davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MD)

Some of my credit card issuers are trying to charge a minimum interest of {$2.00} even when my balance is paid in full each billing cycle. Others are charging it in lieu of the actual accrued interest, which is less than {$2.00}. I complained and was told that congress authorized them to steal my money in this way through the credit card reform act. Obviously, this is problematic. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-11-15
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

I have a Citibank MasterCard. I earn " Dividend Dollars '' ( " Cash Rewards '' ) for card usage. 
1 ) My XXXX monthly statement showed a Cash Rewards balance of {$95.00} ) As I did not use the card for sometime, no monthly statements were issued. 
3 ) My XXXX statement showed the balance to be {$49.00} ) I tried to find when and how my money was " eaten up. '' No help. 
5 ) I requested Citi to generate statements for some intermediate months. They did. But, these statements display no information on Cash Rewards balances. 
6 ) I called up a customer service rep. She was very helpful. But she could find no info on the missing money. She filed in a request. But I never got any money back. 
7 ) I told her about my unsuccessful efforts at writing a complaint letter to the customer service via secured email ( a standard feature that my other financial products companies offer ). She said that my account had no such feature ( she acknowledged that this was highly unusual ). 
8 ) Website informs ( please see screenshot ) Cash rewards you 've earned since being a Citi cardmember $ XXXXXXXXCash rewards you 've redeemed since being a Citi cardmember {$330.00} ) Currently, I have a balance of {$50.00}. So, the rest ( XXXX - XXXX - XXXX ) = {$56.00} was " eaten up '' by the bank. No trace! Request for info and efforts to get the money back meet stonewalling. 
10 ) Citibank recently paid fines to the Federal govt for bad practices. They do not seem to have learned their lessons. Cheating customers of their legitimate money seems to be their practice.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

XXXX and XXXX, the current owners of the property known as XXXX, NY XXXX ( " property '' ) hired our firm to represent them in the sale of their house. On or about XX/XX/1984, two mortgages granted by XXXX and XXXX were satisfied following the sale of the property. The property has been sold twice more since XX/XX/1984 and each time a request for satisfactions of mortgage has been attempted to be filed by Citibank and each time, because the seller did not have the XXXX account number nor their authorization to discuss the loan, Citibank would not progress the call to the lien release department, stating that they can not discuss the account. As the account has been satisfied over 20 years ago, our office is not asking for the borrower 's information on any information on the loan but merely asking that satisfactions be filed in the XXXX office as the mortgages granted by the XXXX still show as being " open '' ( see attached lien search ) and the sellers can not sell their house without satisfactions being filed or payoffs to be provided to the title company. As the XXXX can not located prior owners three times removed, they are stuck as the title companies that insured the transactions are no longer in business and they can not locate the owners title policy from when their parents bought the property.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have several times requested a deferment but was told I was not qualified during my unemployment. I 've sent documents regarding my unemployment. When I called, I inquired about an Income Driven Plan and quickly faxed and mailed in my forms. During this XX/XX/XXXX year, I 've accrued late fees and capitalized interest charges since they put me in forbearance while they wait to receive the income driven forms I sent them. I called again in XXXX because I did not receive any letter and checked my account inbox to see if there were any messages regarding the progress of my forms I sent in - none. They tell me they have not received nor have any record of it and to resubmit it which I did on XXXX XXXX, XXXX. It is XXXX XXXX, XXXX and I have not received any answer to the forms I both re-faxed and re-mailed. Even though it 's been difficult without a job and looking for employment, I sent in a small payment because interest is accruing. After I made the payment, I received an email stating the amount of my loan and a XXXX interest payment until XXXX/XXXX/XXXX. " XXXX ''? I am not confident Navient is conducting business properly and I dont trust their system or professionalism. I still dont have an answer or letter of progress and have to continue making calls to them.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened a checking account with Citibank and was offered a XXXX Thank You Point bonus if I met certain requirements as outlined in the offer. I have spoken with XXXX different representatives from Citibank about my missing points and nobody seems to want to help me. I am constantly being ping ponged back and forth between customer service and Thank You customer service. I have spoken to representatives XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The most recent interaction started with a representative talking down to me due to the balance in the account saying how I " am not in the right account '' and unwilling to warm transfer me to the other department. I feel as though Citibank does not want to give me these points, even though I have in writing from them XX/XX/XXXX that I have met all the requirements needed. On at least 3 different occasions I have been told the points would be awarded in the " next statement cycle ''.
Consumer complaint received 2015-11-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY COMPLETING A SHORT SALE TRANSACTION. I HAVE FULFILLED ALL MY OBLIGATIONS IN ORDER TO ACCOMPLISH THIS. CITI MORTGAGE HAS CREATED UNNECESSARY OBSTACLES IN ORDER TO ACCOMPLISH FAILURE. A COMPLETED SHORT SALE PACKAGE WITH A QUALIFIED BUYER WAS SUBMITTED TO CITI MORTGAGE ON XXXX XXXX OF THIS YEAR. CITI DELAYED REVIEW OF THIS PACKAGE FOR A COUPLE OF WEEKS. AFTER THE INITIAL REVIEW, CITI DELAYED PLACING THE FILE IN THE UNDERWRITING DEPARTMENT FOR ANOTHER COUPLE OF WEEKS. THE FILE HAS BEEN WAITING ON UNDERWRITING APPROVAL SINCE XXXX 2015. CITI CLAIMED THAT THE TRANSACTION WAS TAKING TOO LONG - AND IT WAS, BUT CITI CAUSED ALL THE DELAYS - AND SET A SALE DATE FOR XXXX XXXX, 2015. WE HAVE A SALE DATE BECAUSE WE STILL DO NOT HAVE AN UNDERWRITING DECISION, WHICH WAS DELAYED BY CITI MORTGAGE. CITI MORTGAGE ACTION IS CLEARLY UNETHICAL IF NOT UNLAWFUL. MY HOPE IS THAT CFPB WILL ASSIST IN DEMANDING REASONABLE BEHAVIOR AND FINE CITI FOR THEIR INCOMPETENCE.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

BACK IN XXXX XXXX I SCHEDULED A {$27.00} PAYMENT FOR MY XX/XX/XXXX MACY 'S BILL.I FIRST SCHEDULED THE PAYMENT WITH MY CAPITAL ONE MACY 'S E BILL. THEN I CHANGED MY MIND AND SCHEDULED THE PAYMENT WITH MACY 'S ONLINE BILLING .BUT SOMETHING HAPPEN THAT RESULTED IN MACY 'S STEALING MY XXXX XXXX AND CHARGING {$27.00} LATE FEE AND NEVER PROCESSED MY PAYMENT.NOW FAST FORWARD XXXX XXXX AND EVEN THOUGH A NUMBER LATE FEES HAD BEEN CHARGED 2 MY ACCOUNT AND MACY 'S FAILED 2 ADDRESS MY COMPLAINT WITH CFPB DATED XXXX XXXX XXXX EVEN THOUGH THE ACCOUNT WAS IN DISPUTE MACY 'S IGNORE THE DISPUTE & CONTINUE 2 APPLY LATE FEES EVEN THOUGH I WAS NOT LATE WITH THE PAYMENTS.I BELIEVE MACY 'S FAILED 2 INVESTIGATE THE MISSING PAYMENT BECAUSE THEY EITHER STOLE IT OR LOST IT.
Consumer complaint received 2016-02-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB (PA)

I have homeowners insurance through XXXX XXXX. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but XXXX XXXX is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, XXXX XXXX has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???
Consumer complaint received 2015-04-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (NY)

I lived in South Carolina XXXX years ago and had XXXX cable. I paid my final bill and then never heard another word from them. Now, XXXX years later in another state that does n't even offer XXXX, I am getting hounded to pay a debt not only that I do not owe, but they are now reporting this debt on my credit report. I do not know how to make this stop or go away, Enhanced Recovery Services seems to have a habit of buying off bad debts and trying to collect on them. Please, please, please help me resolve this so I can buy the home of my dreams!!
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: RUOFF MORTGAGE (IN)

