davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I co-signed student loans for my Daughter, XXXX XXXX XX/XX/XXXX, who works for XX/XX/XXXX. XX/XX/XXXX I became aware XXXX was behind on her payments. Therefore, made the arrangements to guarantee payments would be caught up and always on time on all XXXX loans. As of today we have upheld our end. However and incredibly XXXX of the XXXX loans through Navient ( Loan # XXXX ) continues to report as a charge-off.Eventhough, the minimum monthly payments have all been made to this date and continue to be made. Somehow Navient made an error by not including this particular loan and reported it as a charge-off after our agreement. 
Further, each month a monthly payment is made Navient reports this update making it seem as this charge-off just happen further decreasing my credit. This is the only charge off on my credit report and has ruined my credit. 
Damages include : health insurance increased by {$40.00} a month Auto insurance increased by {$120.00} a month I have been denied credit 4 times in last 6 months Auto loan interest increased on recent van purchase. 
I have disputed this with the credit bureaus twice and Navient confirmed the chart-off status. 
I have contacted Navient at least 4 times, spent hours on the phone, literally pleading with them to to the right thing. 
Navient confirmed payments have been made but say that once an account has been Charged-off there is nothing they can do. This entire ordeal is unbelievable and I am amazed at how little fear there is of federal policy. I informed Navient I would file a lawsuit an they literally do not care. Please listen to the taped conversation I had today XX/XX/XXXXat approx. XXXX. I made sure to confirm the call was being taped and after informed the representative ( XXXX ), the secure this tape for future litigation.
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I am the co-signer with students loans serviced by Navient. They have consistently applied the money to the wrong account and then charged me a late fee. I decided to end this by having them automatically deduct the money form my bank account. Yet each month they delay the start date, so I have to send a check, which they again apply to the wrong account.
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX in the mid to late XXXX 's. Was told they would be easy to pay off, and if i ever needed job help they would be there to help me. Here we are XXXX years later still paying on my loans. I am really XXXX that I have probably paid off my loan XXXX times over in just interest. I was told by XXXX that my loan would n't effect my credit but it did make it hard to buy my first house. After i graduated they sent me on XXXX job interviews, XXXX for a company that wanted me to do sales and other that looked like fun but it was graveyard only. I finally found a job on my own. I was laid off and when I went back to XXXX to get help finding a job, I was told that only current graduating students where being helped ever.
Consumer complaint received 2016-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

XXXX XXXX took out a student loan without my knowledge or permission in XXXX. She was living in my house and had access to all of my personal information and email. I was n't even in the same state as her when the account was opened. I was living and working in CA and staying at the XXXX XXXX. I 'm still not sure why Navient did n't contact me asking if I approved this loan. They even had my contact number. Once I discovered the loan I contacted Navient have followed everything they asked for. I never received any communication between when the loan was opened. Once i received the first bill 2 years later I called to try and have it removed. I have since tried to contact them and cant reach anyone in the fraud department. I received a letter saying they were no longer investigating the claim but have n't told me why. When i originally called they told me the loan was in deferment until XXXX. I received a bill yesterday asking for payment in XXXX XXXX. I shouldnt have to pay anything and this loan should be removed as I was never notified of the loan or signed any documents. They have yet to even provide me with application or any correspondence sent.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I have been enrolled back at XXXX XXXX University in the XX/XX/XXXX. Recently, i have been harassed by Navient for the last month. I have faxed in paperwork providing them with everything they needed. And yet I am still getting phone calls for payments. Furthermore, Navient is now reporting to the credit bureaus that I am late. At this point, Navient needs to get their act together to avoid me taking further action. I have been enrolled the entire time and my deferment should be valid with my planned graduation date being the XX/XX/XXXX.
Consumer complaint received 2015-05-29
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Citibank cleared a trust check that I deposited at a Citibank ATM. The check was from a certain trust account and was made out to the trust and also my name. Around XXXX weeks later I received another trust check exactly like the XXXX XXXX and deposited it into my account thru the ATM. This time the check was returned. To cover the debit of this returned deposit and to insure none of my outstanding checks bounced I had to take a cash advance from my credit card. The fees and interest charges were huge. While Citibank acknowledged they made a mistake in accepting the very XXXX check ( which because they did I deposited the XXXX XXXX in exactly the same way ), they refused to reimburse the total fees and charges incurred instead somehow never explained to me they paid approx. XXXX of the fees. And this took over XXXX months to accomplish.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

I opened my CitiGold checking account at the end of XXXX XXXX. I signed up for it because I was lured in with a bonus promotion that promised XXXX XXXX XXXX miles would be credited to my AAdvantage account that was linked with my Citi XXXX XXXX credit card. To receive the bonus, I was supposed to use the bill pay feature in two different months and I was supposed to spend {$1000.00} on the debit car within three months of account opening. After I completed these requirements, I asked Citi customer support when I could expect to receive the promised airline miles. I received a response that contained this : " After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX promotion offer. The promotion states that you will receive the miles within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements in the month of XXXX and the 90 days began on XXXX/XXXX/XXXX. You can receive the miles no later than end of XXXX. There is a certain processing time for XXXX XXXX to credit the miles to your account. If you do not receive the miles, please contact Citibank and we will submit an investigation to the missing miles on your behalf. " In this message I was told I would receive the miles at the end of XXXX. Also in the same message was this : " Please be advised that the Citigold account has a $ XXXX monthly service fee if you do not meet the {$50000.00} average balance requirements. The {$30.00} fee appears on the first business day of the month. If you see a {$30.00} fee, this will be the monthly service fee for the Citigold account. '' No problem, I thought, I am happy with the account so far I will just keep paying the monthly maintenance fee. 
Anyways, the end of XXXX came and passed an I still had not received any airline miles from the CitiGold promotion that I was enrolled in. No problem, I thought, I will just send a message to customer service to see what the hold up was. I received a response that contained this : " I regret any confusion and inconvenience this has caused. Our promotion offers are available by invitation to specific targeted clients to an email listed on your account and/or letter sent by mail from Citibank. 

I understand you received secured message XXXX/XXXX/XXXX and XXXX/XXXX/XXXX with promotion attachment and promotion requirements. However, this is not a guarantee of eligibility of promotion incentives. In review of your eligibility, an invitation for this promotion was not targeted. I will have our Marketing management team re-review your account and promotion eligibility and send you a response by secured message. " As you can read from this message, Citi has back stepped from what I was previously told. Apparently, I am not the only person this has happened to.
Consumer complaint received 2016-09-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (DE)

Upon looking into my credit report I discovered I had a debt for Home Depot " THD/CBNA '' with a debt of {$370.00} from XX/XX/2005 and I still have the account and my account is up to date.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (AL)

- I am being pursued by U S Bank for fraudulent credit card charges - I reported the credit card charges to both the police and U S Bank as fraudulent - U S Bank will not stop calling or threatening me even though I have asked them to stop - On XXXX/XXXX/16 I filed a complaint with the CFPB - On XXXX/XXXX/16 I received a call from XXXX XXXX in the U S Bank Fraud Department XXXX XXXX XXXX ). XXXX told me that all CFPB complaints are sent directly to the president of U S Bank and that the bank president had contacted XXXX regarding the complaint. 
- On XXXX/XXXX/16 at XXXX I received another harassing phone call from the U S Bank collection department XXXX I explained the fraud issue to the collector XXXX XXXX XXXX ; directed him to XXXX in the fraud department ; asked him to stop calling me ; reminded him of my rights under the consumer protection laws. All that XXXX would say is that I needed to fill out a form if I wanted the bank to stop calling me. 
- This is the XXXX such phone call I have received from the bank since XXXX/XXXX/16. I have explained the fraud issue each time. Several times I was placed on hold while my call was transferred to the fraud department for further handling but, each time, after an extended hold period, I was disconnected. 
- I have provided the bank with a standard fraud affidavit ; a copy of the police report ; and all details that I have with respect to the fraud ( in writing ). The fraud was perpetrated by my ex-husband and I even provided U S Bank with his name address and phone number. 
- The bank failed to perform adequate due diligence to confirm the identity of the applicant. Consequently, the bank opened an account based on false information and is now faced with the consequences of their failure to know their customer. 
- The bank 's failure to adequately vet an application for credit or follow industry " know your customer '' due diligence does not entitle them to pursue me, the victim, for debt I did not request, create or even have knowledge of until a few weeks ago.
Consumer complaint received 2016-12-11
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NM)

XXXX froze my heloc because they devalued my property i have since paid down both my first mortgage and second mortgage by over 50 %. they want me to order and pay for an appraisal which i am not going to do. when the froze my line they instructed me my home dropped in value to XXXX which is XXXX. but i will accept that value since i have paid down my mortgage by over 50 % i am not paying for an appraisal
Consumer complaint received 2016-12-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I am a Citibank customer and I had signed up for an offer to transfer a certain amount of money ( that is new to bank ) between XXXX XXXX 2016 and XXXX XXXX 2016 and maintain that balance through 3 statement periods after that ( XXXX XXXX 2016 in my case ). The offer was that Citibank would pay bonus interest of certain dollars to my account if I satisfied all the criteria ( within 90 days of end of statement period when I qualified for the offer ) - so they had time until end of XXXX 2016 statement period to pay me the promotional interest. 

