davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

I opened a Citi Gold Checking account on XXXX XXXX 2016, with Citi 's promotional code XXXX. This promotional code promised receipt of XXXX XXXX XXXX mileage of XXXX points as a bonus after fulfilling stated requirements. I visited the Citibank 's XXXX XXXX branch in XXXX DC. The Citi agent, XXXX XXXX XXXX XXXX assured me that I indeed qualified for this offer and that she made a special note attached to my new account with the promotion code. As part of this offer, I had to use the Citi debit card to make purchases of more than {$1000.00}, and I had to perform at least XXXX bill pays, all within the first two months of account opening. I fulfilled the requirements but there had been no bonus disbursed until XXXX XXXX 2016. Therefore I visited the Citibank 's XXXX XXXX branch again on that day. The agent found the note attached to my account by XXXX XXXX, understood the issue, and filed a dispute for me. The letter said response would be sent between XXXX XXXX and XXXX, but I have n't heard back from Citi so far. I also emailed XXXX XXXX to ask for updates on the dispute on XXXX and XXXX of XXXX, but have n't received response from her as well. I believe Citibank must honor the promise, and be more responsible.
Consumer complaint received 2016-05-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

Additional payments being made were applied to future interest payments not the principal. I made a {$460.00} payment on XXXX/XXXX/XXXX and then {$500.00} payment on XXXX/XXXX/XXXX and then {$500.00} on XXXX/XXXX/XXXX ( ive included payment history information for the last six months below ). When this was noticed I called Navient customer service and they said the interest was being applied " all wrong '' and promised to correct the issue and apply the extra payments I made to the principal. They were supposed to have it complete within 10 business days and mail a letter to confirm what action had been taken. No letter was sent. I called back on XXXX/XXXX/XXXX and they are trying to say the extra payments made went to interest because there were 31 days in that month not 30. Then they said that the 13 day lag in the payment ( XX/XX/XXXX payment made on XX/XX/XXXX ) caused an additional {$500.00} dollars in interest to accrue. We are making all the minimum payments and then some, and they are incorrectly applying payments and telling me {$500.00} dollars additional interest accrues in 13 days? I want them to fix the account and apply the additional payments to principle like I asked and like they said they would a month ago. 

Further, it is impossible to get a detailed printout or statement on the account from the website. We can not provide the special instructions on the website to apply extra money to the principal. I am trying to make payments to have this 25 year curse paid off in 5 and save money in interest. They are trying to take advantage of us for doing so and making it so they get the 25 years of interest in the 5 I 'm going to pay this off. 

Looking through the small print, it says in order for this not to happen we have to mail in a check with a letter each month specifying the action to take. How many people are making extra payments not knowing they are just paying Navient 's interest ahead of time instead of principal. This practice is stealing money from people. 



Date Description Principal Interest Fees Total XXXX/XXXX/XXXX Payment - {$150.00} - {$300.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$270.00} - {$190.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$330.00} - {$160.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment {$0.00} - {$500.00} {$0.00} - {$500.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$96.00} - {$370.00} {$0.00} - {$460.00} XXXX/XXXX/XXXX Payment - {$130.00} - {$330.00} {$0.00} - {$460.00}
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IA)

I had a loan of XXXX in 2007 ... .I could n't afford the payments at the time and had to due a forbearance.mthat initially racked my bill up to over XXXX ... this has been hauntin me for years ... I can not get a loan to buy a house or get a car..please help!
Consumer complaint received 2016-04-15
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

I have been paying off a multiple student loans to XXXX XXXX, now Navient since 2009. I have done my best to make payments on time. This past year I went through a divorce and I became responsible for all of our debt. I struggled with paying the loan and even reached out to them to discuss my options, they basically told me I had none, but to pay. They call repeatedly every day of the week. I receive upwards of XXXX calls in a day ; before XXXX and well after XXXX. They do the same to my co-signer. I have mentioned their tactics to them and how it has become very bothersome to mine and my co-signers daily lives. The response I received was that " I owe them money and they can call as much as they want to collect it. '' I have both a Federal and Non-Federal student loan with them and as hard as I 've tried, I just ca n't keep up with them anymore. 
But, they have been cruel to my plight, showing absolutely no sympathy or constructive solutions to the problem. Instead they continue to harass me with continuous phone calls all hours of the day and it needs to end. 
I am asking for help to make it end.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

Navient/XXXX misallocated my payments, steered me toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. They never mailed me a payment booklet or coupon book so I never knew how much I owed. 
They have been charging me 9 percent interest for almost 20 years. I now owe quadruple what I actually borrowed back in 1995. They do n't even have an accurate account of how much I have paid over 20 years. I get no statement or emails from them. Only harassing phone calls and garnishment of wages even took place before I got laid off. 

What can I do? 
XXXX in Kansas
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Information that I have gotten I have managed to get off the website. I had moved from the address that Navient had. I have been in multiple forbearances and requested an income driven repayment plan which I was denied. I requested this due to my husband being unemployed and I am the sole provider. He has been unemployed for 16 months. These loans hit my credit as " past due '', a total of XXXX of them which killed my credit score that I was trying to rebuild, why could just not one total have been put on there. Since then I have paid off XXXX small loans XXXX & XXXX and set up payments on XXXX, XXXX, XXXX, XXXX and I believe I have forbearance for XXXX & XXXX. Since Navient is involved in this type of lawsuit should they NOT be allowed to report things to the credit bureau. Seems a little unfair. What do I need to do to possibly get this information removed from my credit report? I really am not sure just how bad my loans have been effected due to forbearances that seemed to be the best option since I was denied they income driven payment plan.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ASTA FUNDING INC. (NY)

Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Because I am set up in this reduced interest rate program with Navient, what happened is, as they have been taking payments out of my account and applying it, but I do n't know exactly how its being dispersed to all my loans, and because I 'm set up with auto-pay, I have never had any control over it. I just pay my monthly amount and they are supposed to apply it to my loan amounts accordingly. The website does n't have any detailed situation information and I have never gotten a document. All I know is that I owe XXXX a month and they automatically deduct it from my bank account and apply it to my loan. However, since we set up this payment plan, they have n't been applying enough money towards XXXX of my loans, and too much towards another loan. They have been calling 3-4 times a day during the week and weekends and sometimes late in the evening. I was confused because I had been making payments but because departments do n't seem to communicate very well at Navient, I was left with having to explain the program I was in to then get the response 'oh, yeah you are all caught up with payments, apologies we did n't see that. ' But now I have just discovered that they have n't been applying my payment properly, therefore we got dinged on our reports ( my and my cosigners ) which is really a major score drop. This not being the only quirky thing I have been dealing with, I believe Navient needs to be regulated because they clearly can not handle their customers money.
Consumer complaint received 2017-03-20
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: CL Holdings LLC (CA)

Jefferson Capital is showing up on my credit report. I contacted them and they told me another company ( diversified ) who they outsource has my account and they can not help me. I called the company they stated and reached a settlement of XXXX and something dollars. I paid half and was suppose to call back in 2 weeks and pay the remainder. So I did. Once I spoke to them they told, me they didnt have my account anymore and that it went to a different company which Jefferson capital also outsources and now this new company wants to charge me the full amount which im not even to sure its mine! I paid diversified and I dont even think my money was put towards the money indicated i owed. Why did i pay? Because I was trying to fix my credit and just wanted it to be over
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I can not get my payment low enough to be realistic no matter what type of repayment plan i select. I make just about XXXX a year and when I choose income driven plan they are expecting me to pay ~XXXX a month. This doesnt factor in my other types of loans. After taxes i take home about XXXX a month .. XXXX goes to rent. XXXX to car payment. XXXX to car insurance. Then I have to add in healthcare cost, utilities and just simply being able to FEED myself Ive bene struggling with these loans since I first graduated and no matter what I do they come back with some outrageous number they want me to pay a month that I simply can not afford. Their response to this is to suggest deferment .. which only ends up increasing the loan balance. They 've already wreaked havok on my credit score. I just really do not know what to do.
Consumer complaint received 2017-01-19
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MI)

I applied for a payday loan on XXXX XXXX with big picture loans. After applying I was told I was approved for {$1000.00} with a {$500.00} finance charge. I was not given a truth in lending disclosure until after the transaction was complete where I saw that it was actually {$1000.00} with {$7000.00} in finance charges. My contract says that I have 15 days to be late before any fee is applied and to pay off the initial balance which would only be {$1500.00}. I tried calling big picture loans to extend the payment date to next week to where I would just pay off the entire XXXX and they refused to stop the payment. The contract says that payment can be changed to business days prior. I did stop payment with the bank but was told that if they change their vendor name by even XXXX number that they still may be able to take the payment out, even though I called on the XXXX which was three days prior to the due date on the XXXX and told them that they no longer had permission to debit my account. unfortunately the contract only opens in my online account and can not be saved
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (IL)

I am extremely angry and dumbfounded at the way Citi Mortgage has been handling my case! At first, I was advised I needed to provide all necessary documents to get a review for My City modification and Principal Reduction Program. My home is severely underwater and I was advised by my lender that I do qualify these programs. Now I am getting noticed that my account will not get reviewed because of a court that I was already granted my home back! Please review the letter and evidence of my case because it is so unfair that I am not getting reviewed!
Consumer complaint received 2015-08-04
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (UT)

I believe I am late on a payment with Home Depot - handled through Citi. So, about 35 days delinquent. I was called twice yesterday ( XXXX/XXXX/2015 ) and today ( XXXX/XXXX/2015 ) already 4 times on my mobile ( XXXX XXXX ) Call from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXCall from ( XXXX ) XXXX XXXXThis is excessive and abusive to call so much in one day. not once was a message left. i did not give them permission to call my mobile number.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NY)

