXX. Fighting for my life was now my priority. I ended up losing my home and am furious that Citimortgage and their false instruction put me in this situation. I want them to be held responsible for their lies. It caused my family their home! I did n't know about being able to complain or where until now.
Consumer complaint received 2015-10-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: CITIBANK, N.A. (GA)

I requested a two-month forbearance for my private student loan and my request was denied by " the system. '' Citibank was unwilling to consider alternative payment arrangements, despite my recent unemployment and my cosigner being on a medical leave of absence. I have no history of late payments and am not sure how soon I will be able to make a payment.