Told clear to close would be signed off next morning, closing Friday XX/XX/XXXX, closing set, then loan denied abruptly. No further communication. We received a pre-approval in XX/XX/XXXX by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional XXXX for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on XX/XX/XXXX by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On XX/XX/XXXX called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again morning of XX/XX/XXXX would try and get closed that afternoon but would probably be Monday XX/XX/XXXX. At XXXX received call from realtor that they had fired our loan officer, he was told not have further contact with us and manager would take over loan. We were never told any of this by Ruoff Home Mortgage. Obviously, XXXX was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again XX/XX/XXXX and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us.
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Focus Holding Company (NY)

XXXX XXXX is alleging that I owe {$250.00} for a " Previous Balance ''. I have disputed this claim multiple times over the past 3 years but no one will explain to me what the " previous balance '' is from. Focus Management ( the debt collection agency ) removed the debt from my credit after I disputed the debt and then within a few months added the debt again ( this happened three times ). It 's a cycle of harassment. Focus Management refuse to send me a bill that explains what I owe. XXXX XXXX required that I pay {$10.00} per pay statement to obtain a bill from them. It has been a ridiculous cycle. If they can prove that I owe something I will pay it but so far they have not validated the debt.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Exeter Finance, LLC. (NC)

Exeter Financed called several times each day for several weeks looking for someone that is not attached to my phone number. I had asked very nicely several times to stop calling that they were calling a company cell phone. The calls did not stop. I would receive up to 8 calls in one business day. I spoke with a manager on XXXX occasions and the calls have not stopped. They are trying to collect a debt from someone, but will not accept that person is not me.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (UT)

I have had an account with US Bank since 2008. I opened it in conjunction with opening my son 's as he was joining the XXXX. At the time, I intended to add my husband but forgot about it. My husband received a check for {$2200.00} of which he signed and I deposited into my US Bank account. It was to help us catch up on our mortgage payment ( he recently had his paychecks cut in half for 4 weeks ). Not realizing or thinking he was not on the account, I made the deposit via the ATM in time for the automated mortgage payment. When I checked the account the day the mortgage pended on the account, I noticed a hold for the deposited check. I was worried about the mortgage not clearing so I called US Bank 's call center. I was informed that everything was okay. It was just a hold even though I told them it was available early that morning and there may be an issue. I was reassured and so I accepted that. The next morning, I checked the account to my overwhelming frustration, they had reversed the deposit, returned my mortgage check, and charged an overdraft fee. I then called again frantically and asked for the check back or if I could pick it up so that I can get the {$2200.00} ( a big check for us ). I was informed that the check is in the mail and that it is out of their hands and that this is the process. It was my mistake. I emphasized that I called the day before, requested an opportunity to talk with someone that could help, and was reassured it was okay. All that did n't matter and I had to wait for the check. Four days later I received a COPY of the check with a note that it is like the original. How in the world am I going to deposit this to any other financial institution? My husband is a XXXX and would not be in town to get added to the account. Their only solution was for me to deposit in another banks joint account. So, now I am trying to make a deposit that looks really questionable, then I need to get that money and go back to USBank all in time for the mortgage check to clear as they will resubmitted it. Yes, I made a mistake, but I attempted 3 times to resolve from the moment a problem appeared. Now I am let to handle this on my own and they have charged me a fee for it. I am so XXXX
Consumer complaint received 2016-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schreiber Law LLC (MA)

I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP (NJ)

been a customer for years. had a tenant default on a lease and have med ical bills so i paid my bill less XXXX dollars this bank charges XXXX dollar minimum interest which is nuts. it means i will use it minimally. i hate the greed reflected when i am told interest is valid i did not ask that i asked for it back. my business is valid and now can not conitnue. other banks give me money off my bill for loyalty this one wants XXXX dollars of interest despite my good status so i can not use it again. i await the refund. you need to spend mess time with scripts and ore getting to know customers. thank you please do not respond witha script or you already refunded me. i am aware of how itnerest works and your response need not include that explanation. i am now unable to use my card further as my time is better spent getting wealthy than fighting for interest wehich only you make me do. and in turn i can not use the card
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (RI)

I was to receive approximately XXXX- {$110000.00} of debt relief on my existing mortgage with Citifinancial if I agreed to transfer my mortgage through XXXX XXXX XXXX. I began the process of transferring my mortgage to XXXX XXXX XXXX in XXXX of 2015. In order for the new mortgage to be accepted ( it was an FHA loan ), I needed to do some much needed repairs to the house. I began the hard work needed to make the house pass the inspection required by XXXX XXXX and FHA. The repairs consisted of siding the house and installing all new windows throughout the home. I am a school teacher so I do not receive a paycheck throughout the summer months. I have to budget sufficiently throughout the school year so as to have available the necessary funds needed to get through the summer. Unfortunately I had to use those funds to prepare the house. I felt this was a good trade off however because I would be getting the debt relief mentioned above. As time progressed, one thing after another came up causing me to have to take additional steps and slowing down the process. Throughout this time Citifinancial kept sending updated payoff worksheets to myself and XXXX XXXX. All of my creditors were left hanging throughout the summer as there simply was n't any money left to pay them due to the numerous financial issues that needed to be addressed in order to secure the mortgage transfer causing my debt ratio to go down ( which was the need ) but also causing my credit score to plummet as well. My electricity was almost shut off. My car payment was in arrears, as was my cable, phone, insurance, and property taxes. In XXXX of 2015, school was back in session, the paychecks were once again coming in and I started the slow process of using my income to dig out of the hole I was/am in. On XXXX XXXX, 2015, Citifinancial issued a new payoff worksheet that is good through XXXX XXXX, 2015. When my agent from XXXX XXXX XXXX contacted the Citifinancial branch in XXXX, Connecticut to set up a closing date, she was informed by the branch that my mortgage had been transferred to another lending agency on XXXX XXXX, 2015. I did not receive any correspondence from Citifinancial or the new leasing agency XXXX XXXX XXXX prior to the transfer so I had no idea that this was to take place. Had I known of an impending transfer, I would have insisted on a closing date that would have been prior to XXXX XXXX, 2015. If my mortgage had been transferred to XXXX on XXXX XXXX, then why did Citifinancial issue an updated payoff worksheet dated XXXX XXXX, 2015? Now I find myself in a situation where Citifinancial says they ca n't do anything about it because they no longer hold my mortgage, XXXX will not give me the debt reduction that Citifinancial was giving me, my credit score is horrific, and many of my creditors are calling me daily demanding payment from me.
Consumer complaint received 2017-01-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form XXXX balance sheet ( s ), ( d ) Federal Reserve form XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX XXXX-account : XXXX, XXXX XXXX account : XXXX, XXXX XXXX, and XXXX XXXX XXXX-accout:XXXX and they have failed to do so.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (IL)

Basically I 've been keeping an eye on my credit report since I fired XXXX XXXX, however I 've noticed that I have a total of XXXX inquiries on my Experian credit report and I never applied for credit all these times. I was told by a XXXX XXXX Representative that in order to increase my score I had to get more credit and he 'll help me out with that. To sum it up I started receiving credit cards and I assumed it was because my credit was getting better. Long story short I 've seen the inquiries but I assume that that was because they sent me a card. But after reviewing my credit report today on Credit Check Total I had inquiries for things I did n't run my credit for I only applied for XXXX things but I see that I have XXXX inquiries. Here are the inquiries that are n't requested by me : 1. XXXX XX/XX/2017 2.XXXX XXXX 3.XXXX 4.XXXX 5.XXXX XXXX 6.XXXX 7.XXXX