All through XXXX I received robocalls from a female robot urging me to contact Citibank about an " urgent '' problem with my Home Depot account. I do not have a Home Depot account. I called XXXX XXXX XXXX XXXX a Citibank customer service number. I spoke with XXXX -- # XXXX -- very kind woman who spoke to a few people in " escalation '' to find out why I was being called. She confirmed that I did not have a Home Depot account -- there was nothing in the system attached to my phone number ( which IS on the Do Not Call Registry ) or my SS #. Citibank could not explain why I had been receiving these unpleasant, harassing " URGENT '' calls about my credit! I was on hold for approx 20 minutes -- and it occurred to me that Citibank employees were being PAID to take my call, but I was not being paid for the time it was taking me to find out why Citibank was robocalling me in error. So I decided to report this to the FTC. It is not acceptable that Citibank is free to robocall consumers. Citibank should be required to have a human being VERIFY that a phone number in their delinquent database belongs to an actual delinquent account. I then spoke with XXXX 's supervisor -- XXXX -- XXXX, who said there was nothing Citibank could do to compensate me for my time or the upset of receiving these calls. All he could do was apologize. I just do n't think that 's a good enough response. I look forward to your thoughts. The {$180.00} I am claiming as a loss reflects the value of my time spent on the phone with Citibank and to type up this complaint. Tack on some more for emotional distress. Thank you!
Consumer complaint received 2016-08-18
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: CITIBANK, N.A. (RI)

I received a {$60.00} prepaid card as a rebate for a set of XXXX tires, which I had misplaced for a time. When I found it, it appears to have expired within the last couple of months. I called the issuer to request they re-issue the card ( I had not used any of the stored value ), but they refused. While I understand the concept of expiriation dates, I feel the company should have reissued the card as the date only around 6 months from issue and had only recently expired.
Consumer complaint received 2015-12-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.
Consumer complaint received 2016-07-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (FL)

I have recently received an alert from XXXX, identity theft protection, informed me that I was late on a payment for a credit card. After calling XXXX, they informed me that the account related to that matter was with City Bank. Quite a surprise to hear since I never opened a credit card or an account with City Bank. 
I was advised by one of City Bank supervisor, after a two hours on the phone, to send a fax to CBR Dispute. 
After a few weeks, I did received a letter from City Bank, asking for a copy of the credit report and my XXXX digit credit card number. AGAIN, I never opened an account or credit card myself with your company, therefore I m not able to send you those numbers since I do not have any card in my possession.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NM)

XX/XX/2004 my total student loans were approximately {$30000.00} total, for some technical training and XXXX school. I was able to consolidate them into XXXX loans with XXXX XXXX, which became Navient. I went through a few periods of unemployment over the years and was NEVER counseled that there were income based payment options. As a result, due to deferrments and forbearances, yet paying consistently at all times when I have been able to do so, my total loan amount 13 years later is now closed to {$50000.00}. I would have been more than willing to pay off these loans of that were possible. I 'm certain I 've paid enough to cover the original principal amounts, but with the way interest is compound, payoff is impossible. I will be XXXX years old this year. I work at XXXX, which might as well be referred to as a fixed income - no raises, higher cost for benefits and so on. I struggle with XXXX, and have for decades. Between my illness, this debt, economic issues and the lack of service from XXXX XXXX / Navient I continue to live paycheck to paycheck. Enough already.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (UT)

My daughter got a student loan through XXXX XXXX ( we cosigned ) for a training program and we had been paying on it regularly until we were forced to file bankruptcy in XXXX. We knew federal student loans werent dischargeable and expected to resume payments after the bankruptcy. When we emerged from chapter XXXX in XXXX of this year, we suddenly started receiving bills from Navient on the balance, along with a bill for the {$1200.00} in interest they had put on my loan during the time I wasnt even able to make payments. I had taken my loan out through XXXX XXXX, not Navient, so I requested loan documents to verify the loan was mine. They began to call and give me a hard time and them finally got loan documents to me three months later. Im familiar with enough scams that I dont just start paying people who call me who I dont know and demand payment. By the time I received verification, three months had passed and they began harassing me for the loan payment, which had increased, along with the payments in arrears because they took so long to verify the loan was mine. They then sent me letters offering to work with me to help me pay the loan, but then denied me every option. They declined an interest reduction, extending the loan to lower the payments, and a couple of others. They claimed that the loan was due by XXXX XXXX and they couldnt ( more like wouldnt ) extend it. I have now received a 30 and 60 day notice on my credit and they keep threatening me with default if I dont pay up. I am XXXX and have a variable monthly income. I explained this to them and they dont care and simply demand payment. I dont wish to default but they may leave me no option. Additionally, when they call, they demand my birth date and social security number to " verify '' I am who I say I am. I always decline and remind them that only an idiot would give out information a scammer would want when some stranger calls on the phone. They usually get XXXX and hang up. I also have an app on my phone that allows me to record phone calls. Twice now I have informed them at the beginning of the call that I will be recording the call, and they have become very irate, demanding I dont record. I find this amusing since they inform callers they record calls on their end for quality assurance. I 'm not sure why they would care if I record the call unless they wanted to edit the calls themselves. Seems sketchy. They also use a random number generator that gives a random location and number every time they call. Thats a scammer tactic. I 'd like to resolve this and not further damage my credit, but they are intransigent. If you can help I would be grateful.