davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-04
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: GUARANTEED RATE INC. (NV)

Guaranteed Rate, Inc., " originated '' a loan on our home XXXX/XXXX/XXXX. Clause # XXXX says if the loan is paid, they are supposed to instruct Trustee to reconvey the house and eliminate all evidence of debt. We sent them a Request of Statement of account, they eventually admitted they had no interest in the property or the mortgage on it-XXXX, XXXX times in XXXX XXXX. Suddenly, after we sent the servicer, XXXX XXXX, a QWR on XXXX/XXXX/XXXX, GRI " assigned '' the mortgage-via MERS, who has no standing in Nevada-XXXX XXXX XXXX. The assignment was supposed to go into a XXXX, was way too late and not allowed even if it had n't been late. Either they lied about having an interest in the note, then assigned it illegally and late, or they told the truth about the note, and allowed XXXX to receive 2.5 years of mortgage payments and threaten foreclosure ( on XXXX/XXXX/XXXX ) when they had no authorization to do so. Also, they purported to be the actual lender, whereas the MERS report shows them as the servicer, nor di did they inform us that XXXX Bank was the lender, so they committed fraud from the very beginning. They also did not deposit the note into the trust as is required by the PSA agreement for XXXX. Furthermore, we sent GRI a Letter of Rescission on XXXX/XXXX/XXXX. They owe us either the XXXX mortgage payments and/or the closing costs. Another clause in the DOT : BORROWER COVENANTS that Borrower is lawfully seised of the estate hereby conveyed and has the right to mortgage, grant and convey the Property and that the Property is unencumbered, except for encumbrances of record. Borrower warrants and will defend generally the title to the Property against all claims and demands, subject to any encumbrances of record. '' I 'm contractually obligated to generally defend the title to the Property against all claims and demands. That is clear cut, and even if it 's ambiguous, the doctrine of " contra proferentem '' is applicable ; ambiguities are to be construed unfavorably to the drafter. GRI drafted the contract, not me.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (WA)

My husband and I submitted investigation requests to Equifax and XXXX XXXX on XX/XX/XXXX. More than 30 days have past, and we have yet to receive responses.
Consumer complaint received 2016-11-29
Product: Virtual currency — Domestic (US) money transfer
Issue: Other service issues — 
Company: Coinbase, Inc. (AL)

I opened an online account with Coinbase to purchase some XXXX. The purchase was made and the transaction completed, and the XXXX was shown in the balance. However, recent attempts to access this account have been blocked. The company has instituted some sort of extra verification code requirement in order to login, and I do not own a device capable of receiving this type of text message. They apparently ASSUMED that my internet-based phone number was for a cell phone, but refuse to either help me or even communicate with me in any way, despite completing their online request form ( twice ) as well as expressing my frustration with them on XXXX different XXXX tags. Zero response.
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

I fell behind on my mortgage after being robbed, and went to a government program for assistance. The program is willing to pay to get my mortgage current but requires a XXXX form to be completed ( a request for US Bank 's tax identification number ). As of date US Bank has not supplied the required document, rather continues to make threats via phone and letters that they are starting the foreclosure on my property/loan. I have been to the nearest branch office as I was advised to do by lender 's customer service hotline, and even the branch manager was unable to get assistance. After much frustration and many transfers the branch manager spoke with someone who told him to fax the document to " XXXX '' who would fill the form out and return it back to the branch manager. The branch manager said he would contact me as soon as the document comes. As of date, the document has never been completed by US Bank and the phone customer service representatives state they can not allow me to make any payments on my account because the company is requiring a full lump sum payment. I have spoke to approximately XXXX different customer service representatives that have given 3 totally different accounts as to why " XXXX '' is the only US rep that can complete the document, why the document has not been forwarded as suggested prior, and there have been at least 2 different " requests for the document '' that has been sent to " XXXX '' since the initial contact about the document, which was XXXX XXXX. Today as the US Bank rep put in another request for the document she stated that it would take a couple of days for the company to complete the document and send the fax back to the branch manager, but I was told in the last call ( I believe on XXXX ) that the document was already completed and " XXXX '' was just waiting for a fax number to send it to. There has been no attempt made by " XXXX '' to either contact me nor the branch manager that faxed the document and was handling the fax and/or document request from the beginning. The branch manager had given the US Bank rep the fax information with the document request on XXXX/XXXX/16, and made it clear in the call he made to customer service that the document was to be returned back to the branch where he would then notify me to pick the completed form up so that the total funds could be released. I am simply requesting that US Bank complete the XXXX ( request for tax identification number ) so that my mortgage payments that are behind can be made to avoid foreclosure. I am also asking that US Bank stop any foreclosure efforts they are attempting due to their lack of providing the required form to release funds. I have notified US Bank on a number of occasions of what is needed to release funds, I have also notified them that I would be contacting the CFPB if they do not comply and still they have not completed the required process for me to get the assistance in making my mortgage payments current.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

Ever since 2013 I have been trying to pay Navient. They would say my payment went through, then I would get statements saying nothing was paid! Then I try and get a hold of someone to fix it and I get transferred to a million different people and STILL no help. 
Once money got tighter for us, i filed for deferment which the lady said I could file twice.So I did. Well it only worked the 1st time. I tried calling and emailing and couldnt get through or no email back. I also tried doing the student loan forgiveness and nobody was able to help me with that either. So I have had ENOUGH.
Consumer complaint received 2016-05-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (SC)

At the time of my purchase I was asked to give XXXX personal references in the event I was unavailable for a phone call. I was told that they would only leave name and a phone number. My finance company have been ask by me on XXXX different occasions not to disclose my personal information to my references. Today, XXXX XXXX, 2016 I was contacted by XXXX of my references stating Coastal Credit LLC, representative XXXX XXXX contact them disclosing that I was delinquent on my vehicle loan payment and my vehicle was subject to repossession.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have Navient formally XXXX and been paying on it since XX/XX/2005. It has not gone down any, I feel the interest I am being charged is not fair and I am not able to make the payments because of this, causing me to default. Please help me! It is ruining my credit. I want to pay back my debt but I am struggling for so many years!!! I keep having to do a forbearance. My monthly payments are killing me.
Consumer complaint received 2016-02-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

My sister was encouraged to take an exorbitant amount of funds out for tuition and room and board, at XXXX University in XXXX, XXXX She graduated with her degree and {$250000.00} in debt for XXXX. She has been employed since graduation making {$30000.00} or less every year. My mother ( her cosigner ) is now burdened by paying over {$2000.00} a month for these loans. She is a nurse and is nearing retirement and is probably not going to be able to afford to retire because of these payments. There is no way my sister can afford $ XXXX/ month when she is only making $ XXXX/month before taxes. After paying taxes and medical insurance, she is taking home less than the minimum payment amount of these loans. There is no option for income based repayment because they are Private loans, not federal.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?
Consumer complaint received 2016-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (LA)

I have XXXX student loans XXXX with XXXX and the other XXXX with XXXX XXXX. XXXX accounts were purchased by Navient. 
Once Navient had possession of the accounts they 've been incorrectly reporting me as delinquent numerous times when I was on deferment and forbearance. I asked them to provide proof of what theyre reporting or remove the incorrect items from my report and they refuse. I called them on XXXX XXXX and a young lady answered the phone and claimed that she would transfer me to the right department that could look further into it and every time she would disconnect the call.. After calling back twice after she conveniently disconnected the call a recording would then pick up instead saying that the the office was now closed for the day at XXXX in the afternoon. Theses people are ridiculous and frivolous.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I signed up for a Citigold checking account with was supposed to give me XXXX XXXX XXXX points when the terms of the account opening were completed. I completed those terms, and now Citi is saying they will not honor my completion. I have contacted them multiple times regarding this promotion and they are refusing to honor it.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened a CitiGold account on XXXX XXXX with an account bonus of XXXX XXXX miles with promo code XXXX. 

In order to be eligible for the bonus, you needed to make least one bill payment for two consecutive months within 60 days of opening your account and make XXXX in debit card purchase. I completed the requirements within 60 days and confirmed multiple times with online reps and through secure messages that I was eligible for the bonus. However, at the time of actually paying out the bonus, Citi said I was not targeted for the promotion. There was no language in the promotion that said anything about being targeted.
Consumer complaint received 2016-03-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (TX)

In XXXX my husband and I received a flier for a special Sears Home Services was having for new windows + installation with approved credit and no interest financing for a period of time. We had done all of our research, had been pre-approved for the loan and were ready to buy the product. The saleswoman came to our house and spent THREE hours on the demonstration, even though we told her exactly what we wanted within the first 15 minutes of her arrival. It was after XXXX when she left and I had an 11 month, a young child, and I was pregnant and told her we just wanted to make it quick. She charged the approximately {$10000.00} to our Sears Credit Line. After she finally left, we were told the contractor would be in touch to schedule the work that week. We never heard from him and called him numerous times. ( XXXX of Sears selling points, btw, is that they use their own contractors - NO - they hire 3rd pary independent contractors. We called the sales woman back, customer service, anyone we could think of. Two months had passed XXXX XXXX and XXXX XXXX - I made payments in both of those months. By XXXX I called Sears and said I would n't make any more payments and that I wanted my money back. The customer service representative was very nice this time and said " let me see what I can do '' - that afternoon we heard from the contractor for the first time. He said he would be out the next week to measure our windows. He did n't come when he said so again we called him multiple times. He finally came later that week to measure and said the windows would be installed the following week. Again, two weeks went by with no calls and no response to my calls, so I called Sears again and said I would n't make a payment until I received my windows or I wanted my money back ( this was the end of XXXX - three months after the purchase - and I did not make a payment that month ). I did not make a payment in the month of XXXX either, though the contractor did come back and say he ordered the wrong windows so it would be another few weeks. Our windows were finally installed in XXXX - 6 months after purchase - they ruined some of the walls around the windows and made a huge mess with the installation, but at least we finally had the windows. I did make payments that XXXX and was never late again. I have requested multiple times that Sears have the derogatory remarks removed from my credit report - they held me and my money hostage and of all of the accounts I have, I have no other late payments. I am trying to refinance my house right now and this is affecting me negatively. Please do what you can to help me have these XXXX late payments from XXXX removed from my credit reports. Thank you for helping me.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

XX/XX/XXXX I signed up for a Citi Gold account with Citi Bank. The promotion code " XXXX '' I opened the account with said that I would receive XXXX Thank You Points after making a bill pay for XXXX consecutive months. 
On XX/XX/XXXX I received confirmation from XXXX XXXX that the promotion was successfully applied to my account. 
On XX/XX/XXXX I confirmed received confirmation from XXXX XXXX that I had fulfilled the terms of the promotion and that I would be receiving my points no later than XXXX/XXXX/XXXX. 
As of XX/XX/XXXX I have not received the points and after contacting Citi, they have refused to honor the terms of their promotion. Instead the bank has continued to string me a long, while charging me $ XXXX/month in fees.
Consumer complaint received 2016-06-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

RE XXXX XXXX CITIBANK CARD : XXXX : RE MY XXXX XXXX CARD, activated as of XXXX : Ca n't login - no such card info. ( Set up wXXXX XXXX via phone ; all I have to do is login XXXX and link accounts if I want them linked ) .Could n't login - message said no such card information on file by XXXX. Called XXXX XXXX card XXXX XXXX & was disconnected 3xs. 
Tried to login to my XXXX XXXX - said information provided does n't match XXXX info ; received a message I tried to login too many times, have to wait at least XXXX hours to try to login again. Called XXXX ( my regular XXXX number, waited 10 min ; tried to talk XXXX XXXX XXXX who was next to impossible to understand. He said he could n't help me - call back in XXXX5 hours because they were " updating all accounts. '' Told me to call XXXX for help with my CitiCard login problems! ABSURD. NOT AS ADVERTISED. INADEQUATE ASSISTANCE. Need to use this XXXX XXXX card that replaced XXXX XXXX XXXX for bill pay and to buy truck gas.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I filed for bankruptcy in XX/XX/2010. I have a Macy 's credit card, which had a zero balance at the time and was not included in the bankruptcy. XXXX is reporting that it was charged off in the bankruptcy with XXXX credit limit. I disputed that. XXXX responded that Macy 's was confirming that their reporting ( bankruptcy ) was accurate & gave me the Macy 's # to follow up. When I called Macy 's they said that the XXXX information was totally inaccurate and that I would not have a Macy 's account if it had been part of a bankruptcy. That credit card should have a perfect score.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (PA)

I filed a complaint against Home Depot for attempting to collect charges made on my charge account that were fraudulent. Citi Bank sent me a letter notifying me the account was re opened and was going to be investigated. Friday I received a letter from Home Depot stating I closed my claim against them and I have agreed to pay the bill. This is not true. I called the number listed on the letter and stated to XXXX that I did not authorize this action. I filled out the paperwork denying the action and faxed it to the number provided. Today I received a letter from a debt collection agency on behalf of Home Depot / Citi Bank and last Thursday I was contacted by a debt collection company trying to collect this debt. 
We are not finished with my open claim. I did not make the charges. We have an open investigation. I am waiting for resolution of this issue. It seems Citibank is railroading me to pay this debt. 
In closing, this claim has not been retracted and Home Depot did not perform their due diligence. This matter was not looked into, the case was opened and nothing else was accomplished on their end. While under investigation this debt is on hold. I do not NOT make the charges not EVER open this account.
Consumer complaint received 2017-01-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

CITI IS THE WORST BANK EVER! They do no care about you as a customer. You are a sales goal! I submitted a credit card application for the CITI Simplicity card under falsely provided information. I was looking for a joint card for my husband and I. I was told this card is not available as a joint card but I could add an authorized user. He stated the authorized user 's credit is pulled, affected, and reported to the bureaus. The sales rep lied to me so that I would submit the app. When I called back to speak to someone to confirm the information I was given, the reps only gave me the correct info. No one ever apologized or tried to offer anything to make the situation better. No one could even tell me who submitted the app! I told the multiple reps I spoke to that the one who took the app lied to me, but no one cared. They all stated they could " document my concern '' but to who and for what, no one could answer.
Consumer complaint received 2015-04-24
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I purchased a vehicle from XXXX XXXX, in XXXX Florida. The vehicle was financed through Citi Financial. XXXX years later in XX/XX/XXXX I was no longer able to make the monthly payments for this vehicle. As a result, I had to have the bank repossess the vehicle. A XXXX months went by and I started to receive calls from Citi Financial regarding this vehicle 's remaining balance, and how it was going to be paid. I told the representative that I was not working at the time but as soon as I got a job I would start making payments. A XXXX days went by, and I started to get harassing phone calls from Citi Financial. I was told by Citi Financial that they were going to garnish my wages, they were going to send the police to my work, and that I was also going to be arrested. I contacted a lawyer, and we took Citi Financial to court. I won my case, and Citi Financial was never to contact me again, and they were also not to report to the credit bureau. Still to this day, it is showing on my credit report the car loan that I had, which was sold to a collection agency. As a result of this being on my credit, it is showing a negative mark against me.
Consumer complaint received 2015-09-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I ran my credit report in XXXX 2015 to find that the Macy 's XXXX # XXXX was still outstanding. I submitted a dispute XXXX along with documentation proving this account was closed and settled by a third party company XXXX XXXX XXXX XXXX XXXX ) I hired to clear my debt. I have contacted Macy 's several times since to clear this delinquency from my credit report. They have not cleared the status and will not provide a direct line to clear the delinquency. This company has advised the dispute be faxed. I have not received a response to the fax submitted. Please assist.
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (SD)

In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.