davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (DC)

Hi there, I 'm a XXXX employee enrolled in the XXXX ( XXXX ) through FedLoan Servicing ; the plan in which after XXXX payments the remainder of the loan will be forgiven. Once again, FedLoan Servicing has incorrectly placed my loans into the wrong plan and provided contradictory information. 

I keep a spreadsheet with the date and name of the person I 'm speaking to, along with their guidance - for the past 3 years. Nearly each time, the instructions contradicted the prior call instructions. The customer representative herself/himself is usually professional and courteous. I follow their instructions, and that 's where things fall apart. 

In the latest incident, on XX/XX/XXXX, I was advised that the newly rolled out REPAYE program would offer the lowest monthly payment while maintaining eligibility for the PSLF. I asked her this question twice, because it 's very important that I stay on the program in order to reach the XXXX payment requirement. She confirmed the change would not affect the PSLF ( other than losing XXXX months of payment credit while in forbearance during the change ). When I asked if I should choose the REPAYE option, the rep replied no and advised I check the box entitled " I want the income-driven repayment plan with the lowest monthly payment '' which would result in the REPAYE option anyways, since based on her calculations, that would be the lowest monthly payment. And so I requested my loans be moved from the XXXX with a payment of $ XXXX. 

I just received noticed that my loans were moved to the XXXX XXXX XXXX which is XXXX ) not eligible for the XXXX, meaning none of my payments would count towards the program and XXXX ) my monthly payment would now be {$1000.00}. Needless to say, while I should n't be surprised since this is what I 've been dealing with since enrollment into the program ( which took over XXXX months to process ) over the last XXXX years, it alarms me that this clearly unqualified loan servicer continues to manage XXXX of the country 's largest student loan program. Now I sit and wait until Monday, because they 're not open on weekends, and worry that it will take another XXXX months for this to be corrected while I pay an amount nearly XXXX % higher than my previous payment and XXXX another XXXX months of credit towards the XXXX credit required in the PSLF. The worst part is, even after recapping the original request and discrepancy to the person on the other end of the phone on Monday, I will have no idea if what they tell me this time will be the right answer because each time I call it 's a different answer. I have several other examples, should that help. 

Strongly request FedLoan Servicing be considered for a review for negligence, clearly no fiduciary duty, and at this point, predatory practices given the compounding interest and fees they 've received driven by these activities. 

I thank you for all of your hard work and efforts towards protecting consumers, it has not gone unnoticed.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX  ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

I opened a Home Depot Credit Card account. Months later I bought counter tops. 
When I purchased the counter tops I used a 24 month promotional loan. 
The account had to be " switched over '' to the promo. I was told to check my statement the next month and if I did n't see the promotional terms to return to the store so they could " fix it ''. The conversion did not take place so I returned to the store. I had the account converted and was told I was allset. I waited for a new statement. I received a notice reading I was 30 days late on payment. I did n't pay the incorrect statement, and did n't have a corrected statement so I did n't pay anything as I was n't sure how much I was supposed to pay. At first I thought I lost a bill because I found all of this to be sort of confusing, but I easily could 've paid them had I known they wanted some type of payment. No one made it clear that payment for an incorrect billing term was expected.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (OK)

I hold a Citibank Access More Card, and I have been an inactive customer, not having used my card for several months. Due to family medical reasons, I relocated to XXXX permanently from the US in XX/XX/2016. Approximately in XX/XX/XXXX/XX/XX/2016, I logged in online to close my Access More credit card account since I was no longer in the country. I noticed that Citibank Access More Card had assessed me an annual fee in XXXX. I called the bank and requested them to cancel the card, which they did. I have recently checked my Citibank credit card accounts again, and to my horror, have noticed that Access More card is reporting me as being delinquent on my credit card account ( 72 days delinquent ), because of annual fee not being paid!! When I called in, a customer care representative explained that because I had not asked for the card to be canceled within 30 days after the XXXX was assessed, they could not undo the " full '' XXXX before canceling the card, and hence a partial amount remained on the card, and my account went into delinquency!! This aspect / possibility was not at all explained to me when I had called into cancel my card. To my knowledge, the card had closed successfully. Citibank says that it sent notices to my brother 's mailing address which i had provided as a US address for the purpose of financial statements. However, to my knowledge I had closed the card properly, and the last thing I expect is delinquency notices from an account that I believed I closed properly. To add insult to injury, as I was trying to fix this issue, the customer representative offered to put me through to Collections department. It is utterly irresponsible, and exploitative, and predatory, on the part of Citibank to assess Annual fees on inactive accounts, and based on a technicality, to push an inactive account into delinquency!! Such practices should be banned, and employees who dream up such " Gotcha '' moves should be sent to jail for the anguish they cause customers. I request CFPB to order Citibank to restore me to " current '' status, and close out my account properly, without any delinquency flags which will impact my credit record adversely. Thank you.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I went into a merchant 's store and ordered an advertised pair of name brand prescription eyeglasses. My credit card was charged on that day. The merchant fraudulently delivered generic ( not name brand ) eyeglasses which I returned. The merchant reordered the eyeglasses but the second pair that he delivered was not made to the prescription that I ordered. I returned the glasses together with a letter requesting a refund. Both the merchant and the credit card company refused to refund my money. I have sworn statements from XXXX eyewitnesses who observed the merchant personally accept the returned eyeglasses at his place of business.
Consumer complaint received 2016-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (NJ)

I called a number to get approved for XXXX XXXX. I spoke with The Student Loan Help Center. I was n't sure about the program or what it was about. I inquired with some questions but I did n't realize i was speaking with a 3rd party representative that charged me {$600.00} to get started with XXXX XXXX. To my understanding I could 've just inquired with XXXX XXXX and it would 've been free. The lady on the phone rushed me and was eager to take down my credit card information. I talked to so many different people and no one mentioned that they were not XXXX XXXX. I kept getting transferred and I think it was because I asked too many questions. I thought I was speaking with XXXX the entire time but I was mistaken I did n't realize they were a 3rd Party Representative. The only time they reached out to me was when my payment did n't go through because my credit card information had changed. I was taken back. The only time these people reached out to me was for money. Not to inquire or inform me about the status and etc of my account. I 'm disturbed about all this. If i lose the money because i failed to do the research afterwards then yes that 's my fault but to my understanding I thought I was speaking to to XXXX XXXX. How do you CHARGE people for a service that 's free?!. And to top it all off, I was told I would n't be paying a dime for 20 years and that it would save me from paying interest and so on. I found out that in reality if I 'm paying {$0.00} a month, I would still be paying the interest rate monthly. They never mentioned any of this. XXXX XXXX told me to contact CFPB for assistance and I hope you guys can assist. Thank you!
Consumer complaint received 2015-12-23
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them.
Consumer complaint received 2016-07-03
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NJ)

Recently, I found a missed credit card payment on my credit report, despite the fact that in over 20 years I have never missed a credit card payment of any kind. The payment was for a Brooks Brothers store card managed by Citibank, and I missed it because I never received a bill. Citi claims that I elected to switch to paperless billing XX/XX/2015, despite the fact that I never use paperless billing for any card and the email address they had on file was outdated. I asked them for screenshots to show me where I selected paperless billing, but they have declined to provide those screenshots. 

This switch to paperless billing coincided with Brooks Brothers changing the bank that was managing their card. The first time I logged on to the new Citi website is when they claim I chose to switch to paperless billing. I presume what happened on that first logon is they fooled me into selecting paperless billing with small print, a confusing question and/or a box that was pre-checked to move to paperless that I did not notice. I say " fooled '' very purposefully. I never intended to stop receiving paper bills and instead send bills to an email address I never use, but Citi insists that I did and it is my fault, despite the fact that they will not show me proof of what I selected. Now my credit score is suffering from this situation. 

I have appealed this to Citi multiple times and have gotten nowhere. When I spoke to them about filing a complaint with the CFPB they discouraged me from doing so - their representative said the CFPB would visit their office, they would show the CFPB that I was the one who selected paperless billing, and they would dismiss the complaint. This strikes me as exactly the reason the CFPB was created in the first place - the bank confuses the customer, the customer complains, the bank says " it was your fault, deal with the consequences. '' On top of that, to tell me " do n't bother going to the CFPB, they wo n't help you '' seems borderline unethical.
Consumer complaint received 2017-01-26
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (UT)

Today I found out that I had a small balance on my credit card when for the last two months twice a week my credit card company has notified me via text that my current balance is {$0.00}. Knowing I had not used the card in a while, and that the text messages from them backed that up, I was surprised to find out that they had reported me to the credit bureau for being delinquent on a payment. Immiditly I contacted them in regards to this issue. They explained to me that the charge was for their annual fee but they apologized that my notifications showed {$0.00} Since I did not pay the fee ( I did not know they had charged it ) they charged me with a late fee and interest rate. ( We always pay our account before the interest rate ) During my chat with the customer care agent she stated they understood it was not my fault but that they could not refund the fees, I let her know that at this point the fees were not my concerned. I just want this negative hit off my credit. I told them I would contact the AG and the FCRA and they disconnected the chat ( I have it all saved if needed ).
Consumer complaint received 2016-09-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

I originally got a 30 year loan from XXXX XXXX XXXX on my home in XX/XX/XXXX. I refinanced several times, always through the same bank. When XXXX XXXX was bought out, they sold the loan to Citigroup mortgage. The last time I had refinanced was in XX/XX/XXXX. That loan as well as all the previous loans had a provision stating there was no penalty for prepayment and that any funds paid in addition to the monthly payment would be applied to the principal. Citigroup told me they sold the loan in XXXX XXXX. In an attempt to get more information about who they sold it to ( since the new lender has never sent me a bill or any information about who they were or where to send my payments ) I downloaded information from citigroup regarding my payment history. Citigroup has not used any excess funds to pay the principle. I did not agree to that change in the contract. That was a unilateral change by Citigroup after they were assigned the contract. If citigroup did it to me, I 'm sure they have done it to others. I am positive that my excess payments were to be applied to the principal because that was something I always made certain of with the bank and would check the contract. I never signed anything with citigroup. I had no choice in the assignment. Actually, I do not know if the loan was assigned to citigroup or if they were just servicing the loan, but either way their unilateral change in the contract seems to me to be a breach. And they did it without any notification or opportunity to change or refinance, etc. They appear to just hold the extra funds in some account that does n't credit my account or pay me any interest. They just keep the funds.
Consumer complaint received 2015-09-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I have a My Best Buy credit card issued by Citi Bank, N.A. Last week, I noticed a {$13.00} charge for " XXXX XXXX Insurance Fee. '' I never signed up for XXXX XXXX Insurance and I 've been charged for it every month since XXXX XXXX, 2014. I called the My Best Buy Customer Service and told them that I never signed up for this service. I told them I wanted to cancel it and that I wanted a refund. Best Buy Customer Service cancelled the service, but refused to issue a refund. I never agreed to pay for this service, so I should n't have to pay for it. These unauthorized charges add up to {$140.00}.
Consumer complaint received 2016-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (ME)

I signed up for a citibank gold checking account in XXXX of 2015. The promotion read sign up and make XXXX bill payments and get XXXX thankyou points after completing this offer. I completed the XXXX bill payments and was recently notified that my account was ineligible for the reward as it was only for targeted customers. At no point during the signup process was I made aware of this. The link was directly on citi checking account page when I signed up-it has long been deleted since.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MA)

I made an overpayment via my online banking on XX/XX/XXXX and itwas credited to my card on XXXX.The card actually had a XXXX bal. I made the mistake of sending it to the wrong credit card company. I discovered thison XXXX XXXX and called them. I asked for it to be credited back to mychecking account. I gave them my routing number and checking accountnumber. After XXXX calls to find out why it was not done, they just kepttelling me it had to be processed. It is now 7 days later, XXXX XXXX and I wastold that the {$250.00} was going to be sent back to my checking todayand it would take another 3-5 days to process this. This is a total of 10-15days to get my money credited back to my checking account, when allalong they had the {$250.00} in my account. We could see it in my cc acct. 
I do n't know what the regulations are for this type of problem, but, I thinkthat 10-15 days is way too long for them to credit this back to me. when I ppay my bill to a cc it goes in very fast, 2-3 days max, ( online billpay ). Butwhen I need to be credited it 's 2 weeks? what 's up with that? I spoke witha supervisor in XXXX, XXXX and today with XXXX, XXXX. It was an AT & T Universal XXXX Card through Citibank. I have never been late, paid bmy bill off in XX/XX/XXXX and have a very high credit score. I am a responseible professional and really do not like being taken advantage of and treated so badly. If you can help me with this I would appreciate it. 
Thank you.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (VA)

I sent two letters for two accounts via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements
Consumer complaint received 2016-06-11
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (KY)

I paid off my Macy 's American Express credit card XXXX 2015. The card had XXXX lines and I sent XXXX separate bank cashier checks. XXXX 2015 I checked account to make sure payment had been applied. Both lines had been closed yet payments not applied. I spoke with customer service and faxed copy of both cashiers checks that had cleared bank in XXXX 2015. One payment was applied to the store line of credit but the Amex side has still not been applied 7 months later after numerous faxes and calls to company.
Consumer complaint received 2016-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Integrity Group Inc (NC)

I contacted XXXX out of XXXX because I heard that they helped with loan forgiveness. I was told that they could help me with the entire process but I would have to pay {$290.00} which was charged to my credit card. XXXX # XXXX Transaction id # XXXX this was on the paperwork they emailed to me. I spoke with XXXX people during this time with Integrity ( XXXX and XXXX XXXX XXXX XXXX XXXX 234 Boynton Beach, FL. XXXX XXXX Option ( XXXX ) This entire process started on XXXX/XXXX/15. After much going back and forth and telling me the paperwork was complete, I received my new financial payment plan which was about 6 times more than what I was told. I called and again they said they would fix it but it would take about XXXX to XXXX days. I received a letter in the mail from my university stating I was in default with my loans. When I tried contacting Integrity the number has been disconnected. I talked to my student loan provider and they told me to file a complaint because I paid for services that should have been free to begin with and my loans were not handled completely.
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: M&T BANK CORPORATION (NY)

I told the bank to stop payment for a mortgage i was going to pay at a later date because I knew i had insufficient funds. They told me that i have nothing to worry about and that they 'll take care of stopping the transaction.I told them again as a reminder 2 days before the trancsaction. I gave them 5 days notice total of the transaction, I later found out they had let the transaction through not once but XXXX, since i didnt have enough funds i was charged XXXX insuffiecnt funds fees for XXXX dollars each. And now they are telling me its my fault for not having the funds even though I gave them a notice to not allow payment.