BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I contacted Macy 's credit card customer service in XXXX. I had been off work for medical issues and needed help making my credit card payments for awhile. I talked to a woman who said she would set me up on a 12 month program. She was reducing my monthly payment to XXXX dollars, lowering my interest rate to 3 percent and moving my due date to the XXXX of every month. In order to do this I had to close my account, which I agreed to do. I logged into the credit card website in XXXX to make my payment, and my account reflected the payment program. I made the XXXX dollar payment as agreed and was charged XXXX dollars and some change in interest. Come XXXX, I log into my account to make my payment. Well now my payment plan looks to be non existant, my account is still closed and I 'm showing as XXXX dollars past due! I desperately try to get anyone to help me. I called over XXXX times and each person told me they could n't help me and to call back. They gave me the number to the department who handles hardship accounts, to which I left a voicemail and never got a return message. I did XXXX online chat sessions, where both people would not help me. I submitted XXXX online secure messages, I sent XXXX complaints to the XXXX. I just do n't know what to do! No one will help me or even acknowledge me!!! This is ruining my credit!! I feel I was lied to, mislead, and tricked into being put on a program and having my account closed when that 's not what actually even happened! I need someone to help me! When you look at my statement for XXXX, it shows a payment plan and 3 % interest, but when you look at my XXXX statement it reflects XXXX dollars of interest, late fees, and past due amounts! This is seriously stressing me out. I feel like they have all this control over my credit and are just ruining it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been with my credit card company Sears for over 20 years.I recently have been having fraud against my account Sears dispute process credited money back to my account then reversed the credits?? I called and complained they canceled my card and refused to send me another one.This happened on Sat XXXX XXXX they said XXXX would be next day aired to me because I needed it asap it never showed up.I called them today XXXX XXXX and they were extremely nasty and rude and were charging me interest on fraudulent charges after a partial credit was given.That was the last time I said i would do business with them and they were disregarding a very important matter and a long time customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Best Buy Credit Card, member since XX/XX/XXXX, was purchased by Citibank. I was charged the annual fee XX/XX/XXXX which covers the card through XXXX XXXX. My card expired in XX/XX/XXXX, I received a notice dated XXXX XXXX that my card would not be renewed due to a review of my credit. While I do not want the card or any account with XXXX, I do think its unfair and deceptive of Citibank to collect my annual fee, notify me after the card expires that my account has not be renewed. Why are they not required to do it prior to collecting the fee? To add more insult, they refuse to reimburse or credit the account for the annual fee. I was told that it could not be done systemically. I spoke to XXXX different customer service reps who all advised me of the same thing. They have also prevented me online access to my account to make a payment and I now have to call or mail my payments by mail. I also contacted them through social media and was promised a call within 48 hours and they have yet to contact me. My tax dollars went to bail out this bank yet they can not do anything to help the average customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Late fee

Complaint:
On XX/XX/XXXX I received an email from XXXX that " Your XXXX Anywhere XXXX ( XXXX ) statement is ready. '' This was the first notification I have ever received from Citi that a statement was available. I received this card on XX/XX/XXXX, when XXXX ended their relationship with XXXX. XXXX transferred my recurring XXXX membership payment to this new card without my knowledge. 

When I logged onto the Citi website to review the XX/XX/XXXX statement I discovered I had been charged {$100.00} in late fees and interest in addition to {$55.00} for the renewal of my XXXX membership on XX/XX/XXXX Despite enrolling in paperless statements when I received the card I had received no previous notices that my statement was avaiable, so I had assumed there had been no charges on the card. 

I attempted to get the late fees removed by discussing it with multiple Citi representitives on the phone and by on-line chat, but all they were willing to do was refund XXXX of the late charges, and only after I paid the current balance. On XX/XX/XXXX I paid {$120.00} and a late charge of {$37.00} was removed from the account. 

