davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NM)

This is a complaint about a promotional bonus not being credited, in violation of the terms and conditions provided to the customer ( me ) at the time of enrollment. 

I opened a Citi Savings Plus account in XX/XX/XXXX after enrolling in a promotional offer, offer code XXXX. Per the terms and conditions provided me at the time, I expected that my account would be credited with {$300.00} within 90 days of XX/XX/XXXX if I deposited {$25000.00} to {$50000.00} by XX/XX/XXXX and kept at least that balance through XX/XX/XXXX, which I satisfied. However, 90 days later ( XX/XX/XXXX ), the {$300.00} promotional bonus has not been credited. 

I have called CitiBank customer service to give them an opportunity to rectify the issue, but they claim that the bonus failed to credit because the offer was " targeted ''. However, the terms and conditions PROVIDED TO ME AT ACCOUNT ENROLLMENT do NOT state any such contingency, and hence that excuse can not apply. In fact, I even received an enrollment confirmation ( of which I took a screenshot along with the terms and conditions ). Despite this evidence, Citi is refusing to credit me the bonus ( citing the " targeted '' excuse despite it being absent from the terms and conditions ), and hence they have failed to uphold the terms and conditions to which I agreed at time of enrollment. 

To preempt a possible response from CitiBank, they MIGHT respond to you claiming that the promotion was " targeted '', but that excuse is invalidated by the evidence I am submitting, namely the enrollment confirmation and complete terms and conditions on which I based my decision. 

I would like to emphasize that I signed up for this savings account SOLELY because of the promotional bonus, and in good faith that my satisfaction of the terms and conditions would result in my being credited the {$300.00} reward. I therefore submit this complaint seeking to enforce the terms and conditions that Citi provided me ( upon which I based my decision to do business with them ), and thus be credited the promotional bonus described in those terms. 

Description of attachments : * CITI SAVINGS OFFER SCREENPRINT.pdf '' -- screen capture taken on XX/XX/XXXX showing enrollment in the promotion ( top of first page ), terms and conditions upon which I based my decision to open my account, and the offer code ( bottom of second page ) * " citi savings plus statement [ XX/XX/XXXX ] .pdf '' -- statements for the account in question showing satisfaction of the terms and conditions.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WV)

In XXXX our mortgage became late now XXXX and XXXX different agencies later I 'm still making the same mortgage payment and the company I make it to is not listed on my credit report but the original company is but it shows the account as a charge off. I need help.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

Hello, I am getting Navient setting up payment schedules while in deferment for my master program with University XXXX. XXXX has changed their program for leaving dates between and it will respond for 14 days between classes for an exit interview that is notifying Navient for a scheduled payment. This is happening all the time since University XXXX scheduled classes between other classes while trying to complete a certification program with another school, XXXX. So, I am currently in school and pursuing XXXX certifications between classes and have provided Navient of both records for XXXX and University XXXX. Also, I thought I had six months after my exit with University XXXX before any payment schedule begins. This is what is posted on FAFSA repayment website. This is a form of harassment since I am in deferment
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have been paying towards my principal amount for a couple of years for a loan that has an original balance of {$6800.00}, interest rate 4.25 %. My current balance says {$6700.00} and when I look up payment history, one year alone has about {$300.00} towards principal amount.
Consumer complaint received 2016-06-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: STATE FARM BANK, FSB (CA)

State Farm Bank is the XXXX mortgage holder on my house, they received all the requested documents for modification/settlement review. I have provided all the items they requested but despite my numerous phone calls they are not responding to me about the status of my file. Their phone numbers are always busy and I have to wait for more than one hour and then finally the call gets disconnected!!!! 
I have tried many times to get some ressponse from them but State farm is not responding!!!.
Consumer complaint received 2017-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

On XX/XX/XXXX, I made a transaction with a scammer for website creation to be fulfilled for {$900.00}. On XX/XX/XXXX, I made a dispute with the scammer because, by that time, there was no work done, nothing was fulfilled. I was very disappointed. I made this dispute with CITIGROUP which involved the credit card I have with them. CITIGROUP had claimed to send me a verification for me to respond to the situation but never got any notification on my account nor in my email. 

CITIGROUP has n't given me a second chance to solve this issue. They allowed a scammer to run away with my {$900.00}. And CITIGROUP is making me responsible for this loss. I 'm not happy with it. CITIGROUP needs to reconsider this situation because I 'm the victim here with no service provided for the {$900.00}. 

I tried disputing this situation over and over again but CITIGROUP is n't siding with me. 

