davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (DC)

I opened a line of credit at Macy 's and purchased a single item. I paid the bill I received in full, but continued to receive statements reflecting a small balance ( i.e., under {$4.00} ). I called the Macy 's XXXX and paid the card off in full ( again ), and continued to receive statements reflecting a small balance. I called today XXXX XXXX XXXX, 2016 ), and the Macy 's representative admitted that her records showed that I had paid the bill in full in XXXX ; she therefore " waived '' the balance of {$4.00} reflected in my XXXX statement. Once the Macy 's representative " waived '' my remaining balance, I cancelled the account. I wonder whether Macy 's is charging other people interest payments on zero balances.
Consumer complaint received 2016-05-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I signed up for a Citibank Citigold account in XXXX XXXX partly because they had a promotion offering XXXX ThankYou Points if you met certain requirements such as paying a bill online. I met the requirements in XXXX XXXX and Citibank confirmed in writing ( via their secure E-Communications messaging system on their website ) that I met the requirements and I was eligible for the bonus. In fact, this was confirmed twice after I asked them where the points were because they did not post as they stated. I have attached those messages which also has the promotional ID that I am eligible for. 

I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.
Consumer complaint received 2020-12-21
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. (FL)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

Back in XX/XX/2016 I did not receive my credit card statement from Citibank in a timely Matter. By the time I was notified the account was over 31 days past due. I made payment as soon as I was notified. I have never missed payment on anything ever in my life. I called and spoke with someone in XX/XX/XXXX because I am applying for a mortgage and explained what happened. That person assured me that the account would be updated and they would remove late from my credit report. I called back and spoke with XXXX other people was explained the same thing it would be removed. So I paid for a rate lock extension of {$3000.00} only to get a letter several days later saying no they are not going to remove it. They committed to something which they have recorded on tape and now wo n't stick to it costing me extra money.
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY (GA)

American Express billed me fora debt that is not mine. I filed a complaint with ConsumerProtection Agency and AMex closed all my Credit Cards which I have kept a XXXX balance for years and also reported it to the credit bureau. This was not my debt and now my credit score which wS over XXXX has dropped to XXXX because they were upset about me filing the complaint and now they have turned it over to an outside collection agency without notifying me. I did not make this debt yet they are holding me responsible.
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (TN)

I closed my XXXX continentalfinance.net card about 13 months ago due to an extremely high yearly fee that I could not afford anymore to focus on paying down the balance. Since then I have been focused on paying the balance off at 30 % interest. I noticed unfortunately that they have been charging me a $ XXXX monthly maintenance fee ever since I closed the card even though the card is not being used. I asked that they remove the $ XXXX monthly fee because card is not active and they refused. I want the $ XXXX  monthly fee removed for the past 13 months. I spoke with two supervisors, one by the name of XXXX XXXX.
Consumer complaint received 2020-12-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I used my car title to secure a loan of {$3000.00} on XXXX XXXX. I have been making monthly payments of $ XXXX {$450.00} since XXXX. Yet this company says I still owe a debt of {$3100.00}. I calculate that as of today XXXX I have paid them over {$8000.00}. 

This company is unconscionable taking advantage of me, with their predator, fraudlent business tactics. I have asked them several times to lower interest rate and settle for different payoff method, they are not willing to arbitrate with me. 

The Lender Company is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX The Payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

