davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIBANK, N.A. (GA)

I have XXXX issues I 'm dealing with per my student loans, the first issue is regarding late payments being reported while, my loan was transitioning to another lender and this issue is putting a big affect on my credit. I contacted XXXX whom advised they would updated the information on their side, however, the late payments are still showing on each credit bureau profile. The second issue was when i applied for lower payments and I was given a forbearance for a year with out lower payment amount. This is not helping me because these loans are atill gaining interest while in forbearance. Can you assist in my two request?
Consumer complaint received 2019-05-10
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: DISCOVER BANK (MA)

I worked and followed step by step the identity theft.gov 's way to handle these situations of identity fraud. I sent in all paperwork, every single document requested and needed for these companies to fix these issues and this is the second company to send me a letter stating there is nothing they can do. I want to take the investigation further as I have a very good idea of who the suspect ( s ) are and believe there is a fraud 'ring ' going on but I will finish working on my issues first. So after they received all necessary information to removed the hard inquiries from my credit report which I have worked tirelessly for years to get to where it is they just simply state they don't have enough information help, although all necessary document where sent to them. I had to go through this same process with XXXX ( XXXXXXXX XXXX ) and now because it has been well after the thirty days I have to with the rest of them. I want to thank you for your help with them as they sent out a letter which must have been nearly immediately after receiving whatever they received from you apologizing and removing the inquires so thank you very much. Unfortunately I will be sending four or five ( I cant think of ther exact number right now of how many more they tried to open ) so I apologize in advance for that, I will probably copy and paste this as my hands literally hurt from spending all day on the computer looking up my rights and what I can do etc. So all I want from these companies is for them to remove the inquires from my hard earned credit report and any and all information on the applications etc they have from the fraudulent applications so I can move forward with my case against these criminals. Thank you so much, you guys and the XXXX   site have been unbelievably helpful ; when no one else was.
Consumer complaint received 2015-06-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Rent Recover, LLC (PA)

I was living with my parents about 8years ago and we moved into an apartment together. I moved out 6 years ago and turned over the paperwork that I moved out and my parents would be only people living at that residence. 2 years after I moved out my parents fell on hard times and unfortunately could n't afford the XXXX bedroom rent at this complex. They were XXXX from this place for back rent owed. I was unaware at that time that this company never removed me from the leasing agreement as the old complex manager left the company and never forwarded the paperwork to the office ( or did ) I do n't know. I saw on my credit report that they are going after me for this debt in which i was n't living at this location and had a new contract for several years with my current landlord. I called Rent Recover a couple years back to get this taken care of and sent them my current leasing agreement, etc. They never contacted me back and I did n't think anything about it until recently when I 'm trying to get a mortgage for a house. This is still on my credit report. I contacted Rent Recovery several times ( XXXX ) and spoke to a XXXX XXXX who stated that their is n't much they can do except for me to pay the balance with interest. I reached out to the old leasing company as well and they wo n't do anything either. I am not sure if they never received the information that I was n't living at this residence or had knowledge and decided to ignore it and seek payment from anyone. Rent Recovered refused today XXXX/XXXX/15 to release the validity of the debt to me and would no longer help me unless I pay the balance. One thing I left out, they removed the collection from my credit report on XXXX/XXXX/15 and reissued it on XXXX/XXXX/15 as a new debt with c/o owners on it. I have that documentation. I confronted them about it today and he pushed it off as a mistake by the credit report agency. I 'm stuck between a rock and a hard place and do n't know what my rights are and where should I go from here. Could you help me or direct me to someone who could help?
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Consumer complaint received 2016-10-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (MA)

Lending club charges if you try and use a paper check. They only allow ach for free. 

after further research, their usuary limits exceed what massachusett law allows. I was under the understanding this was a legal loan interest, but have recently found out it is not. Recent courts have determined they need to abide by the state usuary law despite where they conduct their business
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a XXXX account with Citibank on XXXX XXXX, 2015 to take advantage of a promotion -- fund the account with {$15000.00} and perform XXXX billpays for the first two months and receive XXXX Citi XXXX points. When I opened the account, I downloaded a copy of the " Promotion Disclosure '' ( attached ), which stated " [ t ] his offer is available to targeted Citi cardmembers who receive this communication and who have an existing ThankYou Member Account associated with their Citi credit card. '' I fulfilled the terms of the promotion, but Citi refused to honor it and award me XXXX Points. Citi says that I was not targeted for the promotion. But the terms of the promotion I printed out indicate that I was targeted as I received the communication of the promotion 's terms and printed them out. If Citi 's argument is that I needed a personal invitation to the offer, it certainly is a sophisticated enough entity to send out promotion codes that are unique to certain individuals. Instead, Citi purposefully used a generic promotion code that could be used by anyone. Citi then confirmed that I was eligible for the promotion and induced me to place {$15000.00} with them for months and incur several {$30.00} account fees, without honoring the promotion. 
I believe Citi should honor the promotion and award XXXX points to my account. Thank you.
Consumer complaint received 2016-01-01
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

Banamex USA cancelled my credit card number XXXX XXXX XXXX XXXX on XXXX 2015, I reported the issue with CFPB XXXX and did not get a solution to my problem. After that I decided to apply for a credit card in another bank and it appears that my credit report does not include my Banamex USA credit history. I sent a request to Banamex USA to correct this on XXXX/XXXX/2015 and they responded that they could not. 
I need my credit history with Banamex USA to be included on my credit report, my social security number is XXXX.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

For the past three weeks, I 've been getting bombarded with convenience checks offers from Citibank in the mail. I wrote one convenience check and I deposited into my bank account at XXXX. A couple of days later, the check was returned by Citibank citing that I exceeded my credit limit and I was charged {$15.00} returned check fee by XXXX. 
The marketing materials that Citibank sent, one a week, is very misleading. The marketing materials tell you what your overall credit limit is. Then they tell you in another part of the marketing materials what your available credit balance is, but in fine print are the charges and fees that are charged. 
In my opinion, the presentation of the cost of the fees is buried in the marketing material and is misleading. The marketing materials are misleading since the fee are not explained properly and is in very small print as opposed to your credit limit and available credit is in a larger font. I would like Citibank to reimburse my the {$15.00} returned check fee charged by XXXX via a statement credit on my Citi Double Cash credit card statement. In conclusion, I believe the marketing materials are misleading and I should be reimbursed the {$15.00} charged by XXXX.
Consumer complaint received 2015-10-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ).
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (NC)

My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.
Consumer complaint received 2015-04-02
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (SC)

My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (NY)

I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''
Consumer complaint received 2016-02-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (TX)

XX/XX/22 I filed a dispute with chime for two unauthorized charges on my account. One was {$280.00} and the other was {$20.00}. My dispute was closed as approved, my money was returned however, it was taken back by chime only ten minutes later. I have tried for weeks to get them to understand the situation but they prolong it and leave me waiting. Ive requested their fraud department however, they informed me that they in fact do not have one. Im left with no resolution and my money stolen by chime.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

problem with citi bank I returned what I purchased I also dispute online shopping which was from XXXX so technichly all that will give me a XXXX balance but Citibank wants me to make a payment I told them it does n't make any sense with all the credit my payment will make my account credit then I have to call citi again and request a efund for the credit balance the XXXX do n't get it I am not making any payments periods why make a payment then request a refund?????
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Loan Science, LLC (IL)

The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Green Square Company LLC. (NV)

XXXX/XXXX/2015 - XXXXCall from XXXX , Home phone, she said she has some court documents for me, I told her to serve the documents she tried to claim she was n't from a collections agency and said she was from the Legal Department of PRC . When I told her to serve the papers she also became very rude and hostile telling me I will go to jail for this. I explained to her that I have no problem with litigation. 
XXXX XXXX called my Cell phone asking for the supervisor of XXXX XXXX. I identified myself as such and she said she wanted to know the protocol for serving court papers at work. I told her to feel free to serve them however since she had Identified herself as a collection agency she was in violation of the FDCPA. She then denied she was from a collection agency and said she would " see you in court ''. 
XXXX call this week! 

I have asked for, in writing and verbally, the amount of the debt, the original debtor, and why they believe the debt is mine. I have never been given this information. I have addressed several letters to the following XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXXThey have yet to return a letter.
Consumer complaint received 2016-09-07
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Filings and Claims Inc. (CA)

XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX