davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

My mortgage company city mortgage would rather foreclose on me then except my monthly payments. I 've been fighting with my mortgage company for two years or more. I believe this is predatory lending and fraud. I went through a modification I signed off on the modification and they still foreclosed on me.
Consumer complaint received 2015-07-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

XXXX years ago we filied chapter XXXX our house was not included, we got a divorce, our son moved in the house, XXXX years ago citifinancial stop receiving a payment, told my daughter in law they was receiving a payment from bankruptcy courtcourt, I told her it was not included in bankruptcy, well XXXX months later, bankruptcy is over, citifinancial is demanding XXXX or they going to foreclosure on the house, citifinancial says no payment has been made in XXXX months, you ca n't talk to XXXX person every time she calls you get a different person and a different story. It 's very frustrating, my ex husband went to see our attorney that did our bankruptcy we had XXXX unsecured loans that we believe they have attached to the house loan and maybe that XXXX in the amount of XXXX unsecured loans. Attorney was no help he wants my ex to file bankruptcy on house.citifinancial says they have till XXXX XXXX to pay XXXX then they will foreclosure on house, they said they do n't have to run it in paper they own it and its there 's, they have been really nasty to my daughter in law about this. I feel someone at citifinancial messed up now trying to get there mistake corrected is the problem.XXXX years into our bankruptcy I got XXXX months behind, citifinancial sent us letter, attorney, and court, they was going to take us back to court have bankruptcy lifted so they can foreclosure on house, I had to pay XXXX payment a month for XXXX months to get caught up, so why did they wait XXXX months, it makes no sense. Citifinancial ca n't answer that question, someone messed up at citifinancial and now we my son might losshis house. Please help us or lead us in the right direction on what to do.
Consumer complaint received 2017-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am having difficulty getting old student loans removed from my credit report. Upon their request I submitted my credit reports from all three agencies showing the age of the accounts. This was done in XX/XX/2016. I received correspondence from their fraud department stating that the loans had been investigated and that they belonged to me. I never disputed the ownership of the loans. I just want these old paid off accounts removed from my credit report. I have since tried to reach them by phone and have been put on hold for 29 minutes at a time and even disconnected from the phone entirely. Please help!
Consumer complaint received 2017-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (MN)

I have a loan through ACS for less than {$1000.00} left as I have overpaid on it each month. I got an email on XX/XX/XXXX stating that they were going to be changing the name to Conduent but stated that there would be no changes to my account. I was able to log in and make my last payment on XX/XX/XXXX. I tried logging into my account MULTIPLE different times all throughout XX/XX/XXXX and XX/XX/XXXX and each time I try to log in to make a payment it says the website is " Temporarily Unavailable. '' I have tried typing in my social security number to try and get my account number to call ACS and the website states, " We are unable to find your social security number on our system. Please check that you entered it correctly. '' I have tried calling all of the numbers that I could find on their website and from XXXX. The numbers I have tried are XXXX, XXXX, XXXX, and XXXX. When I call, the recording only gives two options to move forward ; enter in your nine digit account number or social security number. When entering in my social security number and birthday it states that it does n't recognize it. 
I have no idea how to continue paying off this loan when I ca n't access it. I tried emailing them but in order to email ACS you must have your account number or it wo n't go through, which I do n't have. I checked through all of my previous emails and have never received an account number. I used to get emails from them each month stating when my statement was ready to be viewed and paid and the last statement that I have received is from XX/XX/XXXX, when I was able to make a payment last.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KY)

I have asked Sears/Citi Bank for a long time to remove these late payments. At the end of XXXX they Sears/Citi Bank said I was such a great customer that I did not have to make any payment for the first 3 months of XXXX. As you can see from the prior and post payment history, I was never late paying this credit card. 

So I took advantage of the offer and look what happened? 

Now they ca n't even report it correctly? Every bureau is reporting a totally different and inaccurate payment history. So either remove the fictiticous late payments or remove the entire error ridden account. But do something according to the FCRA & FCBA laws!!!
Consumer complaint received 2017-10-11
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: EQUIFAX, INC. (GA)

Recently I requested that a collection account that was placed on my credit report be removed because it had not been " Validated ''. I requested that Equifax " Validate '' not verify this account and supplied them with the documentation that the company had sent me as validation of the debt. This documentation did not have anything with my signature on it or anything that I requested from them to validate the debt. None the less Equifax responds with they have verified the account. That was n't what I asked them to do again I asked that they validate it. The other issue is that a previous collection agency had place the same debt on my credit file and after requesting that they validate the debt, Equifax removed it and they to only furnished a bill as validation. So now I do n't understand how Equifax ca n't validate on collection agency but can verify the other based off the same information that was submitted to them. Seems to me that Equifax is practicing some illegal and unfair practices based on how they feel at the moment and not based on the laws.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

There is an account with XXXX XXXX XXXX that is now closed. The account was open in XXXX but it says XXXX. The account was supposed to have been removed but keeps appearing. I requested for it to be removed and its still there.
Consumer complaint received 2015-10-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CITIBANK, N.A. (KY)

I had a car loan with Onemain Finance and was buying a new car using XXXX XXXX XXXX XXXX XXXX as the new lender. I called the one main branch where my loan originated and had them provide me with a payoff on XXXX they quoted me {$3600.00} and advised me as long as I paid it off on or before my next due date ( XXXX/XXXX/2015 ) the payoff would be the same. On XXXX XXXX XXXX XXXX XXXX XXXX paid Onemain Finance {$3600.00} and Onemain posted the payment XXXX/XXXX/2015. I thought everything was taken care of and I just needed to wait in my title to my old car that was paid off. I received a bill in XXXX stating I still owed Onemain money. Thinking there must be a mistake I called and they told me that I still owed {$1000.00} and in order to pay the loan off I could pay {$120.00}. I tried to plead my case but the branch was very rude and told me that if I did n't pay the {$120.00} by XXXX/XXXX/2015 then I would be responsible for the {$1000.00}. I 'm an elderly and did not know what to do I 'm on a fixed income and after paying my bills I did not have the funds to make the payment. I gave Onemain permission to speak with my son hoping he could work out a resolution. He called the branch and spoke with the branch manager XXXX XXXX who was again very rude and abusive. She told my son that the payment was not posted in time and had no explanation for why the payoff would change {$120.00} from the time I called or why the payment was not posted sooner. I have done business with Onemain for several years and have always paid them well before my due date and I always paid more than the regular payment. My son ask if they could assist with waiving any fees or helping and she replied that 's not how the do business screaming at him. My son told XXXX that we would be contacting the CFPB to file a complaint and she replied that Onemain is a large company and that one complaint would not make a difference. I am a honest and careful person and treat everyone with respect Onemain 's approach to customer service was the worst I have ever seen and I am still left with no explanation on how or why all this happened.
Consumer complaint received 2015-07-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

On XXXX XXXX, 2015, I was traveling with my wife on XXXX XXXX Flight number XXXX from XXXX to XXXX. The pilot came on the speaker at approximately XXXX CDT and announced that if we applied for an XXXX XXXX Advantage Card, we would receive a sign up bonus of XXXX frequent flyer miles and if we turned the application back into the flight attendant while on board we would receive an additional XXXX frequent flyer miles. Both my wife and I applied and turned our applications into the flight attendant. When the flight attendant brought us the application and we saw it only mentioned XXXX miles in the application, we questioned her to make sure we understood that if we applied, met the other qualifications ( spend {$3000.00} within 90 days ) and were approved and it occurred while on board, we would received a total of XXXX frequent flyer miles. The flight attendant assured us that this was correct. Also the application noted our flight number ( XXXX ) next to our signatures. 
We were both approved and when the literature arrived, describing the card and its benefits, it did not mention any supplemental benefit, i.e., the additional XXXX miles. I immediately called Citibank and spoke to a representative and gave him all of the details. I received a letter on Friday XX/XX/XXXX that said they had investigated my complaint and they advised they could not approve the additional miles. I have covered my damages by buying XXXX miles for {$860.00} today. I observed several other passengers apply the same time I did, so there may as many as XXXX-XXXX other parties affected. They would be easy to find as the application date would be XX/XX/XXXX, XX/XX/XXXX or at most the XX/XX/XXXX.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a promotion through Citigold ( promotion # XXXX ) to receive XXXX bonus XXXX XXXX miles when I opened a new checking account. I was given misinformation about the details of the promotion via chat, and thought that it had been corrected after I received a letter from Citi following up from a previous CFPB complaint ; that letter clearly stated that they had extended the deadline during which I needed to make certain types of transactions for the purposes of the promotion. However, when I followed up to ask why I had n't received the miles, I received a form letter stating that I had n't made the qualifying transactions within the 60 days ( it did not acknowledge the extension ). I contacted Citi again and faxed a copy of the extension letter. I received a virtually identical response from Citi yet again. I just spoke with a manager on the phone who said that she would submit my request again but it was unlikely to change. She was unable to give me specific reasons beyond that letter for why I had been rejected. I believe I met the requirements of the promotion within the extended window of time and that Citi is not honoring its promotion and communications with me. 

I have actually wanted to close my Citibank checking account due to this abysmal customer service, however, I have been waiting until I receive the miles since I need to have an open account to receive them. However, I am being charged $ XXXX/month as the monthly fee for having this checking account! Meanwhile, it generally takes them about two weeks to get back to any of my requests. I would like the fees to be refunded for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as I should have received the miles in XX/XX/XXXX at which point I would have closed the account.
Consumer complaint received 2017-10-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (IL)

Applied for a mortgage from Wells Fargo in XXXX of XXXX on a new construction home. Did not end up building that home, but provided Wells Fargo with a rate lock payment of {$920.00}. Put that payment towards a rate lock for another home, but on XXXX XXXX Wells Fargo - XXXX XXXX informed me that we were denied. I was also told via email that I would receive a complete refund and that it typically takes 30 days for a refund. On XXXX XXXX and XXXX XXXX, XXXX was told via email that refund was still be processed. On XXXX XXXX, I was contacted by XXXX XXXX from Wells Fargo customer service and was told that he would get back to me on XXXX XXXX. I then received another email on XXXX XXXX that I would be contacted on XXXX XXXX. On XXXX XXXX, XXXX, I emailed both XXXX and XXXX explaining that this is unacceptable and that I expected my refund by XXXX XXXX. XXXX XXXX responded that Wells Fargo would contact me on XXXX XXXX. I responded back that this was unacceptable and that I was notifying the CFPB with this situation.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MN)

Hello, I was charged a late fee on my citi credit card on XX/XX/2016 and when I called to reverse the fee about a week and a half later ( and subsequently closed the account ), I was told by the representative that it was removed successfully. I did n't see that reflected on my account on-line so I called them again which I was told that the on-line information wo n't change since the account has been closed. To my surprise, I was charged again with another late fee on XX/XX/2016. After I called the company to resolve this, I was assured again it was resolved and the account will return to XXXX balance the following day. When this did n't happen, I called them again, and this time they told me they are unable to reverse the late fee because they are " valid '' charges. I was also told there is no log of the late fee reversal was successful from their " note '' to prove what I was told before. However, I was not aware of the fact that I need to specifically request to log what the previous representative told me on the " note '' in order for subsequent agent to follow or acknowledge as such information is not provided through my previous calls, online, or through mail communication. I think my credit was hurt because of the fact that the bank provided false information on multiple occasions and push me into worse and worse financial situation via compounding fees that I would n't been in otherwise. The representatives kept telling me it was taking care of but it was never done and since each inquiry requires waiting time, the late fee is accumulating and they changed their story when it is too late. It is the bank 's responsibility to provide consistent and accurate information to its customers as they will be placed in the disadvantage position if they can not trust statement from the agents who are representing the bank.
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (FL)

Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

Equifax I have filed disputes sent Reg Mail and have yet in 6 months time after time to get any information removed or a credit report. have filed several complaints about disputes wrong information. Equifax does not respond nor return any disputes filed. 
Equifax has a lot of wrong information on file that I have proof to back up what Equifax has on file.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (NV)

I recently looked at my credit reports and noticed the following unauthorized hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Ten years ago I was laid from my 25-year job. Since then I have been unable to make payments easily. I already went through all of my 401k to try to keep my place. I just make enough to pay my bills, little else. I had my mortgage and a home equity loan through Citibank. After 10 years, apparently I have to start paying the principle on the home equity loan which I was unaware of. My payment went from about {$300.00} to $ XXXX+. I have continued to make the {$300.00} payment but that 's all. I do not make enough to refinance or get another loan. The payoff on my place is about $ XXXX. When I started to see if I could be considered a " hardship case '', they did a property assessment of $ XXXX. One letter told me they would " suspend Foreclosure proceedings '' while they determined if I could qualify for a loan modification. Three+ months later ( this week ) they denied me. I can never get through to anyone and no one returns my emails. I had to file bankruptcy so my Citibank Mortgage loan was sold to XXXX XXXX/XXXX. They do not give you any information on your statement, and make you wait forever to get through, and then you are transferred to the " Bankruptcy Department ''. But it is very difficult to talk to anyone because my Home Equity Loan is no longer tied to my mortgage loan at the same company. I usually get transferred about 5 times, and then they end up transferring me back to the department I started with! Most of the time, they just answer " No one is available to take your call. Call back later ''. One person I spoke with said I was never in Foreclosure status, so who knows.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX