davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have had a credit card with macys that was opened up in XX/XX/XXXX. I have had used this card many times and was making my payments on time and been very happy with the everything till I received a statement from them XX/XX/XXXX where it showed on statement that I owe over {$2000.00} to macys. I immediately contacted macys and brought their attention that this charges on statement did not belong to me and I assumed everything was taking care off because they send me a new credit card till I got my statement again from macys that shows a balance of over {$2000.00}. since that time I stopped using my macys card and even in even when I was shopping there I start using my visa and master card. I always had a great credit and have no dint in my credit report. Over 5 months ago I decided to get a new phone for myself and I got denied and I was kind of embraced at the same time very angry in what took place. I have a family member which he knows about credit and he told me let 's look at my credit report and I purchased a copy of my credit report and find out that macys has reported my account as charge off. I was so upset we have disputed this account with the credit bureaus and it came back as being updated with same information that my account has been charged off. at this point I need your help to resolve this issue for me. Please help me.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

My loan is being serviced by Citi Mortgage and the owner of my loan is Fannie Mae. I have been trying to get PMI terminated on my loan from almost an year. Every time I start this process, i get different answers from Citi and they blame it on Fannie Mae changing rules. Initially I was told that PMI would be automatically terminated if I pay of extra mortgage payments and when it reaches 80 % LTV without reappraisal or doing anything. I did that then Citi told me that its not possible for automatic termination and I need reappraisal done. Then I requested when would be the scheduled automatic termination of PMI and they said there is no PMI termination without reappraisal. I get different PMI policy letters everytime I request PMI cancellation and they blamed the PMI policy changes on Fannie Mae. I called Fannie Mae requesting the rules and they mentioned the PMI policy changed only once in last year. I also lodged a complain at Fannie Mae and requested them whom should i believe. Currently my loan is lesser than 77.4 % LTV ratio based on original loan value but Citi keeps pushing for reappraisal and not offering automatic PMI termination clause. I need help from Consumer Finance to resolve this issue.
Consumer complaint received 2016-06-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MO)

I signed up for Citibank 's promotional offer to open a CitiGold bank account and was offered XXXX XXXX miles within 90 days of completing the requirement. I completed all the promotional requirements and Citibank is now refusing to honor the promotion.
Consumer complaint received 2016-06-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CT)

Citibank had offered a modification on my equity loan and I agreed that it would certainly help however I was not delinquent at all. My loan was current and I was never late. They told me not to make the XXXX payment and to follow the new schedule and make to start making the payments XXXX/XXXX/2016. Well they completed the modification and reported to the credit agencies that the loan was late! This has now serious affected my ability to purchase a new home. The lender was all set to move forward with my mortgage until they saw the XXXX late payment. I have the 20 % to put down, enough in reserves, was per-approved, never missed a payment on my mortgage or equity loan in twelve years! I need Citibank to remove the " late '' report so the lender will process the loan. Please help!
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

My XXXX-year-old mother incurred a {$29.00} charge on her Sears/Citicorp credit card with payment due on XXXX, 2016. She wrote a check ( # XXXX ) on her XXXX XXXX XXXX account for that amount on XXXX XXXX, and mailed it on XXXX XXXX. Sears/Citicorp acknowledged receipt of the check on XXXX XXXX, a full 10 days after it was mailed. The check cleared on XXXX XXXX. 
As a result of being one day late ( either because of mishandling on the part of USPS or Sear/Citicorp ) my mother incurred a late fee of {$31.00}. Thinking this was a billing error*, she did not contest the fee. As a result the monthly fees mounted, reaching in excess of {$90.00}. 
I have power of attorney for my mother, and she requested that I help her in disputing these fees after she herself attempted unsuccessfully to do so. I sent a copy of the POA via fax to Sears/Citicorp on XXXX XXXX using a number XXXX of their customer service representatives gave me. When I called a week later, their customer service representative indicated that the company did not receive the fax because I used the wrong fax number. She provided me an alternative fax number. On XXXX XXXX I sent the same material to the XXXX numbers I had been given. The company acknowledged receipt in letters to my mother dated XXXX XXXX and XXXX XXXX. 
I subsequently called Sears/Citicorp and requested to have all the late fees waived. They were unwilling to do so, even after learning of the circumstances ( XXXX-year-old cardholder who mailed her payment nine days prior to the due date ). They were willing to waive only one month of fees, leaving me to pay {$62.00} to reduce my mother 's balance to XXXX. 
I understand that, technically, Sears/Citicorp has the right to impose these fees under their agreement with cardholders. However, I find their actions unconscionable. They have potentially damaged the credit score of an XXXX individual who faithfully pays her bills, and have caused her XXXX about the consequences. 
-- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX my mother mailed XXXX additional checks to other vendors ( XXXX XXXX XXXX , XXXX, and XXXX XXXX XXXX XXXX XXXX ), each of which cleared her XXXX account no later than XXXX XXXX. On XXXX XXXX and XXXX my mother mailed XXXX checks ( to XXXX XXXX XXXX, Town of XXXX, and XXXX XXXX XXXX ), each of which cleared on XXXX XXXX.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (SC)

There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (FL)

I had to, unfortunately, settle a deed in lieu of foreclosure with XXXX in XX/XX/XXXX for my home at XXXX, XXXX, Alabama. XXXX accepted the offer of {$12000.00} made by XXXX. At no time while I owned the property was Fay Financial involved in the negotiations. On XX/XX/XXXX the XXXX recorded the deed transfer from myself to XXXX. 

However, in XX/XX/XXXX for the very first time, Fay Financial is appearing on my credit report claiming that I owe them {$180.00}, XXXX. That is clearly a false claim. I have reached out to them many times trying to get them to correct it. The first two times I was able to speak to a representative. The first agent told me she did not understand why Fay Financial would be listed as the owner of the loan. She then started the research process. I was told it would be concluded by XX/XX/XXXX. 

I also inquired with XXXX and received the same response. XXXX has since contacted me with their findings. XXXX 's stance is the property successfully transferred from me to XXXX through the deed in lieu process with no remaining debts. 

At this point, Fay Financial is preventing me from moving forward with the purchase of a new home. Fay Financial and Fay Financial Services is making false claims ; I need Fay Financial to stop procrastinating and correct their error.
Consumer complaint received 2016-08-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Citibank lied to me about a promotion I called Citibank on XX/XX/XXXX morning at XXXX XXXX XXXX and they converted my Day to Day Savings Account to a Savings Plus account and assured me that I was enrolled in XXXX Promotion offer XXXX I called once more on XX/XX/XXXXto confirm and I was assured that I was enrolled On XX/XX/XXXX, I called again to confirm before transferring the money and then their story changed. They said they can not confirm if I was enrolled or not and said they will call me the next day to confirm. On next day, they called me to say that I was NOT enrolled in the above promotion. 

As you can see, they lied to me and have no clue about what they are doing. I want this to stay on their permanent record so other people can also see and learn about their dishonest and corrupt practices
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CO)

went to pay XXXX on phone-said i couldnt acct had gone to citibank-called citibank sad i didnt have to pay in XX/XX/XXXX and there would be no interest as i always paid account in full. got bill fron citibank with interest on it. called said 1st person told wrong info and there would be interest. asked for something in writing said they couldnt give me anything just dont pay. called again told dont pay interest but cant give anything in writing anf must pay total to not be charged next month when innterest credit will be taken off. asked for superisor told none available but would have one call some time. .filled out on line questionnaire with all this info got no response.
Consumer complaint received 2016-01-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (AL)

I called about my VA loan to Citimorgage trying to get ahold of XXXX XXXX who was assigned to my loan. When I asked to be connected to his extention XXXX. The personnel answering phones asked my SSN and Loan number. I said I was trying to get this extention and did n't see a reason for her ( XXXX ) to have this info. She said FCC requires her to get info. She could n't help unless I gave her info. I did then she asked me my intention on my morgage. I said she did n't need to know that either. So I asked to talk to supervisor -- he said the same. I asked to schedule a phone call back from XXXX. It took 45 Min. I kept being asked to give my SSN number and loan. number and other personal info. The reason I am told is it is to protect my account from Fishing -- -how is that? I give me personal info to several people who have no reason for it and it is to protect me? When I complained -- I was told it was required by FCC rules. That is stupid. Everytime I call Citi and I complain -- they hang up, put me on hold, ignore my requests. It took me 45 Min to get a call back scheduled. When I finally talked to XXXX XXXX and complained -- he hung up on me. I sent him 3 emails requesting paperwork on how to send deed back to morgage co. Since they are not cooperating with my Short Sale request. XXXX has ignored my requestes for the paperwork. The VA said I can do a short sale for VA loan or give deed back in lieu of forclosure. But Citibank wont give me paperwork.
Consumer complaint received 2016-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (GA)

I have already filed a complaint against younomics with CFPB where I have stated that I am disputing the loan amount and the interest charged. Complaint Number : XXXX. However, younomics ' agent/affiliate University Accounting Services went ahead and reported to the credit bureaus that I was behind payments. As a result my credit scores have fallen drastically adversely affecting my ability transfer credit card balances to 0 % APR cards and my ability to obtain new loans or advances. I spoke to someone from University Accounting Services yesterday, XXXX XXXX, 2016, to withdraw the reporting, to no avail. Instead they on their own, and without me requesting, have granted forebearance on my account from XXXX/XXXX/2016 to XXXX/XXXX/2016, but claiming that " during Forbearance, interest accrues and is capitalized at the end of the Forbearance period. '' Since I am disputing the debt itself and am complaining about the lack of response from younomics, younomics or its affiliate University Accounting Service should not adversely report to the credit bureaus and should withdraw the adverse reporting done so far.
Consumer complaint received 2017-03-24
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (MD)

I am currently in a Repayment Plan for my Mortgage with M & T Bank who has XXXX XXXX XXXX assigned to my account. In recent correspondence received from M & T Bank dated XXXX/XXXX/XXXX. M & T Bank states that no payment has been made to my account since XXXX/XXXX/XXXX although XXXX affirms payments have been received this Fiscal of XXXX during that period. M & T Bank is reporting delinquency for periods dating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which is inaccurate according XXXX records and what is beig reported to the respective credit bureaus. In addition, there is a suspense balance that resides on my account for {$1000.00} with no clear appropriation for these funds.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (TN)

In  XXXX   XXXX , I began communicati ng to CitiMortgage via web interface, email, and US Postal Service that sale of my home was imminent. I asked multiple times for them to respond in writing to my requests and to acknowledge receipt of information. They did not on any occasion communicate with me, though they DID communicate a payoff amou nt to  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,  XXXX .  Two mo nths payments were missed during this process, as I was unable to make the payments.     On  XXXX   XXXX ,  XXXX , payoff of the mortgage was made in full. Proof of rec eipt by CitiMortgage w as obtained on  XXXX   XXXX ,  XXXX . Nonetheless, foreclosure proceedings were started on  XXXX   XXXX ,  XXXX .  CitiMortgage had  previously used the excuse that their computer systems do n't talk to each other well, so this del ay may have been due to that issue. Despite their internal problem, my credit report has been marred  for nearly 7 years with, " Foreclosure process started. '' The foreclosure service even indicated by phone on  XXXX / XXXX / XXXX  that they were not going to do anything because the account had been closed.     I have tried several times since then to have  CitiMortgage remov e that note, beginning on  XXXX   XXXX ,  XXXX . I have never received any correspondence  from CitiMortage even so much as acknowledging receipt of letters, or answering any of my inquiries. This problem has continued to affect my credit report and score, and needs to be eliminated from my credit report. My   XXXX   child will be starting college in the fall, and I need the credit report to be corrected NOW to prevent it from hampering the student loan process, as it has every year for the past four years.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is Equifax reporting inaccurate and misleading information, but Equifax is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to XXXX XXXX XXXX several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FC HoldCo LLC (MD)

Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TN)

I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (NY)

I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.
Consumer complaint received 2016-04-20
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (TN)

I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.