davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2016-07-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (ID)

I applied for a the Citi Gold checking account using the code XXXX. This offer rewarded the user XXXX XXXX XXXX miles after spending {$1000.00} dollars and making XXXX bill pays. I confirmed via chat message that I was enrolled, that I had met the terms ( XXXX/XXXX/2016 ), and that I would be receiving the miles no later than XXXX/XXXX/2016. I have still not received the miles. I have called Citi 3 times in the last couple weeks and each time they tell me they have opened up an inquiry and I will be contacted in a couple days. I am yet to be contacted.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Arbitration — 
Company: DISCOVER BANK (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. sent me a letter that they had been retained by Discover card notice of opportunity to contact within 30 days to dispute the debt, and a statement they are a debt collector. The letter was delivered uncertified. I responded on XXXX/XXXX/2015. In that letter, I asked XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. to validate the date. The letter stated to respond to a specific Notary Public who would verify and validate receipt of said validation within 30 days. The letter was sent by certified mail and received by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. on XXXX/XXXX/2015. I pulled my credit report and saw that this debt had been charged off. I then was served with a lawsuit on XXXX/XXXX/2015 by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. regarding this matter. My issue this firm stated they were retained by Discover card. That claim is patently false, since the debt was charged off. If Discover Card was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter, This indicates that they obtained this debt as third party debt collector. the statements made by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in the letter are fraudulent and misleading, and intended to intimidate. Further XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has extended this fraud into court.
Consumer complaint received 2015-07-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (AZ)

Conn 's Home Plus is calling me multiple times daily. Just today, XX/XX/2015, they called me at XXXX, XXXX, and XXXX. They are preventing me from sleeping in preparation for my going to work tonight at XXXX. They have also called me outside the hours of XXXX to XXXX.
Consumer complaint received 2016-03-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NH)

I, XXXX XXXX, a XXXX is working with XXXX and XXXX XXXX in requesting a loan modification for their second mortgage with CitMortgage. The homeowners had been in touch with CitiMortgage prior to my involvement and had received an email from a representative of CitiMortgage, XXXX XXXX by email with a list of documents needed to be submitted. These forms were completed by me, then reviewed and signed by the borrowers. They were submitted by email to XXXX on XXXX XXXX, 2016. I followed by with XXXX on two occasions by phone both times she informed me that she was too busy to speak with me but would call back that day. She returned one phone call at XXXX but did n't leave any message. I finally schedule a phone appt. with her today at XXXX. She called and at that time began to look at the package that was submitted to her 8 days prior. It took her no less than 15 minutes while I was on hold to review the documents. Everything she had put on the list to the XXXX had been provided. The only thing she could find to change was she wanted me to remove my name and contact information from the hardship affidavit. After working with lenders and servicers for the last 7+ years, I have never had one ask for me to remove my contact information on the hardship affidavit. I asked her to submit to underwriting to see if they needed and if necessary I would be happy to provide a new form ( signed by the borrowers ). It 's been a long haul helping homeowners in foreclosure and these type of tactics to delay and not process applications needs to stop. We are only asking that CitiMortgage review the documents and see if they would qualify for a loan modification so that they do n't loose their home.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

My Citibank Visa card was compromised. The account was closed but a few small charges ( vending machine ) continued to come in. I notified Citi of these charges and they were taken off. Finally XXXX last fraudulent {$5.00} charge from a vending machine came in and was on the last statement I received from Citi. I called and they said they had already taken the charge off so I waited to see if that charge would be eliminated when they made the automatic payment deduction from my checking account. Indeed they did not remove it and are now seemingly unwilling to reimburse me for this money which by law they are required to do.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (SC)

I have always made automatic payments on my card. I did not see, nor was I contacted to let me know that the recurring/automatic payments were stopped. The company changed websites and appears to have changed the issuing bank, which I believe led to the auto pay stopping. My balance due was only {$20.00}, but then they charged me over {$60.00} in late fees! I have no issue paying the balance due whenever the auto pay was stopped, but they will not accept that.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I opened a Citibank credit card account and opted out of all Citibank phone calls, checks, pre-screened offers of credit, affiliate marketing, etc. etc. on XXXX XXXX, XXXX. I thought that the opt-out preferences were permanent until changed by the customer, or at least were good for 5 years. But Citibank began sending me checks in XXXX XXXX, not even 5 years after I had opted out. I called them immediately and them told them I have opted out but they are still sending me checks one month later. Is this a violation of the opt-out consumer protection program? Why is it SO difficult for a consumer to stop what could be described as harassment or predatory business practices?
Consumer complaint received 2015-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (VA)

XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that?
Consumer complaint received 2016-05-19
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2016 the credit card company told me they mailed me a new card, I never received it, so they mailed me another XXXX. Neither card was requested by me and sent to me due to the credit card company putting electronic chips on the card. I received checks in the mail for this credit card for an offer for a zero % balance transfer. I could use the checks until XXXX XXXX 2016. On XXXX XXXX I deposited the balance transfer check for {$2900.00}. On XXXX XXXX the balance transfer check bounced. I called the credit card company and they said, the check is tied to the previous credit card number not my credit card account number so that is why the check bounced. Nowhere on the check did it say " if you receive a new card do not use these checks they will bounce '' NO WHERE. I asked the company to refund me the overdraft fee and bounce check fee and they refused. I spoke to a manager, he said " the bounce fee if from your bank, not us, we can not credit you anything ''. I asked for their Rep # or ID, they said they do not give those out to any customer, I asked if I can record him on my phone saying that, he said if you record me I will hang up, I am not allowed to be on a recorded call ''.
Consumer complaint received 2015-12-15
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northland Group Inc (TX)

My deficiency debt from XXXX was assigned to a debt collection agency, Northland Group inc . The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with Northland Group initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (NY)

I set up an account with Synchrony bank through Amazon.com. I set up recurring payments on this account so that the entire balance would be payed off each month on the statement date. 

Two weeks after a recurring payment was set to go through, I check my balance and see it is far higher than I had expected. It appears the last recurring payment had not gone through and I had been charged both a late fee and interest. 

The only communication I had received from Synchrony during this time was an email on the day after the payment was scheduled informing me that a payment had been posted. At no point was I informed that the payment had not been completed.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (NY)

i was get this card from the barclaycard bank the ring master card by XX/XX/2016 when i get the card 2 days after i got locked out cuz they was need to verify a charge i make from this account but when i call in they wont verify me as the one own the account and not letting me do anything of my account and now its being almost 2 months my accout still are on the same blocked no matter how many time i call how many time i reset online account how many time i requsting have texting banking or email banking cuz they blocked me out of phone calling i dont konw what to do and i was trying to report the account as not opened by my end but im not losing my mind to do that to myself and i just had XXXX $ late fee from last month and they still locked my account and take late fee also i need help someone can talk to they and let they do the right things
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX, I ordered a bracelet from XXXX for a total of {$79.00}. On or around XX/XX/XXXX, I returned the jewelry to Reeds because my wife did not like the bracelet. I was issued a credit on XX/XX/XXXX for the total amount of {$79.00}. When I looked at my statement I realized I had XXXX charges for {$79.00} on XX/XX/XXXX. I contacted XXXX first and they stated they had it only once in their system. I contacted XXXX and they had me submit a dispute for the double bill. I am going on 2 months and my XXXX dispute because whoever is handling the dispute sees the credit from the jewelry being returned and assumes it 's a credit for the correction of the double billing. I contacted them today again and the supervisor XXXX was very rude and wanted me to call back with the jewelry store on the other line to talk to them in a XXXX way call. I believe this is not my job to do.
Consumer complaint received 2015-09-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

i have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there has been attempts to open accounts from an address that is unknown to me in my credit files.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: BARCLAYS BANK DELAWARE (OH)

Keep getting alerts that my Barclays account is 60 days past due this account was paid in XX/XX/2016 through XXXX XXXX XXXX on my behalf to XXXX XXXX XXXX XXXX on Barclays behalf. I have sent in these letters to the parties several times. The reporting amount is not was was owed. It has been changed to {$0.00} but every month I get an alert that I 'm 60 days past due.
Consumer complaint received 2016-08-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc. (AZ)

on Saturday, XXXX XXXX, 2016, I called Conns at XXXX and advised the person who answer ( no name ) that I had become unemployed and was unable to make the payments. She asked me when I would like the merchandise to be picked up. I asked if Conns had a lien on the merchandise, such as a UCC filing. She advised that she did n't know. I told her that before I went any further, I wanted to consult with my attorney. Immediately after I said Attorney, the original phone person dropped from the line and I was then speaking with XXXX XXXX. I advised XXXX XXXX that I was unable to make the payments due to unemployment. I then asked what the terms were on my account, more specifically, the interest rate. He said that because I was late, the original 0 % was gone and interest had accrued from the original date of purchase. I asked again, at what interest rate. He said something like {$700.00}. I said, this is not a interest rate, I need to know what my interest rate is. He said 21. I said 21 what? he said 21 %. I said 21 % per what period. He was unwilling or unable to answer this question, only to say I would have to pay all the interest. Again I asked, At what rate. XXXX XXXX said XXXX. I asked " 27 % per what? '' attempting to find out the terms. XXXX XXXX again said " 27 % ''. To which I asked " 27 % per what, per month, per year, per day? XXXX XXXX, you can not just say a number without a time frame. Interest is calculated over time. Am I paying 27 % per month or per year? ". Again he only said " XXXX ''. I then asked him what the APR is. He said " your interest rate is 27 % ''. I replied with " that was not my question. What is the APR I am paying to Conns. He again said " XXXX ''. I asked " XXXX per what ''. He then said " XXXX XXXX, your interest charges are going be be at least {$700.00}. ". Again I asked " at what rate ''. Finally it was clear that XXXX XXXX and Conns was acting in bad faith and not wanting to disclose my APR to me. I still have no idea what the rate is that they are requiring me to pay. The conversation ended with XXXX XXXX indicating that Conns wanted to come pick up the appliances. I ask again if they had a lien on the appliances. XXXX XXXX became very curt at this point. I told him that I thought I should talk to an attorney before continuing the conversation. At that point he demanded payment and offered to post date a check. I advised XXXX XXXX that I no longer felt comfortable in speaking with him and ended the call. I simply want to know if Conns has a lien on the property and what my interest rates are, as the did not provide this information at the time of the purchase. I need this information to present to my attorney for a possible bankruptcy filing, which I disclosed to XXXX XXXX. This is a nightmare. Conns calls my cell phone all day and night, but is unwilling to tell me the terms so I can decide how to move forward. Thank you for the help and sorry about the long rant. - RN
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (CO)

Care Credit miss reported me as deceased. I have called them several times to get this corrected. Because of the miss reporting, my credit scores across all bureaus went to XXXX while trying to refinance my current home loan, I was denied because of this. After several attempts to get it straight they seem to have charged off the debt I was trying to pay on time. Because of their error, I was not allowed to ever make a payment on my account as it was closed due to me being deceased. Now due to the charge off the only credit bureau reporting a score has dropped my score massively due to their error. I need help in recovering my credit scores. I also need them to remove the charge off from my credit. And they should be responsible for the remaining portion of the balance as I have lost out on several thousand dollars due to their error.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MN)

XXXX synchrony bank i purchased a tv online then called this bank to see if i got the 18 mo. no interest. they told me that online purchase did not qualify. i went back to XXXX to cancel well within the XXXX minutes they allow and before the item was shipped. i was able i thought to cancel. the next day i received an email saying it was shipped so i called synchrony bank the person told me to not take delivery so i did that. this is the description of that transactionXXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Date XXXX/XXXX/2015Location XXXX XXXX XXXX, XXXX, AR, XXXX $ XXXX Number XXXX XXXX XXXX XXXX tv they said it would take 60 days to review, well after many calls i am no where near the end. they said the charge would remain in dispute without charge. i do not like to see this XXXX on my statement after XXXX days. i have paid my balance down early to get these people out of my life. i now have overpaid my account minus this charge. i also have a copy of the XXXX tracking of this item stating it was refused and sent back to shipper XXXX/XXXX/2015 which i told the bank. my thoughts are they are kiting this money at my expense.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NV)

I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I purchased furniture from Conn 's in 2014 with the agreement that it will be interest free if paid within 12 months. I paid the furniture off within 12 months and provided proof that I have homeowners insurance, therefore not required to have their insurance. I started receiving calls in XXXX stating that I have a past due amount, however they would not tell me what it was on. I have XXXX other accounts with them that are current. I was finally able to get a collector to say it was on the furniture purchases in 2014. I explained that it was paid off a year ago. Finally figured out that they were charging me for insurance and interest on the insurance. I submitted my insurance information twice more. They finally processed it on XXXX XXXX and said it had been credited back to my account. Yet I continue to get several phone calls daily. They continue to claim I owe money. I was told 2 weeks ago that they requested that account be closed. I am still getting calls and was just told today to resubmit my insurance information. I received a letter from their insurance Dept early this month verifying they credited the cost of insurance back to my account.