Please help me out.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EAST WEST BANK (CA)

XXXX 2016 I reported to my bank that my bank account lost money in XXXX, XXXX, XXXX and XXXX, my bank EAST WEST BANK in XXXX/XXXX/16 returned parcel my lost money {$18000.00} back to my account, now still has {$11000.00} not return to my account yet, I request EAST WEST BANK return all money to me ASAP.
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (CA)

My daughter and I requested the information from the XXXX private lenders to pay college tuition. XXXX Loans gave as the best rates and we decided to proceed with XXXX. We never agreed to get any money form the XXXX.How big was our surprise after I received a negative statement form the University. XXXX student loan sent money to the college without my or my daughter approval and started to collect their fees!!! We demanded to return full amount back to XXXX but now XXXX sold almost {$100.00} " debt '' to the collection agency. Please advise.
Consumer complaint received 2015-04-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I disputed, with all XXXX reporting agencies, items I feel are not being reported legally or are erroneously reported.I attached all of the dispute letters. They, agencies, have not delivered or supplied any or all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA. I demand these inaccurate and or incomplete items to be removed from my files immediately. 
Thank You. 
XXXX
Consumer complaint received 2016-12-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I disputed the following bankruptcy. I received the dispute results from equifax this morning. And according to federal law NO federal bankruptcy court reports to and credit bureau. So with their findings this information is false, due to the fact equifax can not verify with any bankruptcy court espically as listed on attached findings.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (ME)

My loan was sold to navient, I tried to contact them on several occasions so that I could set up a payment arrangement and they would n't give me any information. They kept telling me that I had to wait until it had been processed into their system. Meanwhile, this issue was severely affecting my credit score, as it was showing that my loan was in collections.
Consumer complaint received 2016-08-13
Product: Other financial service — Refund anticipation check
Issue: Customer service/Customer relations — 
Company: EQUIFAX, INC. (NY)

on XXXX XX/XX/2016 i pay {$4.00} to Equifax to look at my credit report most of the information in the report was incorrect i had to dispute all my dispute is completed i call Equifax on several occasion to cancel the account because i was not seeing a whole lot of information all i was seeing was personal information today is XXXX XX/XX/2016 Equifax is charging me {$19.00} to look at the same personal information i pay {$4.00} for i want a refund reason they are using the business solution price
Consumer complaint received 2016-07-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

We have a mortgage serviced by Seterus. Over time the payment changed and we were not aware of it but continued sending the original payment. Over a period of months the shortage accumulated to about {$1500.00} - {$1800.00}. We requested that Seterus add this amount to the back of the loan. They requested paperwork, and we supplied them, but nothing was done .We never missed a regular payment. However, now they are saying we are behind six ( 6 ) months, and sending us default notice.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

I have contacted Equifax on multiple occasions asking them to remove duplicate information that 's reported on my credit report. They are reporting negative information from XXXX XXXX and XXXX XXXX, XXXX. The information they are reporting is the same account. Thus, my credit score is lower since XXXX of the same items are being reported on my credit report. I tried to resolve it with Equifax and they continue to report duplicate information.
Consumer complaint received 2015-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CO)

XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

My loan holder is Navient, formerly XXXX XXXX. My account number is XXXX. I have several types of federal and private loans with them as I have loans from XXXX my time as an undergraduate and as a XXXX student. When I initially graduated XXXX school my loan payments were roughly {$2000.00} a month. I was able to pause payments while I looked for employment. Since finding employment some seven months after graduation, I have made a steady {$60000.00} a year. Upon beginning employment, I asked Navient if I had options for income-based payments. They told me to fill out an application for Income Based and Income Contingent payments and to select that I want Navient to choose whichever is the best option for me. I complied ( through some effort because there was an issue processing my application ) and eventually my payments went down to {$1500.00}. However, after speaking with a fellow attorney who had more total debt than I did and made the same exact salary, I was worried something had gone wrong because where he was only paying {$300.00} a month I was paying {$1500.00}. I called Navient and asked them to look into this and I was informed that they had done something wrong with my application and my payments should actually be lower. However, my payments were only lowered to {$1000.00} a month. I asked if there was any other way to lower my payments as I literally can not afford to move out of my father 's house on this salary and am struggling to make the payments and was told that because of the way my loans were " grouped '' there was nothing that could be done. I have been making the payments at {$1000.00} a month but it really is an unbearable imposition. I can not afford to live on my own when paying {$1000.00} a month for my student loans on top of all the other financial responsibilities I have. Furthermore, most attorneys I speak to are shocked that I pay so much more than they do in comparable circumstances. I want to make sure that the amount I pay really is the fairest amount and that I am not being taken advantage of by Navient. In spite of my continued efforts I still find myself drowning in these payments. Thank you for your time.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Hi, I have been repaying my student loans since 2000. Since then, it 's been handled by several different companies- the latest being Navient. A few months ago, they contacted me and told me that my fixed loan payment was being increased (! ). I looked online and the balance I had previously been reported to have increased by over {$1000.00}. How is this possible, when I have made all my payments, and on time? When I called and asked for a comprehensive report of all payments made since 2000, as well as an amortization schedule, I was assured I 'd receive one by email. What I got was a report of payments made over the last 4 years. I would like the complete report and an amortization schedule, as well as a comprehensive written explanation as to why my payments/balance were increased.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