I received confirmation from Citibank that I have satisfied all the requirements and was eligible for the bonus. But in spite of repeated follow-ups, I keep getting a response that they are investigating as to why I did not get the bonus - but no action has been taken.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (OH)

Citibank has been receiving checks for my credit card account, cashing them, and not applying them to my account. There was a monthly payment being sent to my credit card account through E-Bill from a XXXX XXXX XXXX. These payments were sent on the following dates. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of these dates, only the XX/XX/XXXX and XX/XX/XXXX payments appeared on my account. I did n't realize the payments were missing until I stopped auto paying my account and received a missed payment fee due to the XX/XX/XXXX payment not being applied to my account. In total, 5 payments were missing, and a sixth payment ( XX/XX/XXXX ) was returned. 

Once I contacted CITI, they located the payments, and applied 4 of the 5 to my account. I called again for the 5th, and was told it was applied to the account. The fifth payment was not applied to the account, and I was not reimbursed properly for the interest fees. 

In the time were Citi cashed these checks without applying them to my account, I was paying more than necessary on my bill, and thereby not getting accurate interest in my personal checking account. Additionally, because they did not back date my payments once crediting my account, I was not properly reimbursed the interest I was charged from XX/XX/XXXX onward. I 've had to reach out to Citi Bank multiple times to get this resolved, and this has still not been resolved properly. 

I would like to know what happened to my payments in this time period, why they were cashed by Citi and not returned when they could not find the correct account to credit the payments to, and if they were cashed by Citi, why they did not investigate the payments and credit my accounts until I contacted them multiple times. I also do n't understand how Citi was able to locate the correct account for 2 of the payments, but not payments occurring prior to, in between, and after those check dates. 

I 'd also like the interest I am owed to be calculated and returned to my account, along with the last payment of XXXX dollars missing from this account.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

Around XXXX of XXXX, I opened a XXXX checking account with Citibank. The reason why I opened the account was because they were running a promotion for new customers who opened an account. The promo was for XXXX XXXX XXXX miles if you opened a checking account and met the requirements. The requirements were to : 1. Use the debit card associated with the account for {$1000.00} or more. and 2. Do at least one bill payment on the account for two consecutive months.I opened the account, verified with the representative that the offer would apply to my account and she confirmed it was applied. I fulfilled the requirements and messaged Citibank securely to confirm I met the requirements. I received a response confirming I met the requirements and to wait 90 days after the month I had met the requirements. They gave me a date of XXXX/XXXX/XXXX as the latest day the points would post. 

I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (TX)

I have been misled by the representatives of M & T Bank and I can not understand the poor treatment I have received during the servicing of my mortgage loan. I have lived in my home since XX/XX/XXXX, and I 'm an active member of the community ( I volunteer with my church and with my son 's school ). But I am in jeopardy of being forced out of my house through foreclosure because M & T Bank refuses to work out a reasonable solution. 

This property has had its issues since I purchased it. The appraisal and inspections failed to inform me of the XXXX unit being old ( I had to immediately replace it ) and of the foundation issues I had to repair. But this is my home!!! I worked hard to get this home and I want to keep it. 

In XX/XX/XXXX, I lost my job as a XXXX since XXXX forced them out of business. I struggled by using my savings until I could n't anymore and fell behind on my mortgage. After back and forth trying to get help, the lender offered me a forbearance agreement that I complied with. Eventually I got another managerial job and applied for a modification, but all M & T offered me was an unrealistic and irrational proposal which only dropped my payment by $ 100/month, which was n't going to help me. 

Their entire operation operates like a group of bullies and thugs, not businessmen. While trying work with them on a solution to this problem, the representative ( XXXX I believe ) told me I should just " put it up '' ( meaning put my house up for sale!!! ). She knew I was n't going to get the help I needed to save my home!!! 

I want their office to take a hard look at the servicing history of my loan and the possible retention options so I can get back on track with my mortgage. Is n't that what they are obligated to do after taking my tax dollars to bail their business out? I 'm not asking for a handout, just a fair and reasonable solution that allows me to keep my home. 

M & T Bank has turned my life upside down with their deceptive, unethical, and probably illegal activities. I am very kind, but also tough and resourceful. I am left with no choice but to engage elected officials and regulatory agencies to help me against this lender. I would have preferred to deal with them directly, but they have proven that their organization just another greedy company interested in profits without care for the well-being of their clients. I would appreciate any assistance in resolving this matter.
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.