davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

My loans ( subsidized and unsubsidized XXXX XXXX ) have been consolidated since XXXX XXXX, XXXX. My servicer is Navient. I have called them several times over the years to make sure the payment plan would qualify for PSLF after 10 years and 120 consecutive on-time payments. I received my third confirmation yesterday XXXX/XXXX/XXXX from XXXX at Navient. After researching more and calling XXXX I was told that my payment plan of Standard Extended 30 years does not qualify. That I would need to change my plan. I have been working XXXX with the hopes of utilizing this great benefit. However, now I am being told that I need to change my plan and start the process all over again and restart my ticker to count towards 10 years. I started and pursued my career as an XXXX with the hopes of using this program. I have had three separate conversations with Navient and all confirming that I was on the " right plan ''. There needs to be clarity and resolution for their actions. I have been misguided even though I have done my due diligence as the borrower. Navient should be held responsible and accountability taken on upon them. Now, I am in a situation where I will need to restart this process. Guidance and resolution is what I seek for this misfortunate situation. As a borrower, calling your servicer is critical, but there is only so much one can do but trust them when they have confirmed time and time again that I am on the right path.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Loan interest percentage rate increased during in-school repayment term because I was dis-enrolled in autopayment ( due to no payment needed during school enrollment ). I 'm still paying interest and principle payments but my interest rate has increased dramatically because I do n't have the option of being auto-debited for some of my loans.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Navient is attempting to extort me with a very XXXX conduct regarding claiming that I owe a debt to them that I have NEVER signed ANY agreement, or documentation for with them, and they are also, In violation of the F.C.R.A. Nor can they provide ANY document that I signed with their organization in addition to not knowing who they are. I have NEVER had any private student loan whatsoever from them, or with this organization!
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

Was given a deferment to avoid default and one of the XXXX loans was sent to Poineer credit recovery defaulted after being told everything was fine. Now I am being charged 2 % per day in interest equaling 936 % per year.
Consumer complaint received 2015-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I am having continuous problems with XXXX/Navient. I am paying off XXXX loans ( XXXX which is only {$2000.00} ) since 2008. I have no problem paying my loan but it is clear that my payments are only going towards the interest and not towards the balance. I applied to a Rate Reduction Program and agreed for Navient to automatically deduct funds from my bank account if I was accepted into this program. After about two months I was told that I was not accepted to the program but they continue, even to this day, to take money out of my account every month for the same amount as the Rate Reduction Program. My mother is a co-signor on this account and is XXXX without work. They continuously call my mom harassing her and now are threatening to report me to the credit bureau if I do not pay an additional {$350.00} on top of the monthly payments that I am making. The representatives are rude, nasty and condescending. They switch me to a different department with each call and refuse to address my concerns. XXXX XXXX is the prime reason why people who attended will not have kids or purchase a new home. The government is avoiding this snowball problem which will have a vast affect on the economy in the near future.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (DE)

Due to the limited response to information in response to a complaint filed by me in regards to XXXX XXXX, I realize that I need to identify misleading and deceitful information on behalf of Navient as well. Both companies have provided contradictory information between one another 's customer service representatives and within their own companies. The emotion strain piled on the financial strain has caused such stress on my marriage that trial separation has happened. With detriment to my credit and amassed debt, it hindered my ability to purchase a home with my husband, who has no debt from student loans, and has limited my ability to enhance my professional career through further education. As an educator of students primarily from low income homes, I find it disheartening and deceitful for me to encourage them to further their educational journey, knowing the trauma it has caused in my life. Anxiety caused by the drama experienced when working with these companies and the time consumed in attempting to get results ( accurate or consistent I nformation is all I hope for, guidance seems impossible ) has caused grief for all myself and my family.
Consumer complaint received 2015-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.
Consumer complaint received 2016-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

MY ORIGINAL LOANS WERE TAKEN OUT THROUGH XXXX. XXXX XXXX WAS TAKING CARE OF THE LOANS. XXXX XXXX FORWARD THE LOANS OVER TO AES IN WHICH A PAYMENT ARRANGEMENT WAS SET UP AND PAYMENT IS TAKEN OUT OF MY BANK ACCT EACH MONTH. Then I started getting calls from Navient Solutions Inc XXXX XXXX XXXX XXXX PA XXXX XXXX who stated they are now XXXX XXXX and they are taking care of the loans. I tried to explain to them that they forwarded XXXX of my student loans over to XXXX XXXX OHIO XXXX XXXX XXXX XXXX OH XXXX XXXX and they have me on a payment plan since 2013. Navient Solutions Inc is calling me for payment on the same loans they forwarded over to XXXX of OHIO. I tried to explain to them that i am being build by XXXX companies for the same loans. I also inform them that XXXX OF Ohio have Navient Solutions Inc as their client. Navient continue to say they have no way to verify that information and that they do not use and never heard of XXXX of Ohio. 
XXXX of OHIO acct # XXXX NAVIENT acct # XXXX " XXXX ' XXXX ' XXXX ' XXXX ' XXXX ' XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

I have not been able to lower my monthly payments or remove my co-signer from one of my loans. My private loan is serviced my Navient but I also have Federal loans with XXXX XXXX. I am struggling to make ends meet and this debt is overwhelming. 
Please help. 
XXXX XXXX XXXX
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (IL)

Ive pulled my credit report & noticed a few unauthorized hard inquiries on my credit profile that wasnt to my knowledge nor do I have any business with these companies nor did I give any consent to these companies to run my credit. My assumption is someone had gotten my personal information and tried to apply for something against my consent & knowledge. The INQUIRIES IM REFERRING TO IS : Company : Date of Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. SYNCB XXXX ( I contacted these companies and they werent able to verify my information nor did they even have my information in their system and recommended me to contact the credit bureaus to remove these inquiries but as I contacted the credit bureaus they claimed that I need to file a police report to get the inquiries removed which I did and I do have the police report number if requested ( will be included in attachments )
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (ID)

We disputed charge of {$490.00} to Citibank on Merchant " XXXX XXXX XXXX '' for charge date of XXXX/XXXX/16. We mailed Citibank cover letter along with all prior documentation and providing detailed info on why we did not get the service they billed us for. Today we rec 'd letter from Citibank indicating investigation completed and they have no recourse with the merchant for this type of dispute. Citibank said they determined that the service for which we were billed was provided. They att 'd copy of old correspondence and billing from the merchant but gave no acknowledgement that they received any of our dispute correspondence where we gave specifics on not getting the service. I will provide you with all prior correspondence by attachment ( hopefully the prompt for this comes up later ) We have tried to contact Citibank to talk with someone but it is impossible because we do n't have phone # nor a contact person nor will they give me this information, even on the letters they send. I might point out that Citibank took over this dispute from XXXX XXXX as Citibank took over XXXX from costco. We have tried talking with the merchant, XXXX XXXX XXXX, but we can not understand anyone that has called us. Very heavy thick accents. We 're senior citizens and have a very difficult time understanding them. We ca n't even find out if XXXX or Citibank forwarded a copy of our dispute letter to the merchant. We sent the dispute letter to the bank as they were the ones that requested our documentation.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I sent a letter to Macys ( Citibank ) requesting they provide me with evidence, bearing my signature, that i ever had a contractual obligation with them. they did not follow the FCRA 623 ( a ) and FDCPA 807, in which they should have placed a dispute on my credit reports within 30 days and supply me with documents bearing my signature. I have made several attempts requesting this information. They also disputed any other accounts i have with them and placed " updated '' information on my credit reports about accounts i was not requesting information about.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

Home was sold.. citi mortgage was my lender.. was trying to do a new loan modification. After wife had gotten hurt 2 years ago ... have had XXXX different representative since XXXX of last year. Felt like I was getting a complete run around with them.. never called on times that I had available.
Consumer complaint received 2016-10-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

CITIBANK CREDIT CARD FAILED TO FOLLOW SERVICEMEMBER CIVIL RELIEF ACT 50 U.S.C. CH50 3937. Maximum rate of interest on debts incurred before military service ( a ) Interest rate limitation ( 1 ) Limitation to 6 percent An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a servicemember, or the servicemember and the servicemember 's spouse jointly, before the servicemember enters military service shall not bear interest at a rate in excess of 6 percent -- ( A ) during the period of military service and one year thereafter, in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage ; or ( B ) during the period of military service, in the case of any other obligation or liability. 
( 2 ) Forgiveness of interest in excess of 6 percent Interest at a rate in excess of 6 percent per year that would otherwise be incurred but for the prohibition in paragraph ( 1 ) is forgiven. 
( 3 ) Prevention of acceleration of principal The amount of any periodic payment due from a servicemember under the terms of the instrument that created an obligation or liability covered by this section shall be reduced by the amount of the interest forgiven under paragraph ( 2 ) that is allocable to the period for which such payment is made. 
( b ) Implementation of limitation ( 1 ) Written notice to creditor In order for an obligation or liability of a servicemember to be subject to the interest rate limitation in subsection ( a ), the servicemember shall provide to the creditor written notice and a copy of the military orders calling the servicemember to military service and any orders further extending military service, not later than 180 days after the date of the servicemember 's termination or release from military service. 
( 2 ) Limitation effective as of date of order to active duty Upon receipt of written notice and a copy of orders calling a servicemember to military service, the creditor shall treat the debt in accordance with subsection ( a ), effective as of the date on which the servicemember is called to military service. 
( c ) Creditor protection A court may grant a creditor relief from the limitations of this section if, in the opinion of the court, the ability of the servicemember to pay interest upon the obligation or liability at a rate in excess of 6 percent per year is not materially affected by reason of the servicemember 's military service. 
( d ) Definitions In this section : ( 1 ) Interest The term " interest '' includes service charges, renewal charges, fees, or any other charges ( except bona fide insurance ) with respect to an obligation or liability. 
( 2 ) Obligation or liability The term " obligation or liability '' includes an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a mortgage. 
( e ) Penalty Whoever knowingly violates subsection ( a ) shall be fined as provided in title 18, imprisoned for not more than one year, or both.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WA)

