davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NE)

I have been trying to get my private student loan payments reduced for some time now, I am a single mother of XXXX and can not afford the now $ XXXX month payment. I have requested to the company many time to see if I could get some sort of income based repayment option, but have been repeatedly told there is nothing they can do for me but put my account in forbearance. I have submitted a complaint here before and the only outcome from the company was to call me and tell me again that there was nothing they could do for me because of me having my account in forbearance, my account is up to date and not showing any hardship. The employee stated to me that the company " might '' be able to help me if I let my account fall past due, because only then would it show a hardship and they " might '' be able to lower the payments a little bit. I stated to the employee that I would not default on a loan and the employee told me not to worry about it because they do n't report it to my credit report for 60 days and " hopefully '' they would have been able to do something before then. I again stated I would not default on my loan and the employee stated then there was really nothing else they could do for me. When I got upset that the employee was telling me to default on my loan the employee stated several times that as a company they could not suggest I default on my loan, when I stated that he had just told me it was the only way I " might '' be able to get the payments lowered he stated again as a company we can not suggest you default on a loan but yes the only way to possibly get a payment reduction is to have the account showing hardship like being past due. The employee than stated that when I accepted the loan I signed an agreement to pay back the loan and that I had to be held to that agreement. I stated to the employee that I fully understood what I agreed to and that I had every intention on paying the loan back all I am requesting is lower payments. The employee informed me that they did not have to offer income base repayment options because they are a private loan company. Nothing came of the conversation and I again had to put my loan in forbearance this month.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OH)

I had been using a Best Buy card, provide by Citi, and somehow became two months behind on my payments. They then called my mother, told her my balance, and allowed her to pay on it. I was under the impression that they could not do that. I 'm XXXX, and have no information regarding my parents or their contact info.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc. (NY)

I opened this account around XX/XX/2018 when i first started payments were going well until my checking account was closed. After my checking account closed moneylion reported a late payment. I tried changing my payment methods online there no way too. I called no answer. I kept on trying to make contact for months i even sent in a letter by mail with new payment details and no answer. I sent a check by mail balance unchanged. They recently liquidated my investment account thats part of the moneylion membership/loan and they said i would just pay {$63.00}. Ive tried contacting to pay this amount and after numerous tries i got on the phone after waiting 2 hours and they told me i had to wait 60 days to pay off the rest that they would contact me themselves. Which is absurd theyre charging interest and just scamming and they said theres no way to change payment method and pay off loan now they want to make interest and falsely report to credit. Ive looked them up and a lot of people are saying they got scammed as well. I am looking for lawyers to help me and i want this removed completely from my credit report.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KS)

I signed up for a Citi checking account on XXXX/XXXX/2016. The account offered a {$400.00} bonus if {$15000.00} was deposited within 30 days of opening the account and then kept in the account for 30 consecutive calendar days. The bonus was to be paid within 90 days of successfully completing these requirements. I deposited {$15000.00} into the account on XXXX/XXXX/2016 and no money was transferred out of the account until XXXX/XXXX/2016. As such the bonus should have been paid on XXXX/XXXX/2016 but I have not received it. I have had multiple communications with Citi ( email, online chat, and phone calls ). Each time they confirm that I 've met all of the criteria. They then proceed to open an " investigation '' which they claim will take no more than two days ( the last " investigation '' is currently 5 business days old, this has been similar for the others as well ). Two times ago after their investigation they said I needed to send in a form XXXX to receive the bonus. I have now mailed this form in three different times, the last two times confirming the send-to address with Citi, but Citi tells me they have not received it. The reps I spoke to this time, however, assured me that this would NOT keep me from getting the bonus.
Consumer complaint received 2016-05-30
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016 a payoff check was overnighted to the express payment department of Macy 's. On XXXX XXXX the check was cashed but my account has yet to reflect my payment. I faxed proof of the check ( 6 times ) and it was n't acknowledged until XXXX XXXX. I contacted Macy 's by phone at least 4 times a week for a resolution. Each time I had to tell my story over and over again. I was put on hold so many times for over 40 minutes only to be hung up on. I 've asked to speak to a supervisor but am given the run around each time. Last week they acknowledged my payment, but said it could take up to 2-3 billing cycles for my account to update. I 've been beyond patient and have done everything they have requested. Now I 'm being bombarded with collection calls, even after I tell them each time to read the notes and they assure me I 've been taken off of the auto calls. I do n't understand how an express payment is n't processed in a timely manner. Now it 's reflecting on my credit report that I 'm late with my payments, I 've paid on time each month. Macy 's assured me they would fix the credit reporting but I foresee another slew of phone calls and dead ends to fix the problem. Basically that could be a total of 5-6 months of waiting. I 'm in the process of purchasing my first home and this hindering me from applying for a loan. Macy 's needs to learn from this and understand the XXXX toll it takes on their customers. Hopefully this could be a learning experience for the company.
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I just recently found out the City MORTGAGE AND NATIONAL DEFAULT foreclosed on my property illegally. I was corresponding with CITI MORTGAGE for a modification gave them all the details pertain to my finance. At the same time I asked CITI MORTGAGE AND NATIONAL DEFAULT to validate the debt. The reason why other entities were calling and mention that the loan has been sold. Who do I send payment to? I ask the entities to validate the debt they ignored all my paper work and foreclosed on us. While they were supposedly working with us for a modification. I need to report this asap so they can correct this matter immediately.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I received a notice of collection for my Sears Citibank XXXX XXXX from a collection agency. I never received any notice of payment due, late payment notice or received any email or calls concerning a debt owed Sears prior to the collection notice. I have attempt to contact Sears, Citibank which refers me back to the collection agency who informs me they only have the capacity to collect the debt but not resolve any dispute concerning the debt. I have always paid all my credit card debts in full upon receipt of bill including prior Sears bills. My billing address has not changed and the collection agency used the same to contact me. I am willing to resolve any debt with Sears but unable to speak with anyone who can resolve the issue of failure to bill, notify and contact me about the claimed debt. Attempts to contact Sears/Citibank has resulted in recycling back to Collection agency who is unable to provide a resolution, but only can collect the debt. Sears having the correct mailing address, yet I did not receive a bill or any other attempts to contact me is alarming in light of the fact I received and responded to all correspondence from the collection agency to whom Sears/Citibank provided my information.
Consumer complaint received 2015-09-22
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (VA)

I was given a credit card application in a Best Buy store XX/XX/XXXX. I used that card to purchase a laptop and a few other small items. I was told my card had a limit of {$1500.00}. I was not told anything else and I did not use this card ever again. I was never told there was any promotion tied to the account. When I logged into pay my bill, I noticed that last month my balance went from approximately {$500.00} to over {$1000.00}. This was solely due to a deferred interest charge and attendant finance charges. 

No one from Best Buy ever told me that I was accruing interest or that I needed to pay-off my balance in full by XX/XX/XXXX. If they had, I would have done so. When I called to complain, a Best Buy representative told me this was a common complaint, particularly for customers who were enrolled in paperless statements and he understood why I was misled. He attempted to override the imposition of the interest charges but was unable to do so because of Best Buy corporate policy ( according to this representative ). 

I find it extremely deceptive and abusive to provide no disclosures about the terms of a credit card during holiday shopping season and then, nearly two full years later, apply a 100 % increase to my balance through a deferred finance charge. Had I been told I needed to pay-off my balance in full, I would have done so immediately and avoided this {$500.00} charge.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MN)

I have a Best Buy credit card and made a purchase on a " no interest for XX months '' promotion that expires in XXXX. There is only a small balance left on this promotion. I realized this month that the total balance shown on my monthly statement does not include this outstanding promotional balance. So for several months, I have been paying my balance in full - I thought - but in reality I have only been paying for the last month 's purchases, and my promotional balance has not been paid. I think this is incredibly misleading - my " account balance '' should reflect my entire balance. I should not need to carefully read through my entire statement to find a separate promotional balance.
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XX/XX/2020 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all  accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (IL)

We called Citimortgage, our current lender, to find out about refinancing our home. We asked about the rates as well as questioned whether we had enough equity in our home to get the amount of money we needed. We gave our information to XXXX XXXX, a loan originator, who then looked up our property. He said that our value was {$350000.00} based on a XXXX estimate. We questioned the value and verbalized that the XXXX estimate was far too high ( on more than one occasion ) and XXXX XXXX reassured us that XXXX was " pretty spot on '' with its estimates. We went forward with the loan application and paid the fees for the processing and appraisal. After submitting endless paperwork and hounding the personal processor, XXXX XXXX to keep us up to date with any additional information she may need, the appraisal came back, and it was {$95000.00} less than XXXX estimate. XXXX XXXX then came back with a much smaller loan amount and higher percentage rate assuming we would continue. Needless to say, we felt like this was negligible on Citi 's part. XXXX XXXX prepares home loans as a profession, and we believed in his faith of XXXX estimate. We would have NEVER gone through the process or paid the money to CitiMortgage had we known the real value of our home ; it would have been obvious that the value of our home did not support enough to refinance. I called XXXX manager, XXXX XXXX ( NMLS ID : XXXX ) and stated that I believed it was negligent on Citi 's part to use an estimate that is so inaccurate and requested our money back. After XXXX XXXX listened to the audio from our calls with XXXX XXXX he agreed ( while not admitting fault on Citi 's behalf ) to refund our money. Since then, I have emailed XXXX XXXX weekly for well over one month and received various statuses regarding the refund I was promised. Ie. " Team overlooked decline note '', " reprocessed ''. I feel as though CitiMortgage/XXXX XXXX should keep their word and refund the money. The last correspondence I had with him was Wednesday, XXXX XXXX, 2017, where XXXX XXXX said he " resubmitted the refund on XXXX/XXXX/2017 and it should be credited to the card in a few days ''. My husband called the following Monday XXXX/XXXX/2017 and XXXX XXXX said the same thing. It is now Friday, XXXX XXXX, 2017, and well over 30 days from when we were originally promised our money back by XXXX XXXX.
Consumer complaint received 2016-04-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (CA)

On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I'm trying to access Equifax. I've signed up to their web site. But system showed me an error about my account after some verification questions. Non of questions were related with me. I have accessed a person by phone to take help ( which was very difficult ) they told me to send some documents as an identification proof. I've sent them 3 weeks ago. Nothing has changed. Later, I've accessed by phone again. They told that they did not receive or they did not start evaluation about my documents. I've learned my Equifax credit reports from an app ( XXXX XXXX ). There are some hard inquiries and I will dispute them. When I start a dispute process on Equifax web site, it warns me that I have an account and I must login. But when I login, system tells to call a number to solve verification problem. Now I'm in a vicious cycle. And Equifax is doing the worst..
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (IL)

Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. JPMCB CARD Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on Equifax as XXXX, and this shows on XXXX  as XXXX XXXX  - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both Equifax and XXXX  -- but shows as reported to the Credit Bureau of Equifax on XX/XX/19 and XXXX on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.
Consumer complaint received 2017-01-23
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (CO)

My husband and I applied for a re-finance loan with our current lender. Jumping through all the hoops that we have with them to get all the documentation to them in time to close, they have now requested that on the application, in the declarations sections we must check yes to XXXX and XXXX since we had a Short Sale. Then though we DID NOT have a foreclosure. They told us to do so or no loan.