davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

I graduated inXX/XX/2010 and have been repaying on this ( approximately {$50000.00} ) loan faithfully for over five years now. My balance is **still** {$47000.00}. This is criminal! These dirty student loans were deliberately designed never to be repaid. I am incredibly angry. How can this behavior be allowed to continue? Why is this not illegal? 

Total Payment Amount : {$18000.00} Applied to principal : {$3600.00} ( really?! ) Applied to interest : XXXX
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MN)

I have just completed paying off a mortgage with CitiBank, I had automatic withdrawal for my payments with the last payment due XX/XX/XXXX and I owed a final, partial payment of {$430.00}. Instead, they withdrew the full {$980.00} minimum payment as well as the {$50.00} extra I had been paying monthly. I called them the XX/XX/XXXX and they claimed the refund was in the works. I called again XX/XX/XXXX and was told that that direct deposit to my XXXX XXXX checking account was not possible but they would expedite the check and it be created by XX/XX/XXXX. I was also told that it was routine for the entire last payment to be withdrawn 'in full ' even if less was actually owed. I have received formal notice that my account has been satisfied and a refund is due me. 
Since this is their normal procedure and the refunds are typically delayed a month, this seems like a nice money maker for CitiBank - they can use my money free-of-charge. I would go so far to say that this appears to be a calculated scam - taking more than is owed and then repaying the overage ( without interest ) with much foot-dragging.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VA)

The Costco and XXXX XXXX arrangement ended in XXXX 2016. Costco and XXXX XXXX agreed to automatically enroll customers into the Citi-Bank Visa program without customer consent. I terminated my XXXX XXXX card 3 months prior to the transition between XXXX XXXX and Citi-bank, yet, I received a Citibank Visa Card. I cancelled the card shortly after realizing I had been fraudently signed up for the Citibank card. It 's now XXXX 2016. I find out through the Costco Warehouse account that the card I cancelled was n't cancelled and that Costco fraudulently charged my renewal membership to the card without my authorization. I again have tried to cancel the Citibank card to find out I need the entire card number to cancel it. I never received any mailed statements or literature from Citibank on the card. I again requested a written statement from Citibank that the card was cancelled. I was told I could only cancel the Citibank card once I have the full statement and account number available to cancel the card. This is fraud on both Costco and Citibank.
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.
Consumer complaint received 2016-11-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc (TX)

The collection company is continually calling my home for a debt that belongs to my son after I informed them that my son died this year XXXX/XXXX/XXXX. My son was only XXXX in XXXX when he passed away suddenly. He had just turned XXXX in XXXX of XXXX. What type of contract could they have with a minor child that allows them to call my house when my son died before he became an adult? They told me I have to send them a death certificate before they will stop calling my phone. My son does n't live anymore.
Consumer complaint received 2017-01-24
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

Citimortgage disbursed {$5800.00} out of my escrow account for my property taxes on XX/XX/2016. As of XX/XX/XXXX these taxes have not been paid. I 've called Citimortgage and told this is normal. XXXX County says they have not yet received the tax money. My money has been missing for 45 days now and the bank has made no effort to rectify the situation.
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Securus J Holdings, LLC (NC)

Well first I received a {$7.00} check which doesn't even amount to the cost of using the card transaction fees and all sorts of other fees for a product we was forced to use JPay I was released from prison XXXX of 2018 with {$27000.00} and was given a debit card to use with outrageous transactions and fees a third of that money went transactions and fees as I recall correct me if I'm wrong though now how is {$7.00} check make up for that
Consumer complaint received 2015-09-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (CA)

1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

I bought my home in XX/XX/XXXX on my sole income. I had a 30 year mortgage. I paid for 10 years and then ended up getting a divorce. At that time my ex and myself contacted Citi to request her name removed from mortgage. We were told we have to refinance to do so. So in XX/XX/XXXX, I paid off the XXXX mortgage and refinanced in my name, for 30 years. Then taxes, insurance went up causing an escrow shortage at which time they raised my monthly payment another {$300.00}. Wel I paid as long as I could, but started to run into issues. So I contacted lender to see if there was any assistance for someone like me, who struggled through the housing crash, looking for principle reduction and refinance for a better rate. They put me into a loan modification and gave me an amount to pay, {$950.00} for the next 3 months. That was 7 months ago. I have no paperwork saying I am in a modification, and the original mortgage shows I am late every month on my payment and Citi sends letters saying I am behind in the amount of over {$7100.00} now. They email me and tell me they are waiting on title search to come back, but still never send me info on my modification. They have someone leave envelopes on my door to call. When I do, they say 'OK, thank you. Even though I have told them I did n't want to lose my house and I am in it and taking care of the property. Oh and the new loan will be for 40 years. I have researched and seen that Citi has done something similar and stared forclosure behind the owners back. I am worried, frustrated, beat down and mad that after all these years they would treat me, or anyone, this way.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OR)

I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (TX)

Since XX/XX/2016, I have had issues with XXXX merchants for services/products not received. I disputed the charges on multiple occasions to have them reversed. I also submitted documentation to the fact. CitiBank has willfully neglected the information I have provided and allowed by account to go into a state of applying credits to disputed items. I requested my account closed on several occasions and was denied.
Consumer complaint received 2016-07-15
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

Dear Sir or Ma'am Our names are XXXX XXXX XXXX XXXX and XXXX XXXX. We applied for " Making Home Affordable " Home Loan Modification '' XXXX 2015 as we are experiencing financial hardship and responsible for XXXX of our sons who has a XXXX. We have been in our home 7 years. Our Mortgage is with CitiMortgage Inc. through Department of Veteran 's Administration VA Home loan. Citimortgage loan number XXXX. We have not received a decision on our Home Loan Modification application. This week we received notification of being referred to foreclosure. Just checking to see what options may be available to assist us in staying in our home. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

Hello, I have private and federal student loans with Navient unfortunatelly. My original private loan amount was {$3700.00} originated in 2003 and it is now {$9200.00}, not sure why. They continue to report lates to the credit bureaus even if the payment is on time. Last month I paid XXXX to XXXX payments in a row to try to make them stop calling my phone and they reported me late and tanked my credit scores. They are extrmely rude and I will not take their calls and for that reason I believe they continue to report me late to the bureaus to get me to call them. I believe the balances reported in XXXX loans are incorrect and I need help fighting them. There is no easy way to communicate with these people. 
Thanks!
Consumer complaint received 2015-11-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IA)

We have been trying to get Citi Mortgage to work with us on some type of modification on our loan, we had a hardship and followed the correct procedures and worked with a consomer credit counsolor to get a solution to keep our home, It has been in my family over 65 years and I do not want to lose it. Citi Mortgage has played along like they are trying to help us but never actually do, they kept switching my contract person, I think I had a total of XXXX different people at XXXX time, I sent a Qualified Written request letter request some informaiton on our loan, they sent some info but not the main information that I wanted. 
We have went to court, In court I stated the only way that they are a debt collector and call us and state theya re trying to collect on the loan is if they bought our loan when it was in default. And that is exactly what they did, but when I ask for our assingment records they will not send me the documentation on it. 
everytime I have talked to them they state XXXX XXXX owns our loan. 
I am currently seeking the help of a local lawyer and will appeal our case, there are several things they did wrong. The Judge did not seem impressed with the laws that I had stated that were put in place to protect the home owners and her attitude was, I will let them win and they will still work with you to keep your house. Which I do n't think they will do, so I need to act quickly to the court and make them understand these laws and rules are put in place for a reason and if judges just dismiss them and do not abide by them what good are they? 
Any help you can give us whould be greatly appreciated. 

