davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

XX/XX/XXXX I graduated from XXXX XXXX University and soon after began my loan repayment through XXXX XXXX. About a year later I became a teacher and applied for the loan forgiveness program. At that ime I was given the information that my XXXX loans would be consolidated and extended to a 20 year term with a monthly payment of {$280.00}. It was my complete understanding that if I made this payment as a public service employee consecutively at XXXX payments, The remainder would be forgiven. I later found out that I did not have XXXX XXXX anymore because it switched to a company called Navient. Navient is telling me that my last payment is on XX/XX/XXXX and that the last for years of public service do not count because my loan was extended. I called XXXX XXXX to get my records and I was told that Navient has everything and XXXX XXXX can do nothing at this point. Navient is giving me a few options, but it has really taken a toll on my financial situation as well as mentally. I find it very difficult to understand that instead of having approximately 5 years left of payments on a student loan, I now have 15 years left. At this point I would be repaying about double my original loan. In addition, my other option is to repay in their program that is aligned to my salary. This would also restart my XXXX payments giving me a total of 14 years of repayments. Navient is telling me that since my loan was extended I did not qualify the past four years, therefore they do n't count towards my loan forgiveness. Even if I show proof of records somehow through XXXX XXXX, Navient made it very clear that this can not be undone. I am a XXXX Veteran and even the Veteran side of Navient can not do anything. I am deeply saddened by this. Please help me in this matter.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I am currently in a loan that was not really disclosed properly by my lender and now i have been trying to find someone anyone to help me get this loan change to a fixed 30yr and have impounds account attached. i have try loan modifications only to be told im current on house payment and have too much equity in my home.due to only my income i evem filed chapter XXXX to pay off all my debts so i can continue to make my mortgage. i was told by a manager at chase due to the bk they ca n't help and ca n't put me in impound acct. my house was not included in the bk and i just need this loan to be turned into a fixed XXXX with impound s and at an affordable rate can manage. i feel chase has not been helpful in this situation so im hoping you will beable to help. thank you
Consumer complaint received 2015-11-03
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has finally approved a Short Sales, offer on my home. they also will provide me with a $ XXXX relocation allowance ( $ XXXX is the maximum HAFFA will allow ). Now I owe the IRS some back taxes. The IRS want to take my $ XXXX moving allowance to satisfy my tax liability. 
But I need this $ XXXX to move rent a house, and secure employment, without it I become a homeless statistic. 
Please convince the IRS that I do not profit from this relocation allowance, and although it sounds like a lot, it really is not. Please convince the IRS, to allow me to keep this, and it is in there best interest, as once I am able to establish full-time employment, that I will at that point, will be able to set up a payment plan to repay, what I owe them.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

Have called Citibank about 2 weeks ago to trace two payments from my account to a third party who claims has not received these payments. I spent more than 30-40 minutes on the first occasion trying to resolve the issue with a phone representative who promised I would receive a notice within 48 hours with the results of the payments trace. When I requested a name, representative id or reference number for our call, the representative could only offer me her first name, but promised me that a record of our call would be logged onto their systems for referral in case the I did not receive the notice promised. More than 2 weeks later no such notice was received. 
I just called again to follow up on this request, speaking to a new representative by the name of XXXX ( she declined to provide me with any other information, including a representative id, or extension number ), who could not find any reference to my previous call and thus had to initiate a new identical request as the previous one, again consuming more than 40 minutes on the phone. Once again, she declined to provide me with a reference number, representative id number of extension number, only saying that she would put a trace and that I should receive a notice within 48 hours. 
Most other companies I have dealt with generally offer a reference number after a customer call, together with a representative id number, so that the issue can be traced back if not resolved adequately. 
Citibank 's process for resolving customer matters requiring follow up are either severely deficient out of organizational incompetence, or more cynically, purposely designed to avoid leaving an accountability trail that could lead to regulatory actions. 
I believe that this matter deserves your attention as it is clearly abusive of the banks customers, as well as possibly abusive of the regulatory process, by designing a system that results in the hiding of these types of issues from regulatory oversight.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

Citi Bank has set up such a ridiculous infinite loop of stupidity that it surprises me that it can operate as a company!!! 

Its XXXX Department needs a Fraud Department to monitor it! 

Upon receiving an automated phone call from that department in response to a recent transaction I had attempted to put through, the questions that the system asked were unanswerable do to the lack of detailed information provided regarding the transactions to verify, however, I still responded as " confirmed '' for those transactions just to try to get it resolved. The " electronic operator '' then states my card is cleared, yet I could not even purchase a bowl of pasta afterwards! Then, when calling the Fraud Department later to talk to live people, I 'm told that the 24/7 fraud department is unavailable and to call back in a few hours!!!! Thank XXXX I was't in an emergency situation!!!!! The Citibank Fraud program needs a serious overhaul, I am sooooo disappointed in this company! And, this in NOT the first time this issue has occurred!
Consumer complaint received 2017-03-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (NC)

I have spent countless hours trying to get this case No : XXXX resolved and the negative information removed from my credit report. In XXXX, CitiFinancial agreed that they had made an error in reporting Account Number XXXX to the credit bureaus. This account was removed from my XXXX and XXXX credit bureaus, however, It is still showing up on my XXXX and is causing my credit score to be lowered because of negative information. I am in the process of purchasing a new home and need this matter resolved ASAP. Please help me " FINALLY and TOTALLY '' get this negative information removed from my credit report. 
Thanks!
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. ()

I have repeatedly tried to close my checking with Citibank and they have not closed it. I am no longer in the United States. This makes handling the matter very difficult. 

I first requested to have the account closed on XX/XX/2016 ( XXXX Eastern Standard Time ) via online chat with a Citibank representative named XXXX. He told me that the account would be closed within 2 business days. I received the cheque with the remaining balance on XX/XX/XXXX ; however, a letter later arrived welcoming me to Citibank, followed by another letter with an ATM card. On XX/XX/XXXX, I posted a letter to Citibank. This letter repeated that I had instructed them to close the account, had not requested a new card, and again, instructed them to close the account. 

I have now received an email on XX/XX/2016, informing me that I have a new message on the online system concerning my account. I can not access this message, as I no longer have the relevant details. I am quite frustrated by this constant back-and-forth across national borders for what should be a simple administrative task. I am also concerned that the account may be accumulating fees, and will therefore create difficulties for me if I attempt to re-enter the US in future.
Consumer complaint received 2015-10-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

On XXXX XXXX, I had a 42 minute conversation with XXXX XXXX about discrepancies I found with Loan Nos. XXXX and XXXX : ( 1 ) after making online payments to XXXX loans on the same date at the same time, the payments for XXXX and XXXX were not being posted on the date that the payment was made while the payment for XXXX was being posted on the date the online payment was made ; and ( 2 ) the interest rate was fluctuating on XXXX and XXXX but not on XXXX which was the same type of variable-rate loan with the same terms. The next day, I sent XXXX XXXX a detailed email regarding these discrepancies asking for his help. On XXXX XXXX, XXXX XXXX called to let me know XXXX XXXX had forwarded my email to him and he would help resolve my concerns. We spoke for XXXX minutes, and XXXX XXXX promised he would get back to me within the week with some answers. By XXXX XXXX, I had not heard back from XXXX XXXX, so I called him and left him a voice mail asking him to call me back. I have yet to hear from XXXX XXXX. In addition, I asked XXXX XXXX how I would know if the interest rate changed, in other words, what kind of notice would I receive. He told me I would have to check my statement each month ; no notice would be sent. I asked XXXX XXXX the same question, and he told me Navient would send a notice to me to let me know. I am not sure who is correct, but I never received any notice letting me know my interest rate was going to change.
Consumer complaint received 2016-11-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DE)

Checking account number : XXXX Account Holder : XXXX XXXX My checking account was opened in XX/XX/2016. I fulfilled opening bonus requirements in XX/XX/2016. I waited for 90 days because the fine print stated it would be posted within 90 days after meeting the requirements. However, I have not received the bonus yet. 

On XX/XX/XXXX, I opened a case with Citi to review my opening bonus not being issued. Reply was that I had met all requirements but my XXXX was not certified. The bonus could not be issued without XXXX certification. 

The next day I sent a mail with XXXX certification to Citi 's XXXX back office as instructed by XXXX of Citi Associates. After XXXX weeks I contacted Citi multiple times to check the status but was told the XXXX was not updated. I asked if there was any alternative way to update XXXX. The Citi Associate told me the only alternative way is an in-person branch visit. The closet branch is over XXXX miles away from where I live. I see no fundamental difference between a mailed-in XXXX certification form and a faxed XXXX. I explained my situation and wished the Citi Associate could understand it and accept fax. However, the Citi XXXX adamantly refused to accept fax. 

So I drove for over XXXX hours on XX/XX/XXXX from XXXX, XXXX to the Citi Branch at XXXX XXXX XXXX, XXXX, XXXX XXXX to update XXXX status in person. I then called in on XX/XX/XXXX to check the status. The Citi Associate told me my XXXX status had not been updated and requested for more patience as it would take XXXX business days to update XXXX. On XXXX, XXXX business had passed since my in-branch visit, I called in again and was told my XXXX status had not been updated. This time the Citi Associate came out another innovative excuse : the in-branch documents I signed would need to be mailed to Citi 's back office so it would take XXXX business days for my XXXX status to be updated. 

At this stage, I do n't know if I can trust anything Citi states. Citi Associates give out misleading and disparate information to customers whenever information fit the situation. Moreover, the efficiency is unbelievably low. While I have been doing everything I can to resolve the issue, Citi has not take any pro-active action at all to help me resolve it since I raised this issue 5 weeks ago.
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WI)

CITI Card account ending XXXX has been billed in error. Please check the original account information for XXXX when this account was established, purchases made and what State and Why it was rolled over as this was reported as a " Rollover " account number. There was no use of any other account or issuance of any other credit card to this XXXX XXXX. 
There may have been identity theft as XXXX XXXX ( account ending XXXX ) only had this account since applying.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A. (NY)

Dear XXXX, This is my formal complaint letter against CITI/STDNT Loan RSRC XXXX because I have contacted CITI/STDNT Loan RSRC CNT for them to remove numerous account information because of incorrect and inaccurate information that appears on my credit report, also the statue of limitation on debts has been expired. The account is closed and the balance is {$0.00}, and there are XXXX or items that appears on my credit reports from all major credit reporting agencies. The CITI/STDNT Loan RSRC CNT has either refused to respond. the following account is the items the CITI/STDNT Loan RSRC CNT has refused to investigate and removed.
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I told citibank I was unemployed and having trouble paying my credit card bill. So they 've been harassing me with phone calls before XXXX asking me repeatedly why ca n't I make my payment. I tell them the same thing every time. I 'm unemployed, do n't qualify for unemployment and have no funds.
Consumer complaint received 2015-09-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (GA)

I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested XXXX times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan.
Consumer complaint received 2016-05-10
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

Unauthorized withdrawal from my checking account - I have a Citi Costco and an online bill paying account. Last month, I had been trying many times to pay online on different days but not successful. I ended up mailing in a check to pay in full. Then I check my citi online account and they took money out from my checking account, I never rec 'd any confirmation ( signed up for text alert for account changes ) ; I am not enrolled in auto pay but it says online that the payment was scheduled on XXXX. That means I paid twice last month. Called last week for the money back, not happening ... then called again today ( XXXX @ XXXX EST ), they told me it would take up to 30 days. Customer Service Rep XXXX was so rude as well, unacceptable!
Consumer complaint received 2016-06-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

I was a member to Citi Bank Credit card, since XX/XX/XXXX member with a credit limit under {$30000.00}. After I lost my job in XX/XX/XXXX I got in touch with the credit card company and asked for help. I was told that I do not qua qualified to receive any help from the credit protection plan, even though I have been charged for a credit protection plan without my permission. 
My account was Illegally charged for so many dollars for so many years. I tried to solve this problem with the Bank through phone calls and letters. My first letter was sent to XXXX XXXX dated XX/XX/XXXX my second letter was sent to Citibank/card services XX/XX/XXXX and my recent was sent XXXX XXXX to XXXX . 
XXXX Credit Management Department. The latest contact that I had was done by phone calling the on the back of my card which is XXXX, After I gave them my name and the credit card number I was told that I was calling the wrong bank, the was the last time I tried to in touch with the bank.
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

CitiMortgage INC has continued to report this incorrectly for years!! All of the late months they report, we were in the Loan Modification program, Harp, Hat something!!! Payments were made each month to their specifications and certified sent by mail! They too almost two years to get this done and then when they finally got us into the program, the terms were different on the loan and if anything changed on the mortgage, if we wanted to sell, they had to approve and I could not rent it!!! My husband died suddenly in XXXX 2011, just a couple of months after getting the reduced interest loan!! He was the soul support of the family and there was no way I could afford on widow 's benifits to stay in the home. I turned it over to the Bank and moved out! I offered deed in lieu of and never have heard from them again!! I want this reporting corrected/changed as this is not true!!!
Consumer complaint received 2016-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.
Consumer complaint received 2015-07-10
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: CITIBANK, N.A. (TX)

I was asked to get a loan for XXXX school that I was attending since I couldnt get assistance from the school since my parents made too much money. I went to citi bank and applied for a loan and they mentioned that me and my mother did not qualify so we went on and I had to drop out because I could n't get any help. two years later I got a bill from the bank saying that I owed them money and I had no idea that I was even approved so I got to talk to the bank and mentioned that they sent the money to the school and I was not informed about the situation now the debt is XXXX and I do n't know what to do I also tried to contact the school and left voice mails and no response back.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

My Macy 's American Express account was taken and used fraudulently. An identity thief called the Amex/Citi customer service line, changed the address of my account XX/XX/2015 and used the card fraudulently. Amex/Citi allowed the thief to compromise my information, changed the information, and then provided them with a new card and mailed it to the fraudulent address. I noticed I had not received the Macy 's statement and called in to report it. I have been unsuccessful after several calls to Amex/citi in having them provide me with a history of the fraudulent activity. I have been at this for a few weeks and I have not been provided the information so that I can submit an affidavit of of fraud with them. My credit scores have deteriorated and Amex/citi who allowed for my information to be compromised has been uncooperative in having this resolved.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Mulitiplea times when i was promised forebearance it was not applied and to this day still negatively applies ro my credit report. I was unable to make payments unless it was an automatic deduction because the system didnt support 1 time payments, making me late. Also the amounts have not been allocated properly. Also the school i went to was closed down and has no accredidation but im still paying.