davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-23
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Lending Club Corp (MO)

Long story short my dentist referred me to a loan company to pay for some dental work ( XXXX for XXXX ) he would do for me the next day. The loan was funded for {$7000.00} to the dentist. Before the close of business that very same day I called the dentist and spoke to his staff to say I changed my mind and I did not want the to do the XXXX. The next morning I called the loan company and the loan company said they could NOT cancel the loan since the money already went to the dentist. I called the dentist office to tell them this to ask for a refund of my {$500.00} in cash I gave them the day before and they said the dentist would call me. Well he called me 3 days short of a month later and said he " incurred some cost '' before I cancelled my appointment. He said he would cancel the loan with the loan company and give me a partial refund of my {$500.00}. This never happened. I have called his office many times since XXXX XXXX when this first started. Now the loan company is calling me to pay off the loan. I did not receive anything for this loan and I did not receive the money. My dental insurance company paid the dentist approximately {$150.00} for the examination that day, so he can not claim he received nothing for my visit that day. I received nothing that day. The loan company is calling me up to 5 times a day including Saturday and Sunday. That is the basis for the claim these collection calls are not fair, the dentist has my money, and he has now contributed or the loan company to negative information on my credit report. 
The following is a longer version with some additional information : On the morning of XXXX XXXX, 2016 my dentist, XXXX XXXX XXXX, after a brief examination, said I had a broken crown and I needed a XXXX. In fact he said I could use XXXX on the other side of my mouth. After he told me that the total cost is {$7500.00} I told him I did not have enough money. He referred me to his staff to secure a loan with the Lending Club. I signed a paper and his staff spoke to the loan company on the phone, I did not talk to them at that time. 
My initial examination was XXXX XXXX, 2016 and the loan was funded that BEFORE the procedure ... .about three weeks later I received a letter from the Lending Club saying " sorry my loan application has been DECLINED, yet now they are calling me for payments when they gave the money to my dentist.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

I applied for a bestbuy credit card and made an online purchase the same day. The card was mailed to my condo instead of my mailing address. It got returned by the post office. I called bestbuy to setup an online account so I could make a payment and they would n't let me do it without giving them the full card number. Now the payment due date has passed and they will not accept my payment over the phone unless I give them my checking account number. 

my issue is that I 'm late with a payment because they did not get the card to me. I still do n't have the card after XXXX months. They were able to do a purchase over the phone but ca n't assist me in setting up my online account.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MA)

I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.
Consumer complaint received 2017-03-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

I paid off my Macys Credit on XX/XX/2017, payment for the balance due had to be received by Macy 's on XX/XX/2017. To my surprise I received a {$2.00} statement from Macy 's at the end of XX/XX/XXXX for {$2.00} then in XX/XX/XXXX for another {$2.00} and now in XX/XX/XXXX for another {$2.00}. I called in XX/XX/XXXX and they said they would remove the charge, so I did not pay. In XX/XX/XXXX I did not call so I called again in XX/XX/XXXX. Now they say that it is interest due from my last statement ... .so why do they keep billing me for additional {$2.00} every month. I have paid off other credit cards and when I pay the balance due before the due date that is it! I do n't get another statement from them again unless I use the card again. I really think this is a total scam. I feel robbed. I know it is just {$6.00} but I feel it is just not right. I can see from other complaints that this is what they do with everybody. I can only imagine all those who do n't complain and just keep on paying the {$2.00}. I paid the {$6.00} due because this is affecting my credit ( I know they will report me for the {$2.00} being past 30 days ). Somebody needs to do something and stop Macy 's from doing this. This is just not fair to the consumer.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer.
Consumer complaint received 2016-10-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/16, I received an e-mail indicating a potentially fraudulent charge to my Citi credit card. I called on XXXX/XXXX/16 to tell them the charge was fraudulent. In addition, there was another fraudulent charge. They stated that they would need to close this card and issue a new XXXX. I am traveling and need this card to charge expenses. I asked them to overnight a new card to the hotel I would be staying at and that I needed to charge an airline ticket for work. They put me on hold for 30 minutes to get a Supervisor. If they are this under staffed in the fraud department maybe the CFPB should examine their procedures and response times. Is fraud something the people should put with and the government and banks are above the law? These banks, credit card companies and the government is nothing but a crime syndicate.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

My husband and I opened a promotional checking accounts and credit card accounts with Citibank. With us following specific requirements laid out by Citibank, if followed, we would receive XXXX XXXX XXXX miles which would be credited to our XXXX XXXX rewards accounts. We completed the requirements and have written confirmation from Citibank that we were to receive the XXXX miles on XXXX XXXX, XXXX, 90 days after our completion of their requirements. This email from Citibank was dated XXXX/XXXX/XXXX which acknowledges this. The email from XXXX XXXX XXXX from Citibank states " I can confirm that you satisfied the requirements for our promotion code to earn the bonus XXXX AAdvantage miles. '' I have attached all correspondence for your reference. On XXXX XXXX, XXXX, after we inquired as to why our miles had not posted to our XXXX XXXX miles account, Citibank sent correspondence saying that they have " determined that you are not eligible for the promotional incentives. '' This is after they have charged us their servicing fees and advised us in writing that we would receive them. I am attaching all the documentation and correspondence to this complaint. 

We have place several calls and lodged several complaints with Citibank internally, the latest being Monday, XXXX XXXX in which we are still waiting for a call back. The manager escalating this within Citibank ( XXXX in the Kentucky office ) will not give us a contact number to reach out to him for follow up, nor will he allow us to fax or email the correspondence Citibank sent to us in order to expedite the process. At this point, it seems we have hit a wall with Citibank 's lack of response and have no recourse but to formally complain through the CFPB. A satisfactory resolution would be for Citibank to give my husband his XXXX XXXX miles and myself my XXXX which Citibank promised back in XXXX of XXXX and XXXX of XXXX. Citibank expected us to honor our commitments to them, it seems only fitting that Citibank honors the commitments they made to us.
Consumer complaint received 2016-03-30
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (PA)

We sent paper work three or for times, had four closing dates the last one was not canceled til XXXX XXXX when closing was set to happen at XXXX XXXX paper work was not right and the seem to come up with a closing cost that should have been our sellers assist plus the sellers took money of for repairs and some how our closing cost was almost {$7000.00} more then were told or expected which put off us doing some really needed repairs. It took a extra month to close and almost lost the house cause the sellers almost pulled out. It really cause my wife and myself some real stressful moments.
Consumer complaint received 2016-02-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (IL)

On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, 2016, I used a Citibank Best Buy credit card. The Best Buy first purchase offer was 10 % in reward points for the purchase. I only received 5 % in rewards points. I was told that the item I tried to purchase was n't available for purchase in the store. It was only available online. However, when I tried to buy it online ( {$990.00} ) my {$1000.00} credit limit was insufficient due to sales tax. I was denied the {$49.00} credit limit increase. I was also not advised that I could simply apply {$49.00} in gift cards - then use the credit card. I was speaking with XXXX with Best Buy today and he referred me to a supervisor, XXXX who gave no date on resolution -Case ID # XXXX
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I have a first mortgage with Ocwen Loan Servicing LLC . my payments are due on the XXXX of each month with a grace period without an additional fee on the XXXX. Due to my payroll schedule and other bills that re due before this payment I choose to make these payments on the XXXX and sometimes a few days sooner. I always use my online bill pay to make these payments and receive confirmation that the bills are paid from my lender. Sometimes, but not consistently, I receive notification via email that my payment was received by Ocwen. However, recently, as of about 4 months ago, I have been receiving letters in he mail from Ocwen looking for remittance on my payment. The letter offers me credit counseling services and at the bottom states : " this communication is from a debt collector attempting to collect a debt ; any information obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been discharged through bankruptcy, this communication is not intended as and does not constitute an attempt to collect debt. '' I am not in default, in fact my payments are made each month without a late fee. Since I am allowed the grace period, I should not be harassed by these letters of collection. When I get these letters I worry that my electronic bill pay was not processed timely until I check my account. I would expect such a notice if my payments were currently in default or extremely past due, which they are not. These letter should be sent on a case by case basis, not as a general mass mailing and only for those that show as delinquent. I am aware that my payments are calculated based on the XXXX of the month and there may be additional interest added to the term of the loan. But I am given the right and the option of a payment made on or before the XXXX of the month without a late fee. Do you send these letters out to people that make their payments on the XXXX, XXXX, XXXX, XXXX ....? Technically anyone who falls within that grace period would be receiving these and that is not right. We are aware of the terms of our loans, trust me, if we incur a late fee it definitely makes us aware. I 'm sure you have customers in default to the point that they are in the foreclosure process. I do not qualify as part of this group. I would like the notices to stop.
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NE)

I have been trying to contact Macy 's customer service about my account and they always hang up on me. All I want them to do is correct my account which they are refusing to do. Whenever I call, my hold time has been over 20 minutes, and then while I am speaking to a customer representative, they hang up ( I can always hear them talking in the background, before they place me on hold again, before even talking to me ). My available credit and my charges do not equal my credit limit, so my a payment was not posted/or taken into consideration. I will never do business with them again once I pay my account off and close it.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (NC)

I am a victim of fraud by Wells Fargo Bank. My account ending in XXXX was supposed to be a Saving account and then it was turned to a credit card. The representative told me that it would be treated as a Saving Account. Instead I received a Master Card in the mail with a 15 percent APR. After reviewing the recent scandal with accounts, I am too a victim of fraud. My APR is now 25 percent and this is not what I initially was informed my {$5000.00} would be used for. I would like to be included in any lawsuit pending against Wells Fargo and I have closed this account. Additionally, Wells Fargo reps have violated Fair Credit and Reporting Law by negatively reporting this account late even though I disputed the debt. Additionally, they continued to contact me after I repeatedly told them not to contact me by telephone after reps were rude and disrespectful. I want this account off my credit report.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

My wife had her cards lost or stollen. We contacted the banks we do business with, all of them EXCEPT for XXXX were super helpful. 

Wells Fargo kept her on hold for over an hour and ultimately REFUSED to suspend the card. We then requested to cancel the account to prevent any unauthorized charges, they refused that also. We spoke with supervisors and other groups, nobody could assist.
Consumer complaint received 2016-03-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

XX/XX/2015 I open a checking and a savings account at wellsfargo, location branch, XXXX ga, in XX/XX/XXXX a separate checking and savings was open in my name using my personal information by a representative of wellsfargo in XXXX ga branch, the original account numbers for the accounts I opened is these are the accounts I opened up XX/XX/2015 I personally opened .these accounts in XX/XX/XXXX was opened fraudulently by a rep in wellsfargo the rep even called me on the phone and told me he had opened these accounts we had argued I told him he illegally open theses accounts with out my consent or permission he used my personal information, this guy gave me a problem and the manager did not wanted to help I tried to report it, I was blowed off nobody wanted to help, I even tried calling on the phone transferred constantly to different departments and hung up on and treated badly by reps, I have been in branch several times to talk to the branch XXXX every time she was unvailable and ignored the fact that identity fraud had accured .i have been having problems with wellsfargo about this I have discussed the situation with law enforcement and a couple of attorneys, the damage has been done theses accounts were opened and my information used wellsfargo needs to settle this if I do n't get a response I will proceed to discuss with an attorney about this case, the situation has not been rectified, I am holding wellsfargo responsible for this action, I have talk with wellsfargo over the phone the only thing I 'm being told is that theses accounts would be removed from my profile and out of my name this still does not rectify what 's happen the moment the rep used my information the damage was done, have been getting nothing but hassle and nothing resolved like I 'm being brushed off and treated badly I 'm tired of it or I will also file with different consumer agencies and report this to a few news stations, I will file this situation with, CFPB, FTC, GOFCP, please resolve
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MN)

The MN Statute allows that creditors charge no more than {$30.00} for an overdraft or NSF fee. How are banks in MN charging more than this? I have seen fees as high as {$38.00}.
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Health Corporation (OH)

I got a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX They said they are collecting a debt of {$710.00} and if I do n't pay it they ill report it to Credit Bureaus. They did n't tell me what the debt is from. When I called the number on the bill it went to voice mail. I 'm not sure if this is a legitimate company. I googled the name of the company and found another number to contact them. Gave them the reference number on the letter representative wanted my social security number, which I refused to give it to him. He said he ca n't help me if I do n't give it to him. I said I do n't know if this is a legit company. He transferred me, the next person verified my social and said they will send a more detailed report.