davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

In XXXX of XXXX, while I was in a deferment/forbearance period ( not currently paying on ) my XXXX student loans they sold them to VSAC Loan Services. I was not made aware of the transfer in ANY way. I figured I was still in my 2 year deferment period that XXXX offered.When the time was up I tried to contact XXXX with no luck, all they said was that my loan no longer existed. I searched everywhere online I could think of for my loan. In XXXX of XXXX it finally showed up on my credit report as being derogatory for this random place VSAC. I tried to contact them several times and they could n't locate my information, even though they reported me as delinquent. My loan was in limbo. Finally I got ahold of an amazing lady at the XXXX XXXX XXXX XXXX who helped me refurbish my loan and got me back on track. It was sold again by VSAC during this refurbishment to XXXX who I 've made every payment on time since this nightmare with VSAC. In conclusion, VSAC needs to take the derogatory report of those 7 months in XXXX.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (NC)

Great Lakes Borrower 1 ) Misallocation of payments made across multiple loans 2 ) Intentionally moving payment date to accrue more interest 3 ) Others I 'll be happy to provide any documentation necessary to your office. Please let me know what additional information you need. Thanks.
Consumer complaint received 2016-02-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resolve Partners, LLC (NC)

I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. 

Please find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. 

Please note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. 

Please note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. 

If you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. 

Please find attached pictures of what appears to be management and or other personnel at the apartments. 

After vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. 

After management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. 

It appears as though management and or other personnel employed by the apartments allegedly took the photographs. 

The pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. 

Upon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. 

When I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. 

The collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. 

The collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. 

Please intercede in my behalf to assist me in achieving a fair solution in this matter.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the charges.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Opened a bank account in XXXX with Citibank during a promotional period offering XXXX XXXX AAdvantage miles for opening a Citigold checking account with them and fulfilling certain requirements. These requirements were spending {$1000.00} in qualifying debit card purchases and one or more qualifying bill payments for two consecutive calendar months, with all requirements to be completed within sixty days of account opening. 

I completed these spending requirements presented in the offer on XXXX XXXX 2016, which I verified were met via Citi 's Customer Service by phone. The customer service agent told me that the the miles were supposed to post within 90 days. However, the miles never posted. 

I contacted the bank about the delay and was told via secure message that I was suddenly not eligible for the offer because I was not " targeted for the promotion '', even though I had used the promotion code during the signup and had their customer service verify that the requirements were met for my account with no one mentioning such a restriction. 

As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by Customer Service by XXXX XXXX 2016.
Consumer complaint received 2017-04-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Risecredit, LLC (WI)

I began taking out RISE loans in  XXXX   XXXX ,  XXXX  for {$500.00}. I thought it was just for an emergency because I was short at the end of the month. This continued for years until  XXXX  and the amounts that RISE offered kept increasing because I made all of my payments faithfully. The last loan I took was for  XXXX  in  XXXX   XXXX ,  XXXX  and this  one I  simple could not keep up with the payments. I placed a stop payment. It was a vicious cycle of non responsible lending that I fell victim to.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (CA)

I engaged with a debt consolidation company effective XX/XX/XXXX. " The Lending Club '' who herewith in isthmus party whom the complaint is about, was made aware of this transaction by phonE, then via e-mail, then by the company at least twice and provided a copy of my authorization to speak to the debt consolidation company, XXXX XXXX XXXX. In addition, they were given ease and desist letters. 
I am still receiving letters threatening my credit and at least 2-3 phone calls each day. My account was NEVER late with them and has been in existence since XX/XX/XXXX.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I was a victim of fraud charges on my Macy 's American Express card from XXXX. I filed a police report and completed a Statement of Fraud that I was asked to complete. I received XXXX documents that could be found under documents on their site : 1 ) dated XXXX/XXXX/15 that stated that the fraud investigation had been completed and the disputed charges would be removed and 2 ) that stated as a result of my inquiry that I would be receiving a refund within 2 billing cycles. I received these refunds XX/XX/XXXX via electronic fund transfer and a check respectively. 

I received XXXX statements that again stated I owed these amounts. On XX/XX/XXXX, I contacted customer service and was told to not worry that I do not owe these amounts, and that the statements would be corrected to show this. I took off AutoPay, and closed my account completely. On XX/XX/XXXX, I received a reply to my question through their site about these amounts due and was told that the investigation was ongoing (? ) despite having received the letter that it was completed but even so I would not owe any monies while the investigation continued. An AutoPay was withdrawn from my bank account on XXXX/XXXX/15 for the amount of {$2500.00} despite all this. I would like my monies back. I have been dealing with this issue for almost six months.
Consumer complaint received 2016-09-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (AR)

Case number : XXXX this case has been submitted but now the debtor refuses to return phone calls to me or my lawyer. but he also refuse to validate the debt to me also. so this is been going on since XXXX he has been game after the other. We at this point if Citi would make a offer just pay it so the game playing would stop, yesterday citi had the paid judgement remove form my credit report they do n't know which end is up or if paid or not no mention was made why they reported paid. I want to settle and move on preferably citi and can pay there attorney since they wont return phone calls or letters they may answer you
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NY)

Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on XXXX XXXX, XXXX. This was done without notice and otherwise in violation of the CARD Act of XXXX which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in XXXX XXXX justify the hike in interest rates, but does not dispute that such account disclosures are contrary to the CARD Act, which was adopted subsequently. Citibank justifies the increase in interest rate since the account was " delinquent for a long time '' prior to the rate increase. However, Citibank admits that the account was delinquent ( late payments but less than 60 days ) XXXX times in eight years, but says that there were XXXX late payments in six months prior to XXXX XXXX, it is justified in raising the rate. This is not the law.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I filed an complaint with Citi Cards CBNA on XX/XX/2015, I advised Citi Cards that, Title 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Citi Cards are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Citi Cards company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Citi Cards are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi Cards fail to respond in writing, signed by hand, in a timely manner, I will assume that Citi Cards are in error and this matter will be challenged. As Citi Cards further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Citi Cards claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. 
As of today XX/XX/2015, Citi Cards have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Applied for a Citibank Citigold account with promo code XXXX ( XXXX XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible. Finished all the requirements and was told that they can not honor because I was not targeted.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

Citi sent me at least XXXX mailing offers for an XXXX XXXX credit card with XXXX to XXXX bonus miles. I finally decided to sign up for one. During activation, the bonus miles were never mentioned so I called their customer service, who told me that I was not eligible for the promotion. I asked them why that was, given the fact that they sent me XXXX mailings about the offer to my home, which included a specific invitation number and my XXXX information. Customer service just replied " That is from marketing, not our issue. '' I was disgusted and canceled my card on the spot. Customer service was indignant and stated that " Citi is the largest bank in the world so we are always marketing ourselves. ''
Consumer complaint received 2016-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (HI)

My credit report says that there is a credit card that has been open since 2002 when I was seven years old. There is no way that I applied for this card. The report says that the card is managed by DSNB and Citibank. I have not received any bills and was told by the customer service at Macy 's that there is no credit card in my name. Without access to the account number I have no means of closing this account. I am stuck in a situation where my identity and finances are at risk. I am scared that they will pursue me for purchases that I did not make and services that I do not want. 
I did an online search and found that I was not the only person in this situation. I desperately need help to close this account and to find out if any automated charges were made and to recollect any losses if possible. 

XXXX
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

In XX/XX/2016, I was induced to open a Citibank CitiGold Checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account, making {$1000.00} in debit card purchases, and scheduling two bill payments from the newly opened account. Over the past month, I 've reached out to Citibank trying to obtain confirmation of when my AAdvantage points would reach my account but they 're either blatantly ignored me or given me a broad explanation of why I may be denied the bonus. My attached document provides a timestamped breakdown of my inquiries with them.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased a vacation package through a company called " XXXX. '' Within a few days they were not responding so i made ever effort to cancel. finally i filed a dispute with Citi Card a few days later. I can provide a number of documents that show this company just steals money, provides no services. They promised to buy my old timeshare from a company called " XXXX '' that did not happen. So Citi Card took the charge off, put it back on, took it off and once again put it back on. I did file a dispute less than a week after the purchase and provided them with all of the info and they wo n't give me any details as to why they keep putting it back on.
Consumer complaint received 2015-07-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I bought a home XXXX took out a mortgage and later filed bankruptcy. This mortgage was included in bankruptcy and the debt was discharged. The servicing rights to this mortgage were bought by CitiMortgage while still in bankruptcy and before the debt was discharged. After the debt was discharged, Citi was asked to reafrim but they refused. They continued to reporting this discharged debt to XXXX XXXX ( still do ) as current " paid as agreed. '' Now I receive notice that my mortgage is delinquent and Citi will not remove PMI until the late charges assessed post discharge are paid in full. 
The issues are if the mortgage debt was discharged in Chapter XXXX bankruptcy and payments are now voluntary how could the mortgage have ever be late. Second, since Citi continues to report the debt " paid as agreed '' to the Credit Bureaus, why are they telling me my voluntary payments are past due? Third, why are they charging late fees on discharged debt and are threatening to keep charging PMI until I pay late charges since payments are current? 
Citi would not enter into a reaffirmation, the debt was discharged, payments are voluntary and Citi said at the time of discharge if payments are not made they could still foreclose not that they would charge late fees. 
I have been unemployed since XX/XX/XXXX and have exhausted my retirement savings to avoid foreclosure while trying to find work - Citi has n't offed a bit of help! Just more and more grief ... Can the CFPB offer any suggestions?
Consumer complaint received 2016-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Rescue funds brought this mortgage current in XXXX of 2016. {$1200.00}. Attached is the letter used to show amount needed to reinstate the loan at the time, with a date it had to be sent in by. Since then, the borrower has made each monthly payment. She was informed recently that she is delinquent again in the amount of {$400.00}. This should not be possible, as the rescue funds reinstated the loan to current and the borrower has made each payment since. I contacted CITI on XXXX/XXXX/2016. I spoke with a woman named XXXX. I asked her how it was possible that she is delinquent again when we sent in a check for the exact amount they told us to. She would not give me information about when the payment was due from, she stated " she did n't know. '' But, she " thinks '' it was from somewhere back when the client filed bankruptcy. If that was the case, then why was this amount not included in the amount given to bring the loan current in XXXX? The only assistance she could offer was to send a " payment history '' to the client that we can review to find out where the payment became delinquent. Please see attached " payment history. '' I have been XXXX for 4 years and I certainly can not understand the document they sent to the borrowers. I have no idea how a borrower is supposed to understand it. The borrowers are on a fixed income and the amount sent to reinstate the loan was a one-time payment. What we thought would ( and were told ) would bring the loan current. CITI stating the borrowers are still delinquent is incorrect and extremely frustrating, especially when they will not tell you why or how.