I recently successfully completed a chapter XXXX bankruptcy plan. During my plan, my mortgage company was sold from XXXX XXXX M & T. Since my loan was purchased by M & T, I have had XXXX problem after another. While my bankruptcy was still active, I did n't receive anything other than what was basically a blank statement. Although I continued to make my mortgage payments to them directly, they never reflected my payment, balance, interest or escrow information on my monthly statements. Once my bankruptcy was completed, they dropped off an envelope on my doorstep and the only information on it was a handwritten name of M & T and a phone number. This was my first notice that there was a problem with my mortgage account. It took me two weeks to get a hold of them. When I talked to the asset manager I was told that she did n't see any payments missed on my account, it was probably a clerical error and she would have to request a complete payment history which would take 2 weeks. During this time, I applied to refinance my home. During the underwriting process, my loan was put on hold because M & T reported to the prospective loan company that I was XXXX payments behind. Again, it took me a week to reach someone at M & T. I was told they received the payment history and that I had n't missed any payments with them. Around XXXX, they advised they would have to send the dispute to the escalation department which would take an additional 2 weeks. Within a few days I received a letter from M & T stating that I would have a resolution on XXXX XXXX. On XXXX XXXX I called and they still had no resolution for me. I was told this day after day for several days until I requested it to be escalated to a supervisor. I was then given a firm resolution date of XXXX XXXX. It is now XXXX XXXX and I still do not yet have a resolution. It has been 3 months now since I have been trying to figure this out. I have received XXXX more " doorstep '' notices since the first XXXX with no actual information on them and no information from M & T stating why the status of my account is showing that we are behind. This has ruined my opportunity to refinance my home. I feel that it is a business tactic to either foreclose on my property or keep me from refinancing. It has been very, very difficult to get a hold of them and/or to wait for a return call which rarely comes. It has been more than a reasonable amount of time for them to complete their investigation and explain to me their position on the status of my loan.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IL)

Equifax Hacking issue : According to the Equifax website, my husband and I are both affected by the Equifax hack. We decided to do security freezes with all 3 agencies. I tried for 2 days to call Equifax, waiting on hold for over an hour multiple times and was unsucessful. I tried doing a security freeze online multiple times but kept receiving the message, " System Currently Unavailable -- Error 500 ''. I finally reached someone on the phone number listed on the Equifax cybersecurity website, XXXX. I spoke with a supervisor, XXXX, who told me they are only there to refer people back to the website. I told him the website does not work and he said there was nothing he could do. 

SO, Equifax took our confidential financial information without our permission, they were irresponsible with it and their system was hacked, they waited 6 weeks to tell consumers while the CEO sold his Equifax stock. Now nearly 8 weeks have gone by and many consumers, including us, are still unable to protect their confidential financial information. 
Oh, and we are being CHARGED to institute freezes on our credit. Even if Equifax reimburses us, XXXX and XXXX will still charge us.
Consumer complaint received 2020-12-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I graduated in XXXX, with five loans from XXXX. The total amount borrowed when I graduated was {$18000.00}. As of today, after going through a rough patch, relying on deferments on forbearances, I owe {$32000.00}. This is after paying {$4400.00}, so Ive accrued {$18000.00} worth of interest and penalties. Thats almost as much as I borrowed initially. 

I need this loan to be more manageable. I thought I would eventually qualify for student loan forgiveness based on my public service of working in XXXX  for four years and XXXX  for three years ; however, based on how the loans are structured, the loan will not be forgiven. 

There should be some type of cap on the amount student loan servicers can charge for interest and penalties. The amount I've accrued is 95.9 % of the actual loan. Something needs to give because I know I'm not the only one with this heavy burden. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (NJ)

I originally received a phone call from Harris and Harris ( debt collection company ) on my home phone. When I called back they said it was for my son who has not lived at our address, or in the same state, for 10 years. I asked him to call them which he did. He never got an answer. He said he has no debt, has never received a letter of collection. Now I am getting the same calls on my cell phone ( XXXX ). I always have the same recording which says they are debt collectors and to call them. I called them today. You do n't get a live person to speak with, just a voicemail you can leave. I left the message that I would be filing a complaint against them today. I also do not have any debt and have never received any past due notices for anything. This appears to me to be a scam to collect money from unsuspecting consumers.
Consumer complaint received 2016-05-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OR)

This company ( Macy 's ) calls XXXX 5 times a day. I 've answered and told them I 'll give them their money, but the calls keep coming to the point where it 's interrupting my day. When they say they 'll stop calling, they call me from a different number from a different state. I 've already had to block XXXX different numbers from them. Its getting out of hand.
Consumer complaint received 2021-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

Several calls throughout the last 2 years to fix the management of our accounts. Several payments have been " lost '' or not applied to account or applied to incorrect account. Finance charges are incorrectly applied to monthly billing/payments. Fees erroneously or incorrectly applied. Payoff amount is incorrect. 
First contact made about these issues XX/XX/2019.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

Hi, I applied for my credit card when the offer on the website showed specifically that I would get XXXX XXXX XXXX Miles after spending {$0.00}. The bank later started saying that the offer is for spending {$5000.00} and not {$0.00}. I have sent confirmation and also confirmed from several representatives and for 6 months, every month i am told it will be deposited next month but it never happens.
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: HOVG, LLC (FL)

Went to an XXXX and was not told the Dr treating me was not in my insurance plan even though the hospital is in my plan. Got bill for $ XXXX+ and tried to dispute with my insurance company and hospital. Time went by and got denied by insurance company. In the meantime got a settlement offer from the hospital. Bill was paid immediately via the hospitals website. Started getting collection calls from Bay Area Credit. Multiple calls per day on home and cell phone. Indicated I had paid debt. They then said there were XXXX debts for the XXXX and i paid XXXX but not the other. We never received XXXX bills only the XXXX.
Consumer complaint received 2021-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AA)

Every 2-3 months for the past two years my TransUnion XXXX score fluctuates by 30-36 points. In the past, I have requested full credit reports, but there is no clear information as to the frequent and large fluctuation. I called TransUnion and the agent said it's because I have no real estate credit -- I've never had real estate credit so this clearly doesn't explain the constant 30-36 point jump from month to month. She also said that it was because the age of my oldest line of credit is too new. My oldest line of credit is more than 15 years old and that account hasn't been close, nor is it reported as closed in my TransUnion account, so this doesn't explain the frequent jump in credit. The only change from month-to-month is credit usage, with is almost always between 0-3 % -- again, doesn't explain the jump. The agent then told me that I need to just order a new credit report because she couldn't explain the factors in my case. She said the company " uses math tools '' to calculate and that why there's a fluctuation.
Consumer complaint received 2015-06-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WA)

how do i get credit card companies to stop sending me " balance transfer checks. '' despite having called all of my credit card companies and told them to stop sending me all balance transfer offers, i am still receiving them from XXXX and from citi. is this a common practice?
Consumer complaint received 2021-01-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I have owed a debt of around {$2700.00} on what used to be a XXXX XXXX credit card for about a year now. Due to being in the XXXX XXXX, COVID has severely limited my options for paying off debts as what once would have been disposable income is now my rainy day fund. 

Despite this, Portfolio Recovery Services LLC continues to call me upwards of ten times per day always using spoofed phone numbers. The only number they've called me on that I actually get a response for is the 1-800 number. Every other number they've ever called me on was a fake line that wasn't even being recorded.
Consumer complaint received 2015-10-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

XXXX XXXX bought a credit card account from XXXX XXXX I opened in XX/XX/XXXX. The account has never been any activity on the account since XX/XX/XXXX. As of XX/XX/XXXX, the statue of limitation is expired and should be removed from my credit bureaus. 

XXXX XXXX XXXX. has fraudulently made payments to an account that is outside the statue of limitation. A payment of {$1.00} was made by XXXX XXXX to the account to bring the account current. 

