davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (OH)

I recived a letter from XXXX XXXX XXXX ( Office of the President ) XXXX XXXX, 2016 about an unathorized rebill on my account. In the letter, she refused to help me. She claimed that I could call to have questions answered. I have called repeatedly and have not been assisted. I have tried to leave messages. I have sent her a letter asking for a call. This is a fraudulent rebill.
Consumer complaint received 2015-11-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (PA)

I have received over the past 3 years several pre-approval notices from Barclaycard stating that I was already approved to go ahead and apply, when I do then I get a denial notice. This puts a HARD hit on a persons credit with all XXXX of the major credit reporting agencies. I again not even 3 weeks of being denied again from Barclaycard received another pre-approval notice asking me to apply. I called the number and the rep insisted that my denial must have been a mistake and to reapply. Sorry but I 'm not as dumb as most of the Americans that these banks believe we truly are. I want them to be fined!! These are deceitful practices which should be stopped immediately!
Consumer complaint received 2015-08-23
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. 
I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. 
On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. 
When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. 
I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

This complaint is targeted to a program advocated by CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX points. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the XX/XX/XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending more than half an hour waiting and explaining, I ended up with a lady who said she needed to confirm some information with someone and would call me back in one hour. I waited and waited and waited ... 
After more than two hundred and forty hours of waiting ( long wait, is n't it? ), I knew nobody would call me back and realized it was a scam from first place. On XXXX/XXXX/2016, I logged on to my online account, ready to request to close my account, only to find out that Citi started to charge {$30.00} since XXXX/XXXX/2016. Shocked, I had an on-line chat with a Citi representative, who helped to start an investigation which was supposed to complete in several business days. Hearing no further result after five days, I chatted again with another Citi representative to accelerate the process. This time, a document was received to promise a result in 24 to 48 hours. 
After two days with nothing coming, I chatted for the last time with a Citi representative. Not to my surprise, I was given an excuse that the promo was offered to targeted customers while I was n't. What? Are you kidding me, dude? Then why did you put an advertisement on internet and gave me a promo code? Nothing had been fulfilled except charging me {$90.00}? 
The conversation ended unpleasantly. I ordered them to close my account instantly, meanwhile, warned to file a complaint to CFPB. 
My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! 
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID XXXX ''
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (IN)

I called into Synchrony Bank when I noticed an unauthorized transaction on my card. This happened on XXXX XXXX, of 2016. They said they would close my account for fraud and issue me a new card. They did issue me a new card, but I never got a credit on my account. When I called them back, a month later ( XXXX16/ ), they said that they had lost my info and would reprocess my fraud claim, which would take another 30-60 days. During this time I spoke to several representatives from synchrony to make sure they did n't lose track of my claim. But THEY DID!!! Can you believe that I called them on XXXX/XXXX/2016 and they said that the fraud claim was not filed and it would take another 30-60 days to process my claim. A month later after several phone calls to Synchrony, I got a letter saying I benefit from services ... this letter was dated XXXX/XXXX/2016. I was very confused at this point, because I explained to the bank that I did n't know the company, and never gave them authorization to charge my card. What benefit did I get from them? This was an unauthorized transaction and I thought that maybe they misunderstood what I had explained to them. So I called them back and said they must have misunderstood, and that I had no dealings with this company, and that in order for me to benefit from the service they had to sell me something. Which could not have happened because I DO N'T KNOW WHO THEY ARE. So they told me they would give me reconsideration ( XXXX/XXXX/2016 ). On XXXX/XXXX/2016 they sent me a letter denying me again, with the same boxed checked. I benefitted from services. No explanation. Nothing. They have a {$0.00} fraud liability protection, I do n't understand why they are not adhering to their own policy.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (NC)

In XXXX, 2017 I gave my credit card to XXXX for payment on TJX Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of XXXX. On Sunday, XXXX I went to the XXXX at the Convention Center in XXXX and tried to purchase a product using the same card for a XXXX ( jewelry cleaner ), website address is : XXXX. this was {$20.00} plus tax and my TJX card was denied again. I am XXXX years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why this has happened. There are two dates involved but you only allow space for one date XXXX and XXXX are the denial dates.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (OH)

On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

In  XXXX , I applied for a Federal Loan Consolidation for my Department of Education loans ; I selected  XXXX  to be my new servicer. After Navient, my current loan servicer ( and servicer of my private loans ), received word of my consolidation application -- whether coincidence or not -- raised my interest rates by .25 % : adding almost {$150.00} to my monthly payments.     The customer service representative claimed the rate increase was due to market changes put forth by the Federal Reserve ; those rate increases were made in  XXXX , though, and my  XXXX  interest was not raised. It was not until after word of my consolidation application that my interest rates were increased.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

Failure to perform a proper investigation. I have submitted many dispute letters online and through the mail. I have provided them with proof directly from the credit report.They continue to report information that is inaccurate as accurate.This is a direct violation an damaging to my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-15
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (NC)

I do n't appreciate how they conduct business. I paid my bill off in full in XXXX XXXX. I thought everything was finalized. I received the {$0.00} receipt balance from Optimum Outcomes, Inc. Then this year in XXXX XXXX, I received an email saying I have an outstanding balance. I reached out immediately to the company twice in XXXX on each occasion the representative told me they would have someone to investigate the problem and contact me. I did n't have to keep calling back. I offered to fax over the receipt I received from them the day I paid my balance in full. The representative tells me they do n't have a fax machine but I can mail that information to them. However, after reading my information they said yes I see where you paid the bill in full but at the time nobody could tell me how I still owed them money but the hospital that was collecting the debt showed I owed {$0.00}. Well I started receiving debt collection phone calls in XXXX XXXX which at this point I am feeling harassed, upset and cofussed as this was not a mistake on my end. So, I explained to yet another rep this month ( XXXX XXXX ) and then that 's when she was rude and started saying she see were I paid my bill in full but they were showing they sent me a portion of that money back in XXXX. Therefore, my complaint is how and why did it take them 7 months to contact me and say I owed money? Indeed if I owed money they would have reached out to me before XXXX of XXXX. They had no problems in the past sending me emails and letters at my home which I received not XXXX collection letter or email after I paid the bill in XXXX until XXXX of this year. This was clearly an error on there end and how do you make this my fault? I did my part which was what I was asked to do and that was to pay my bill which I did ( in full {$170.00} ). What was done on there end should not turn into a nightmare for me as I thought this was behind me. I have read so many reviews and complaints similar to mines. Something need to be done about this mishaps.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP (MO)

I have a US Bank secured credit card with a credit limit of {$1000.00}. I accidently overpaid the credit card which was fine and that created a credit balance on the card. The US Bank website and XXXX app showed the XXXX payments, showed the credit balance and showed by " available balance '' as {$1500.00}. On Sunday XXXX XXXX I went to check into a hotel ( XXXX ) by US Bank credit card was declined. I used another card to check in and called the number on the back of the card for an explanation. I was told that there was a 7 day hold placed on my payments ( which was made on their website via ACH from a checking account ) and that my available balance was just over {$100.00} thus the decline. I asked why the hold was placed for 7 days on an ACH payment and they could not explain. I asked why the website and mobile app showed my available balance of {$1500.00} when it was n't and they said they were not sure that maybe it had not updated. But it had updated to show the payment. 
I asked the first person I talked to if there was any CFPB guidelines on the holding of ACH payments or on the reflecting of available balance on a website that was no actually available. It became obvious that the person did not know what the CFPB was. When I asked if he knew what the CFPB was he admitted he did not. I then ask him to escalate my call to a supervisor and I got " XXXX '', XXXX also seemed to have very limited knowledge of the CFPB or how to handle a customer complaint.
Consumer complaint received 2016-02-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: D. SCOTT CARRUTHERS (CA)

I requested a credit report on XXXX/XXXX/15 and found that this company, XXXX XXXX XXXX had placed a negative account on my credit report. I contacted them and requested a copy of any contract, policy or anything that shows I have ever given them permission to establish an account on my behalf. I also sent certified letters to them requesting a copy of any documents with my original signature on them as proof that this is my debt. They have refused to provide me with this information and have not responded to my inquiries. I have disputed the account with the credit reporting agency, XXXX and the company continues to report it. I have filed a police report and will began this process to have them remove themselves from my credit report which is now causing me harm when I apply for credit. XXXX and XXXX are not allowing this company to report this account because they have not validated that it belongs to me.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

On Equifax the payment history for this account reflects XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want the account deleted because the payment history is reporting inaccurate and I took the facts directly from the credit reports which I will submit as attachments