I reviewed my report on XXXX XXXX and on my XXXX report it states that an inquiry was made from SYNCB-National credit card/airlines. Ive never authorized an inquiry from these people nor do I even know who they are. Ive attempted to contact them but they have no records of my info in their accounts. I need help removing this from my credit history, social etc. Can someone help assist me with how to take care of this?
Consumer complaint received 2016-11-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (IN)

I was never late in paying my XXXX XXXX account. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in 2013. I do n't know how they can justify destroying my credit by stating that I was 30 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has been dormant for several years. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from 2013 off my credit report.
Consumer complaint received 2017-01-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

IN 2014 CITIMORTGAGE FORCLOSED OUR HOME AFTER 24 YEARS AND LESS THAN 7 YEARS FROM OWNERSHIP. WE EXPERIENCED UNEMPLOYMENT HARDSHIP AND MISSED PAYMENTS. PLEASE REVIEW THIS COMPLAINT AND HELP US FROM BEING HOMELESS FOR THE PAST 3 YEARS, LIVING FROM RENTAL TO RENTAL.
Consumer complaint received 2016-05-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NV)

I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.
Consumer complaint received 2016-02-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (IL)

I attended the University of XXXX XXXX between XXXX and XXXX. I paid off my loan in XXXX. In XXXX XXXX, I received a XXXX for reduction of debt, supposedly on XXXX. However, I never received any information about this previously nor did I receive a reimbursement for the amount in the XXXX. Discover has been " investigating for 2 weeks, but has no answers. See the uploaded file for the complete story.
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: DISCOVER BANK (MO)

I recently contacted Discover because I was behind in my student loans and wanted to catch up on the payments. After speaking with a Discover representative I was informed I was not able to refinance my loans and discover does not do settlements or work with outside companies. After doing online research I learned this was a lie and the representative was only telling me the company does not do refinancing or settlements so I could keep making monthly payments and not seek a lower interest rates. After calling back and informing the representatives on this matter they transferred me to an account specialist who informed that in fact Discover does do refinancing. After speaking with the account specialist she informed me that in order to refinance a loan you must pass a credit check and have a good payment history, but this is clearly a way to keep you from being unable to re fiance, because if you have not paid your student loans, you credit is effected and you do n't have good payment history ; thus you will not be able to pass there credit requirements and not be able to refinance ; thus you have keep paying higher montly payments and charging more interest. I want to file this compliant for the reasons listed above ; In addition, I get called by Discover on numerous occasion as early as XXXX and as late as XXXX and when I am informed them of the situation they transfer me to another department. I am usually on the phone half a hour at a time, just to tell them I spoke with a representative earlier in the day. This company has lied to me about there policy 's and procedure 's, and calls me non stop.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WI)

As an employee of a state agency for the last 8 years, I have been counting on the federal loan forgiveness program. I consolidated my loans with an income sensitive repayment plan with this in mind in XXXX ( and made my intentions clear to XXXX XXXX ). In XXXX I submitted the eligibility form so I would receive updates on when the loan would be paid off. I received notification that I did n't have the correct loan type to qualify. My public service from XXXX - XXXX would not count toward my 10 years of public service loan forgiveness. In XXXX after receiving the ineligibility notice, I requested consolidation to the correct loan type. I was recently separated from my husband at the time, though not legally, and was told that I would have to include my estranged husband 's student loans in my consolidation. So my consolidation was put on the backburner for the 2 years the divorce proceeded. Within a week of the divorce being final in XXXX XXXX, I went to apply for the consolidation to qualify for loan forgiveness. The instructions said if I was divorced and my income changed ( compared to the prior year 's tax returns ), that I could not apply online and I needed to call to complete the application. When I called, they said to just put my current income and make a comment that the divorce was the reason for my income difference. Very unofficial, which makes me now think that I could have done the consolidation without my estranged husband 's loans 2 years prior. Additionally, in XXXX, I requested a hardship forbearance while my new consolidation was being processed because I was preparing finances from the divorce, court ordered to be due by XXXX XXXX. Navient told me I no longer qualified for anything that would help postpone or reduce payments because I had been on income sensitive repayment for too long and had exhausted all forebearance/payment reduction options available to me ( from now and for the lifetime of my loan ). So in XXXX I just did n't make my loan payment because I needed the money for the divorce, and intended to pay a late fee. I received an email from Navient telling me to reply to the email and I could get forbearance. Why could I get it then, but not when I requested it a month before? Here we are 1 year and 1 month away from when I would get student loan forgiveness for working in the public sector for 10 years, and I just made my first qualifying payment in XXXX of XXXX. Because of the absolute erroneous information I 've received for the last 9 years from XXXX XXXX and Navient, I am now *still* 10 years away from loan forgiveness.
Consumer complaint received 2016-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FACTUAL DATA CORP. (SC)

There was a judgment filed on me several years ago, but it has been paid in full. The judgment is still showing as active. My wife and I refinanced our home in 2012 and at that time we paid off the judgment. I will attach a copy of our HUD Settlement Statement.