Without notice or prior warning, Citi closed my credit card account. I had no balance and was a faithful customer for over 15 years. Upon learning this I called the morning of XXXX XXXX to dispute this decision. I asked to speak to a manager and was notified I would receive a call within 24 hours, perhaps the same day. More than a week later, I 've heard from nobody. Poor service and treatment of customers.
Consumer complaint received 2015-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

I have a mortgage with CitiMortgage. They went up on my mortgage to the point that it was almost impossible to pay. I asked for a loan modification and they asked me to stop making my payments for 90 days. I did everything that they asked me to do. while I was doing what they asked they were behind my back the whole while trying to foreclose on my home. This has been going on for a while. They continued to ask me to send them the same papers over and over again. I send them the papers and the process just goes on and on with the same results. This is a conspiracy. PLEASE HLEP ME!! They are stealing my home from me. Many of my payments were not reported and Escrow money was stolen
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

My credit card last month stopped earning it 's promised XXXX earning bonus on restaurants. I filed a complaint with Citi about it and was told 'a notice came telling you it was changing '. The fact is, that is not true. I was never notified of any changes to my card. In fact, I just looked online And there are no notices on any statements or records of other documents sent to me.
Consumer complaint received 2016-12-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

Ever since XX/XX/XXXX I have been in a malicious dispute with Citimortgage with this alleged mortgage account # XXXX. I must reiterate I SHOULD HAVE NEVER RECEIVED A HAMP LOAN MODIFICATION. Citimortgage has refused to listen to me over these several years, when I have told them my adult daughter who is currently receiving XXXX for her XXXX is not fully capable to understand the documents she is signing. Example loan modifications etc. Citimortgage has continued ignored me and has informed if she does not sign I will be denied. This is not right but I am forced to do so regardless of the circumstances. I even said they can have a property for which they are not entitled to if I have to continually be at odds with Citimortgage to understand my adult daughters XXXX. 

Citimortgages Fraud Department said in a letter addressed to me that I " Reaffirmed '' this alleged mortgage in my chapter 7 bankruptcy in XXXX I would like to know WHAT REAFFIRMATION AGREEMENT did I allegedly sign in XXXX and WHERE did they obtain this information about this " Reaffirmation ''. 
Now they have accused me for filing a fraudulent claim of forgery this is not true. If I do not know anything else ..the one thing I do know is how to spell my name. Citimortgage has accused me of falsely filing claims against Them in an " attempt to eliminate a debt '' but they can not even address the Pennsylvania State Attorney Generals letters to them in an effort to address this matter. ( case file XXXX ). They would rather send an ACT 91 notice than to address or ascertain if there was any issues. In XX/XX/XXXX I received a letter of being transferred yet again to XXXX, it appears Citimortgage is " attempting to eliminate answering questions based upon their actions. 
Citimortgage has misconstrued my intentions in trying to obtain the best possible outcome for all concerned parties. FANNIE MAE, This writer and Citimortgage
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

I am an Identity Theft Victim. My original FTC document was XXXX to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX XXXX that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a Citigold checking account with Citi Bank using a promotional code for XXXX XXXX XXXX miles. I then opened the account and completed the requirements for the promotion. Citi confirmed multiple times in writing that I was eligible for the promotion, that I had met the requirements and would receive the XXXX miles by XXXX/XXXX/16. After not receiving the miles by the specified date I contacted Citi and was told that I fact was never eligible for the promotion.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (CA)

I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.