I want the remaining late fees and interest of {$65.00} to be credited back to the account. Citi failed to notify me of the outstanding balance until XXXX months and XXXX statement closings after the first statement went unpaid. The only charge ever made on the card was the XXXX membership, which I received no notification of from either Citi or XXXX. If XXXX of the late charges was refunded why not all of them, as they arose from the same incident. 

I have included XXXX statements, XXXX emails and transcript of the chat. 

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-22
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have previously disputed this account and the Kross Lieberman has stated that they did not get the documentation even though I have previously attached the police report and id theft affidavit. I have additionally faxed prior to this complaint all the information pertaining to this fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Company was misallocating payments made. I would make payments and pay an extra amount every month to be applied to the principal amout of loan with highest interest rates. Company would apply this amount to fiture payments on all loans instead of principal of loan with highest interest rate. This occured throughout the months of XXXX XXXX to XXXX XXXX with over 4,000 dollars in payemnts. Contacted loan company multiple times to have this corrected and allocate payments correctly. XXXX XXXX called company again to correct their mistakes. They reallocated payments, but still incorrectly. I was unable to refinance loans through another company due to high balances. XXXX XXXX intrest rates were raised by .25 % on all loans. XXXX XXXX, my parents took out a private loan to pay off my loans through Navient. I now make monthly payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I opened an account with Care Credit to manage high medical bills like dental procedures, etc. My understanding was that if I paid in full each separate charge within 12 months, I would not be charged any interest. I 've been paying $ XXXX/month and thought that the entire balance was close to being paid in full. I was in shock when I saw that {$650.00} in interest had been added to my balance. Some research indicated that CFBP has ordered a {$34.00} million refund to Care Credit Card holders just for this reason, deceptive enrollment. The bank was GE then. It is now Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
This case has been going on for over ten years and little by little Weltman, Weinburg, & Reis co. L.P.A. have been extorting money from my accounts in small increments. They are so sneaky that when I reviewed my credit reports, this debt never even showed as a viable debt to the credit reporting agencies, this could only be reported as an inquiry. This is why I never caught it, regardless of which ever judge agreed to this Judgement, that is fraud! This all stems from an advertisement circular " XXXX '' that I reached out to increase clientele volume at that time. With any and all marketing executions it is always required that you sign off on an advertisement before circulation. The XXXX INC. DBA XXXX XXXX XXXX took my initial signature of proceeding to do business with them and based there entire approach off of that, and they knew that!! there were multiple mistakes made on there part, all of which needed to be corrected but went forward with the circular any way. " They even put the wrong number on the circular '' This company is no longer in business and I am not the only person they have manipulated and taken complete advantage of. this has grown to {$10000.00} in total debt, and the collection firm and the owners of the XXXX XXXX have not only betrayed my trust, but this law firm has colluded with the owners of the XXXX XXXX and creating this trumped up debt. When I walk into the bank now, I am just so mortified, do to the lien that has been placed on my account. This money that was taken was Federal grant money that was given to me for my education on completing by bachelor 's degree in science, with certification in digital integrated marketing. In closing I have always done the right thing since the great fall out I have acquired my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX " Life, Health, Accident, Disability and Annuities '' I am not one to look for an easy way out, I grind out and get things done. These little individuals want something so now they are going to get it.. I WANT CRIMINAL CHARGES BROUGHT AGAINST ALL PARTIES THAT ARE INVOLVED!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Every month XXXX is supposed too update balance and payment history. Citicards fail to update XX/XX/XXXX balance to all XXXX XXXX reporting agency. XXXX, XXXX and XXXX. I Called Citicards and ask for the supervisor who told me there is nothing she can do about it. There is no way for her to get in touch with the credit report department to find out why they did not send the month of the XXXX statement to credit reporting agency. It is Now XXXX and there still is no update for XX/XX/XXXX. It is still showing XX/XX/XXXX statement. Now I am going to be missing history for the month of XX/XX/XXXX for this account XXXX. The balance was supposed to be {$500.00} for the month is XX/XX/XXXX and it never updated and now it the month of XX/XX/XXXX. I attached each Credit reporting agency report to show proof that was no update for the month of XX/XX/XXXX And I sent XX/XX/XXXX billing Statement I want it updated right now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: MT
Product: Credit card
Issue: Other