XXXX XXXX then proceeded threaten to suit me and finally file a law suit against me.
Consumer complaint received 2016-04-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I was not aware of debt until XXXX 2016, when I ran my credit report then I learned couple of collection claims on my credit report I immediately contacted the bank ( XXXX Bank ) and their collection company Midland funding to provide me with the validity of XXXX collections claims and since I do n't have or utilized the credit or received any goods, monies and services of their claims, I requested them remove the validity of any such claims from my credit report.
Consumer complaint received 2016-07-05
Product: Prepaid card — Mobile wallet
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX XXXX, I lost a loved one so I had friends and family send me money to help pay for the funeral. Every single person who has sent me funds, I have sent money back to them. During the first week of XXXX I looked through my statements to see if I have missed any uncleared payments, I then realized XXXX transactions which caught my attention. The XXXX transactions I did not recognize pulled {$200.00}, {$240.00}, and {$300.00} from my account on XXXX XXXX, 2016. I then notified American Express on XXXX XXXX regarding these transactions but first I told them I would like to double check all of my paperwork just to see if it was just me making mistakes. I then contacted AMX on XXXX XXXX, 2016 to notify them that these were unauthorized transactions and were clearly not my doing. First of all XXXX of the transactions were sent to XXXX seperate people with the same last names and the last transaction was done after the first XXXX transactions. AMX clearly walked me through in changing my entire account information which I was grateful for. I was then promised to wait XXXX48 hours and I should be receiving a notice through email or a phone call regarding the status. Every single day I have called American Express and they have been giving me the original routine as in " follow up ''. It is now XXXX XXXX, 2016 and I have no received a single email or phone call regarding my case and I have called around 30 times already, spoke with countless managers supervisors and customer service agents and they all told me the same thing. " within 10 business days if we need more time we will grant you provisional credit until the case is solved which can take 45 calender days ''. Never happened.. As a consumer I know my rights, within XXXX10 business days if a bank needs more time you are supposed to be granted provisional credit until the investigation is completed, this is also known as Regulation E. Until today it has been 21+ days already and I have not received any email, phone calls, messages regarding my dispute. As a single parent, when a person is promised to at least an email regarding lost funds, that person will check up on it. It 's a human instinct, and how I even got into this situation is just really unfortunate. So please if possible I understand it may take days for me to get my money back, but in reality all i am really just asking for is a email regarding my case, a " XXXX we have received your notifications and we are currently working on your case '', A simple email or message like that is all I need at the least to be honest with you.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Relay Financial (US), Corp. (CA)

XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( our XXXX XXXX XXXX company ) opened a business checking account with Relay Bank. {$33000.00} money transferred from our XXXX Business account to Relay Bank. 

XX/XX/2023 - Our Relay bank acct was frozen by onboarding specialist, XXXX XXXX. She emailed only one of the business managers ( not the owner that managed bank accounts ) to state that she needed a bank statement showing source of funds ( $ XXXX ). 

XX/XX/2023 - Multiple bank statements ( XXXX XXXXXXXX, XXXX ) was emailed by me to XXXX XXXX, onboarding specialist. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review. 

XX/XX/2023- XXXX email requesting for full bank statement XXXX. I explained to her this was already sent and resent. I requested to speak to her over the phone for her manager. $ XXXX still frozen. 

XX/XX/2023 - XXXX emailed stating information under review again. 

XX/XX/2023 - XXXX stated acct is cleared. Account still frozen.
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, I received my XX/XX/XXXX Macy 's statement and the only charge on the card was a purchase I did not make. I did n't even recognize the location ( I live in XXXX and the purchase was made in XXXX, XXXX XXXX. I spent over 35 minutes on the phone on XXXX/XXXX/XXXX trying to report the fraud and close my account. In spite of that effort, I received a new card in the mail the following week. Then my XX/XX/XXXX statement arrived in the mail, and the fraudulent purchase had been transferred to the new account along with a late fee and interest charge. I called again on XXXX/XXXX/XXXX and this time it took me over an hour to speak with XXXX different people in an effort to resolve this issue. I was told I would receive paperwork in the mail within 10 business days that needed to be signed and returned, but as of today, XXXX/XXXX/XXXX, I have not received anything. I also asked about the late fee and interest charge, and I was told that would take 2-3 billing cycles to resolve. I mentioned my concern that this would negatively impact my credit, but I was told there was nothing that could be done. On XXXX/XXXX/XXXX I paid the fraudulent charge, interest and late fee in full.