davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

Citi closed my credit card account on XXXX XXXX, per their business decision. I understand that Citi has the right to terminate the account per a multitude of reasons - and it was their business decision to do so. 
I had a Citi double cash card - where I get 1 % cash back when in the statement cycle when I make a purchase and get 1 % in the statement cycle when I make a payment. When my account was closed, my rewards were automatically forfeited and I was unable to redeem them. I feel this practice abusive and unfair by Citi - because I could not reasonably avoid it ; Citi closed my account upon my statement cycle and did not allow me to neither redeem rewards on my recently closed statement nor on the statement prior to that. I feel that Citi let me use the card for 2 months - which I used with the intent to obtain rewards - and clearly not making provisions for me to redeem the rewards after they closed the account. 
I contacted Citi to obtain my rewards and I was told nothing could be done. 
I am looking for Citi to give me {$46.00} for the forfeited rewards.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX, I had overpaid my Home Depot credit card in the amount of {$190.00} and therefore, the card carried a debit balance in my favor for this amount. XX/XX/XXXX, I made XXXX purchases in the total amount of {$960.00}. Within the next 3 weeks, I returned some of those purchases. This led to a net purchase amount of {$280.00}. There was some confusion regarding how this pending overage payment would be applied to my account and balance. After repeated communication with Home Depot was able to resolve this and I made the balance payment of {$87.00}. Home Depot waived all the fees etc assessed while this issue was being resolved. This brought the balance of the account to zero. However, Home Depot still decided to report my account to credit bureaus.
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aspen Yo LLC (MN)

I have been charged late fees by Gregory Funding while I am in the process of resolving why XXXX is changing of the terms of my mortgage agreement. I expect these fees to be waived after we resolve why my mortgage terms are being manipulated after the fact. The mortgage terms and agreement were finalized on XXXX/XXXX/16. 

In the meantime, I called to XXXX to make my regular phone payment on my mortgage and was told that they would not accept my payment via phone and that I have to mail my payment with an explanation. I have done so. 
I appreciate your help in resolving this situation and confirming the original terms of my XXXX XXXX XXXX mortgage per the five year modification consummated on XXXX XXXX, 2016. 

I am requesting an escrow account history ( insur and taxes ) from : 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Loans and 3 ) Gregory Funding. 

As the XXXX Home Loans Mortgage modification explains : Any and all outstanding escrow balances noted on the XXXX Home Loans account will be paid when the home is sold and not until that time. 
thank you very much.
Consumer complaint received 2017-01-17
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (NY)

Someone duplicate my debit card and the bank closed my account on the internet. When I called to complain, they asked me about the last transaction and they did not charge me for other charges they had then. Four months later I realized that there were fruity charges and after the investigation they reported that I spent a lot of time. I had not noticed these fraudulent charges because they closed my internet account and I informed them that I was out of the country so I did not have access to my account statements. Nor did the operator inform me that there were charges after my last transaction.
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (OH)

I have a private student loan with citibankfor approximately XXXX I filed bankruptcy in XXXX XXXX. From XXXX XXXX to XXXX XXXX Citibank could not contact me due the bankruptcy procedure. I received a letter in XX/XX/XXXX saying I owed the full amount. Prior to the stopping of communication due to my bankruptcy I was in deferment. When I spoke to Citibank when they contacted me by phone I said I was in deferment prior and wanted to know what could be done to get either back on or work with payments. They said I needed the payment in full which was XXXX, I was unemployed from XXXX XXXX until XXXX XXXX, I was receiving less than XXXX a month in unemployment which ended 2 months prior to me receiving my current job which is part time making about the same. Citibank refuses to work with me, they say I will be in default, I am 134 days past due as of XX/XX/XXXX, I was under the impression default is 270 days past due. I am not financially able to make a XXXX payment and they offered to take XXXX which is more than XXXX % of my current pay. I am not trying to not pay, I just would like to either be able to do a deferment or forbearance or make a lower monthly payment.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank Stienmart sold my account to a third party which is trying to collect on a debt that was writing off as bad debt. This account has been on my credit report shown as bad debt for a period of time. The third party that is trying to collect on this matter have put this on my credit report as that i open this account on XX/XX/2023 which is not true. This illegal maneuver have cause my XXXX XXXX to drop a XXXX points. This is a fraudulent act and should be rectify ASAP. I have sumitted a copy of the report showing the fraudulent act.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

I took a private student loan with XXXX XXXX ( Navient ) in the amount of {$10000.00} with my mother as a co-signer in 2008. I was attending XXXX University in XXXX, FL. My new balance is over {$19000.00}. They offered a settlement amount of {$15000.00}. I am currently applying for SS XXXX and my co-signer 's only income is social security. We have both declared bankruptcy in the last year and have asked them repeatedly to accept a smaller payment amount and they refused so I am sending them a small payment monthly. They are calling on a daily basis and stating that they will not accept the payment I am making so I told them to send it back and I would report them for not accepting it. I am sending what I can afford. I have repeatedly asked that they quit calling my cell phone and they said that I had to send a letter. Which I am sending and now they are saying that they only have to follow that if " approved ''. I have told them if they continue to call after I send the letter I will contact my attorney. What options do I have?
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have XXXX loans with navient most of which are direct subsidized loans. 
Navient had me put my loans on deferment as i could n't afford to pay very much until recently. I had to chase after them and call many times to get assistance with getting on a repayment plan that helped me make payments. 
These payments seem to be doing nothing as the loan continues to grow by more than what i 'm paying every month right after a make a payment. 

It honestly does n't appear that my payments are going to the principal or the interest as i see no changes every month in the amount my loans say are remaining. 

I feel like i 'm being ripped off. 
have no issues with paying on my loans as i took the loans out for school. 
But it seems that unless you pay them off in one swoop there is no way to get the loan number to go down at all. 
The repayment plan they set me up with does n't appear to be anything more than giving them free money until the end of time. 
What good is a plan meant to assist you if it does n't ' even cover enough of the loan to keep the amount owed from growing passed what it was before you paid that month.
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

Hello, I attended XXXX XXXX a few years ago for about nine months. When I went to visit the local university to find out where I would be when I trandferred over I discover none of my class from XXXX would not transfer. When I enrolled into XXXX they informed me most of my classes should transfer! I immediately withdrew from the school. The school has now closed and I am XXXX in debt paying for college classes that are useless. I went through the process to make my XXXX loans dismissed and was denied because I left the school too early? I understand it is not the loan companies fault that XXXX had lied but that is why they have things like loan dismissal!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (OH)

I have called these ppl on several occasions, to access my own account, with no results. I owed XXXX, 5 years ago, trying to gain access to see if I 'm eligible for help, for a forgiveness. I get yelled at and told, very harshly, IF YOU DO N'T WORK FOR A NON PROFIT, FEDERAL, OR IS COMPLETELY XXXX, THEIRS NOTHING OUT THEIR YOU 'LL HAVE TO PAY! Well now it 's over XXXX from deferment, e t c. When i call these ppl needing help, they just put me on deferment, like that 's the only choice. I make under the poverty line in income. I will never be able to pay this back. It put my credit in the trash, for the rest of my life. I 'm XXXX yrs old, no life insurance, or anything to fall back on if i chose to retire. This company is a blood sucking vortex. If i ca n't access my own account, which i have n't been able to for 5 years, how do they expect any money to be paid. I no theirs a forgiveness plan out their for me, but they do n't want me to gain forgiveness, i feel they do n't care, ppl are really going under, owing student loans, and they take advantage of it.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have XXXX and XXXX loans with Navient and I have been told repeatedly that my payments can not be lowered from $ XXXXmonthly, forcing me into a forbearance where the interest has now practically doubled the amount I originally borrowed.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

I have received XXXX calls from what I believe is a collection agency. They say they are looking for my niece. They claim my phone number is what she used for her primary contact number. When I call them on it and say they are lying they become rude and accuse me of lying. When I ask how they got the number they refuse to say. I have NO relation with my niece and there is no way she would have used my number. I have a small business and my number is my business number.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I started out with a {$9500.00} loan XX/XX/2005, I put into forbearance, as I could not pay with the low paying job I had. Now the loan is {$17000.00}. REALLY?!
Consumer complaint received 2017-03-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: The CBE Group, Inc. (MO)

I am in a horrible limbo with my student loans and my financial life. I am in default and there is no way of getting out of default beyond paying everything off. Original loan amount was XXXX and because of fees the amount was over XXXX last year. Last year I paid over XXXX and currently being forced to pay money every 24 days. I have been with my wife for 27 years, have a family of XXXX. No matter what I do the debt / fees continue to grow and I ca n't get on top of them. We lost our home in XX/XX/2008, we have had vehicle repossession and my tax refunds are garnished. 
I have no way to resolve this situation.
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

For at least XXXX year, XXXX payments on my student loan have been reversed, with no notice or explanation. I have called the student loan company several times and asked for detailed documents showing my payments and resulting balance due. I have not received the items requested. I have been told both by collections and customer service that they can only submit another " research request '' but can not explain the reversals or offer any documents showing that my loans are being paid down. Consequently, I believe that my loans are not being paid down. I am constantly being called by the company and asked to submit payments, which are then reversed. I need someone at Navient or XXXX XXXX to give me a full explanation in writing.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (SC)

They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX I deposited a small savings bond left to me by my father that was several months past maturity. I know the banks dont like giving up large amount of cash so I didnt cash them all at the same time. 
XX/XX/XXXX I deposited XXXX more bonds into my account. Not a problem at all. 
Then Approx. XX/XX/XXXX I deposited another savings bond into my Wells Fargo account. 
The next morning I checked on my account because I was going to send my son birthday money and they said that they froze my deposit account and that they were closing both my accounts. 
When I called the bank they referred me to their loss prevention/fraud dept. which they could not tell me anything. They could not give me a solid reason why. The only thing they said was that the bond had been altered. It had not been altered. It wasnt any different than the other ones I deposited. The bonds had been stored in a safe for 10 years and then after that I had them in a metal lock box in my bedroom closet for over 20 years. They were in an envelope and they were almost brand new looking. Besides smelling a bit like musty or aged paper. They hadnt even been folded or touched by human hands since my father passed away in XXXX. 
The bank informed me that after 60 days they would send me a check for my funds ( bond money ) IF no one filed a claim against my money. Well I was upset but I knew that I would get the money in 60 days and it would be fine since no one could file a claim on my bond since the bond belonged to me purchased by my father. Rightfully mine. The treasury dept cashed them. Wells Fargo even cashed XXXX of them previously. 
So after 60 days I waited patiently for a check to come in the mail for my bond money. I have it well over XXXX weeks and finally I contacted them via email ( see attachment ). XX/XX/XXXX. I got a general account update Response. 
I contacted them again with the exact same letter but sent to a different email address. I receive a response in XXXX that said we need more time to respond to your concerns. And will follow up by XX/XX/XXXX th. 
I received a response later but was informed that the response they sent me will expire and that I wont be able to access it after a certain date. I do know if I screen shot the response. But I do know the response I received was from a completely different situation involving the XXXX XXXX nevada branch and how they marked my bonds paid and then refused to deposit them. ( Thats a different situation Im not going to Pursue because I sent my bonds into the treasury and they honored them and they got cashed ). 
Anyway so the bottom line is they have not returned my savings bond money for my last bond. Additionally what they also did was report me to early warning system making it very hard to open a bank account now.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I went to XXXX University in which they were found guilty of fraud now I owe XXXX for nothing. Now I owe so much money they took advantage of me knowing that they were commiting fraud. I just do not understand why do I have to pay all of this back when I was unable to graduate because of life issues. They over charged on everything knowing what they were commiting fraud.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (AZ)

I keep getting phone calls about a debt that I do n't know the creditor. They have been calling my son, my niece, my daughter in law. All the numbers being called are non-published numbers. All who have no knowledge nor involvement with this debt collector, nor any of my dealings. They tell them that that is an important court matter that needs to be resolved in a threatening manner.. 
The number I get calls from is XXXX ( Municipal Services Corp ). or so they identify themselvesI have called that number telling them to stop calling me and my relatives to no avail. Thank you
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

I graduated from XXXX school with XXXX in student loan debt XX/XX/XXXX. To this date I owe XXXX. The loan is in my fathers name, with myself as a signee. At two different times I had to do a forbearance which had dug my student loan debt into a hole that will end up paying back almost double the initial loan by the time it is repaid. My father who is primary on the loan had to talk to a representative, at the time ( XXXX XXXX ), he was given the only choice which was a forbearance. Some time later I was back in the same situation not making enough to cover my loans and living expenses and had to take another forbearance. Talking with my father this was our only option. Recently I have heard of other people in similar situations. I found out there were other options like income based repayments. This was never an option years ago to our knowledge and feel like we were tricked into an option that would be in the favor of then XXXX XXXX and now Navient that would never allow me to get out out of this hole of debt. Almost a XXXX education that I believe was worth only a quarter of that. Ive looked at my statements on my account and the percent of interest paid vs principal makes an obvious statement that these loans were never meant to be paid back but to live on interest and keep the borrowers in debt for as long as possible. My payments are soon to go to over {$500.00} per month and at that rate will not be paid off until XX/XX/XXXX.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I have been harassed by Navient callers for months. They do n't give me any options to pay them back because they are private loans. They call me 7 days a week from different area codes and they call and harass my mother all hours of the day as well because she was the co signer on my student loan. I did n't even get a good job with my degree I used student loans on. Every time I pay {$150.00} just for them to stop calling me for a month. I told them I just had a baby and did n't have any income at the time and the lady said " literally '' that it did n't matter and I had to pay. No remorse. My alarm in the morning is Navient calling my phone. They call me at work all day. It 's putting so much stress on my family and I do n't know what else to do. The {$150.00} I pay does n't even go towards my loans. Just to Navients pockets.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I graduated in 1996 and my loan was {$35000.00}. In the beginning, I was paying regularly but then had difficulty making the payments so I went into default. Additional fees and penalties of over {$15000.00} were applied. Then I got a new job and agreed to new payments that were automatically being taken out of my account over the course of 3 or 4 years. I then went to buy a house and was told I was in default! And I had been regularly making payments for years!! I called Navient and was told I was not on an " approved '' plan so it did not count as a " payment '' so my account was sent into default. They had never informed me that I was never on an approved payment plan or that I was in danger of being in default. And now, after even more penalties and fees, my loan is up to {$120000.00}!!! This is criminal in my opinion and should not be allowed to happen. My credit has been affected, if it was n't for this, my credit would be excellent. I 'm really hoping that the Trump administration will crackdown on these thieves and put a stop to this. I do n't mind paying what I owe but not this inflated figure with crazy interest and penalties!! I do n't know what to do, please point me in the right direction.