XXXX XXXX
Consumer complaint received 2016-09-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

XXXX Consolidated - Subsidized XXXX Consolidated - Unsubsidized The loans above went into default with the XXXX over 2 years ago and they transferred it to servicor, Navient - long story short I defaulted with them as well. For over a year I have been trying to set up a payment plan, but was informed by Navient that after I defaulted with them - they sent it back to the XXXX. Which to date - they have not been given access to this loan - it does n't show up in their computer system - it shows up that Navient still has it. And when I call Navient - they say its no longer in their system. After going back and forth for almost 2 years, I eventually hired an attorney and contacted the XXXX - we thought we had a solution, but now - 8 months after contacting an attorney I am back to square XXXX. The loans are in cyber space and neither Navient or the XXXX have access to it - therefor I ca n't make a payment plan or make any payment towards the balance. Its been in cyber space close to two years. I have once again tried applying for a mortgage and was denied due to this loan. I need help and it seems everywhere I turn - there is no solution.. Please help.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NY)

I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property.
Consumer complaint received 2015-12-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (CA)

I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
Consumer complaint received 2015-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I attended XXXX XXXX XXXX, wa XXXX and university of Idaho in XXXX XXXX, ID ) now my student loans ( both federal and private ) are in repayment w XXXX and Salliemae. My XXXX major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now XXXX having trouble with a third company and having to reapply for an IBR. In addition XXXX has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written statement of the finding or request for more information. After XXXX requests, in the last 6 months, for a written statement of the repayment agreement, I still have n't received any written agreement or information on why they were not able to provide that information. On top of several problems I have had with both XXXX and Salliemae they are not correctly reporting to credit agencys ( they say that I am making late payments on my loans although they are the ones that are removing the funds out of the account. When I called them on it they said they would forward the inquiry and when the a supervisor got back to me they said it was do to processing time and days that the banks are open. They did tell me in order to get this up to date i would need to make a double payment in one month. However due to the fact XXXX is withdrawing over double the agreed monthly repayment amount. I really feel like manyof these tactics and actions are illegal and I have been advised by more than XXXX professional service to sue, however I do not want to take this action but I will if it is truly necessary.
Consumer complaint received 2015-05-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have been in contact with the Citibank to settle their Sears Master card, as they as they promised to take a small sum. But without giving me a chance, they have been addingbeen adding late fees, interest, etc., every month to furhter inflate the total balance. Their customer service does not help, nor theirsenior officials.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IN)

In the past I 've come across some hard times and needed help. Navient or XXXX alays gave me the feeling that I was doing something wrong. I 've called a few time to be put on forbearance, hold off on payments or what we you want to call it. It 's difficult to say what I 'm on right now because it 's confusing when I call and I never understand what they say. I feel they try to trick you into doing something you really do n't need to do. As of right now I will be paying for my student loans until I pass away. It 's sad that I let it get like this but to get a degree and colleges cost so much, this is the only way to achieve this. I 'm racking up inyerest, late fees and who knows what else. I 'm worried that Navient /XXXX is making it hard for me.
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, National Association (OH)

New York community bank is trying 2 take my home. Underwater mortgage houses in area under value. They say they sent me a loan modification plan which I have not received. Please help me! I have had my home since 2000! Predatory lending at underwater Morgage this is
Consumer complaint received 2015-10-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (TX)

I keep receiving threatening, harassing phone calls from " XXXX '' " XXXX XXXX XXXX '' stating they are going to have me served court papers and have me arrested for non-payment of a payday loan from 2012, as they are stating they have converted this into a " bad-check '' case. They keep calling me from phone # XXXX, again, being very rude and threatening.
Consumer complaint received 2015-05-13
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)

Navient has misapplied my payment in the month of XXXX, XXXX & XXXX. I have been working with them since XXXX to get the payments corrected. As of this time they still have been unable to fix my accounts. My complaint has made its way to the office of customer advocates which I was told is the final level of account escalation with Navient. I do n't know where else to turn for help.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NH)

I have tried numerous times to receive a monthly payment plan that was more suitable for my income and living expenses. They always tell me that I do not qualify and/or that there is nothing I can do to reduce my student loan payment. Because of this I have gone into default and received threatening letters stating my account would face legal issues if not dealt with properly. All I ask is that I can make a monthly payments that are manageable for me. If I can not afford to pay them, it is for a reason. They do not care and are not willing to work with me.