Complaint:
Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We have been charged 27 times for phone payments 21 Times@XXXX and 6 times@XXXX fromXX/XX/XXXX thru XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/XXXX I opened a new credit card account ( ending in XXXX ) with Sears Citi Credit card. The reason for opening the account was essentially taking advantage of special promotional offer of 0 % interest for 18 months. My opening balance was {$4600.00}, which was the purchase amount of refrigerator, washer and dryer. At the time of opening I was only told that i can carry a balance for interest free for 18 months from XX/XX/XXXX to XX/XX/XXXX. I would like to stress the point that I was not given a chance to read through the contract as it was all shown on a small screen/ credit card swipe machine. Now from what was conveyed to me verbally, I or any reasonable person would infer the you can hold a balance of any amount upto the credit limit for a duration of 18 months interest free. Relying on this information I used this credit card to made more purchases which brought up my balance to roughly {$6000.00}. Now i was expecting that i can carry this amount interest free till XX/XX/XXXX however sometimes later Sears credit card started charging me interest of the amount greater than the opening balance of {$4600.00}. What i felt was that i 've been con as well as being given wrong information about my credit card interest fee/charges and made a material difference in decision making. If i knew that only the opening amount/balance is interest free and not any amount exceeding it then i would n't have used this card to make purchases and should have used my other credit cards to balance the expenses interest free. This make me think that if i was a victim of this wicked trickiness then there must be many who fell for the same cheating promotional offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a couple different collection agencies. Unfortunately I was not aware of the difference at the time because the representatives who contacted me spoke in a mumbled voice and had heavy accents. Bay Area Credit Service stated that I owed them {$2000.00} on XXXX/XXXX/XXXX. I spoke to them on the phone several times however we did not reach an agreement for the settlement. I continued to be contacted, unaware of the new agency, and continued to try to settle. At this time I was being contacted by XXXX who started to contact me on XXXX/XXXX/XXXX in reference to the same account number. Finally on XXXX/XXXX/XXXX I reached a settlement with Bay Area Credit Services to pay my account number XXXX. I received a paid in full receipt and the agreement in writing. The original debt was still the " XXXX XXXX XXXX '' debt I was talking to them about this whole time. Well when I check my credit report I was sent to collections by " Credence '' for the XXXX debt which I thought I had settle earlier that month. Bay Area told me specifically that I was paying my debt from the " XXXX XXXX XXXX '' in full with them in the amount agreed upon. I did not know that part of the debt had been forwarded elsewhere, and they tricked me into believing that I was cleared out this debt in full. Had I known this I would of continued to try to settle the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I opened a Macy 's card in XXXX of 2013. I went in to pay my bill in the store. I told the clerk I wanted to pay my outstanding balance. He instead charged me for the minimum payment. Then Macy 's hit me with a couple of late charges, which after many hours spent contacting people at the Macy 's CC center, I finally spoke with a manager high enough up that was able to help me, and agreed that Macy 's wrongfully reported all lates and would have them completely removed. However, the lates were not fully removed from all XXXX credit bureau 's. Still, to this day, XXXX shows a 30 day late on that card. It has continued to affect my credit, ability to purchase, and get new credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Company Santander is reporting a dept closed for XXXX. I tried calling them they could not tell me what this was for. And could not find me on their records as owing them anything. This is very confusing. I do not owe this amount to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: SYNCHRONY FINANCIAL
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
TJ Maxx serviced by Syncroney bank just put a negative result on my credit report stating that my account was delinquent and they had closed it. I have been negotiating with them for a long time they posted a XXXX XXXX from North Carolina charge on my account for over XXXX I told them this as not my charge and I lived in XXXX not XXXX. I asked for a detailed account statement and I do not owe them anything I should get an attorney because they have damaged my credit and I am not a happy camper

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation