davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NJ)

After pulling a copy of my credit report I noticed that XXXX XXXX is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to XXXX XXXX informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from XXXX XXXX claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from XXXX XXXX that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

Citibank removed from our account, without our authorization {$5100.00} on XX/XX/XXXX. This created a negative balance in our account and has left us without money for food, gas, presents for our children for XXXX ... This has created an enormous hardship on my wife and I and has resulted in immense XXXX causing my wife to become XXXX. This situation was created when Costco switched from XXXX XXXX to Citibank as their major credit card holder. We were over our limit with XXXX XXXX and XXXX XXXX allowed us to make payments on the current balance. Citibank, however requested that we pay the entire amount immediately when the change took place. I called Citibank and requested payments which we set up on the phone at that time. Since then I have routinely made payments on the Citibank account, however Citibank continues to attempt and some months succeed in removing the entire amount which is what occurred on XX/XX/2016. I had just made a payment on XX/XX/2016 of {$500.00} toward the balance on the account. Thanks to a couple good friends we were able to buy food this week but we have accrued enormous over draft charges and other fees due to Citibank 's theft of our account. We have been forced to acquire the services of an attorney in an attempt to remedy this matter given that Citibank has been less than cooperative in returning the money as they have in the past.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

Citibank is still reporting inaccurate information on my credit reports XXXX. Both agencies reflect the account was paid in full back in 2011 but continue to report the account as a charge off. I need this account removed as they continue to damage my credit & are supplying the bureaus with inaccurate information.
Consumer complaint received 2016-05-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

I opened a XXXX Checking account with special offer code XXXX ... for which the offer was that after specific transactions were completed I receive XXXX mile credited to XXXX XXXX Advantage Account. 
I called in to open the account and specifically requested this special offer to the Customer Service Rep who opened the account with NO issues and NO disclosure that this offer was " targeted ''. The welcome book sent for new account opening even has the disclosure for the special offer program with the terms and conditions provided. 
Once I completed the necessary transactions I requested the Citibank validate the completion and provide an indication on the timeframe of the credit going into my XXXX Advantage account. I received an email back from Citibank indicating I was n't eligible for this promotional offer as it " targeted '' and they would NOT award me the points. At NO time during the opening of the account did the Customer Service Representative indicate this was a targeted offer and that I was not eligible to open account. The account is a high monthly fee service charge of $ XXXX/mo. 
I opened an investigation into the issue, knowing that this is n't " fair '' and certainly appears to be a " bait and switch '' marketing tactic. 
Citibank responded to the investigation requesting I provide the source of the special offer, which I believe was on the XXXX XXXX website in XXXX 2015. I was searching the internet to see if I could locate where I may have run across this offer, when I saw numerous reports and complaints filed with the CFPB over the same special offer that Citibank was refusing to deliver on the special offer of XXXX miles for XXXX XXXX. 
This is very concerning that such a large institution as Citibank is not standing behind their marketing campaign 's, allowing consumers to open checking accounts under false pretenses/expectations. 
To make matters even more frustrating a family member of mine that that lives at the same address opened the same account with the same promotional offer and has received his miles credited to his XXXX XXXX account. At no point did he receive any push back Citibank indicating he was n't eligible since the offer was targeted. 
This feels like discrimination and that Citibank does n't have compliance controls in place to regulate these accounts to insure fair treatment of all customers.
Consumer complaint received 2015-12-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (NC)

I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.
Consumer complaint received 2016-10-19
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: STERLING JEWELERS, INC. (MD)

I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was helping me refinance my home. I wanted to take out some of the equity out of my home to pay off two credit cards, purchase a new roof and a new HVAC system for my house. 

This and lowering my interest rate was the reason for the refinance. The loan officer, XXXX XXXX and the underwriters knew my intention was just to pay off these two cards. 

I was told I had to close both of my credit cards in order to refinance my home by XXXX who said the underwriters were requiring that. 

I was concerned about closing both cards, having had one of my cards for 35 years and the other one for 8 years. I believed XXXX when I asked if it would effect my credit score and was told it would not. 

My interest rate went up rather than down. 

I am a widow and believed what I was told. My mistake was in believing them. Thinking that a bank as big as Wells Fargo would not lie to their customers. 

I had never been late on a payment on either card or missed a payment. Since I have learned my credit score took a huge hit when losing so much credit history. I have contacted the bank to make a formal compliant.
Consumer complaint received 2016-10-13
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC (LA)

Representative by the name if XXXX XXXX called my husband from Capitol Accounts very rude on the phone and using obscene language. I called the company at XXXX spoke with XXXX advise her on what happen she transferred me to supervisor XXXX I advise him on what happen he did n't sound like he really cared or was concerned.
Consumer complaint received 2021-10-02
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)

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however XXXX and Equifax have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.
Consumer complaint received 2020-04-17
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: DISCOVER BANK (RI)

There was a fraudulent transaction done using my discover credit card. I have submitted proof to the company showing that it was impossible for me to have done the transaction. The purchase was made in a different state at a store that I had never been to before and the store was a jeweler for an exorbitant amount of money that I would have never paid for jewelry. 

Discover has said that I am responsible for the transaction but has failed to provide any proof or reason as to why I was liable.
Consumer complaint received 2020-08-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: N26 Inc. (MD)

On XX/XX/XXXX I contacted N26 regarding a fraudulent charge to my account. I was told 10 days to resolve. Today is the 12th business day, and all I keep getting is the run around. Ive been told 13 days, 18 days.. and that theres no way to contact a dispute department. How is there no way for them to contact an internal department to provide me ( the customer ) with more information? Each new representative tells a different story. Ive even been told new procedures went into effect and at this point, someone needs to intervene.
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I am understanding the Ombudsman 's office to state to me that Navient is protecting me by only adding capitalized interest ( it does not inform me of or provide advance notice on how to pay to where it is not capitalized onto principle ) from forbearance ( a plan I am then placed on without my consent ) rather than standard repayment ( again, without my permission ) because the database needs to change repayment assignment during processing due to there being too many loans for them to process. I have filed a complaint against Navient for placing outstanding capitalized interest on principle, among other behaviors seemingly intent to cause damages to me. I await contact from a worker for the complaint, and am told ( by Ombudsman ) to continue to try to seek answer/resolution from Navient, who has directly said to me " I can not answer your question '', scheduling a return call for answers to be provided and then not actually making the return call as scheduled, seemingly being allowed to lie to ( and cheat ) me.
Consumer complaint received 2017-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I retrospectively know now that XX/XX/XXXX XXXX XXXX sold roughly {$1200.00} worth of my student loan debt to Navient that I was paying off well in advance of what was due. XX/XX/XXXX, I made what I thought was my final payment to XXXX XXXX and to pay off in full, my student loans. XX/XX/XXXX I had my first communication with Navient in the form of letting me know I owed over {$2200.00} on the loan they bought from XXXX XXXX XX/XX/XXXX. Over a {$1000.00} in interest was charged to me in a deceptive manner. Now Navient wants {$250.00} a month the settle the deceptive loan.
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

I opened up a citigold bank account using promotional code XXXX in XXXX of this year, in order to receive a bonus of XXXX American advantage miles, I needed to Make at least {$1000.00} in purchases using your debit card and set up bill payment for 2 consecutive months, which I did. I inquired and received this message : Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Good afternoon. Welcome back to Citibank Online messaging, my name is XXXX. Thank you for your messages regarding our promotion. I will be happy to assist you. 

We regret any inconvenience this has caused as it is never our intention to delay incentives for promotions. I have submitted a request to ensure these points are awarded to you in a timely manner. However, we will require a review of the requirements and eligibility to confirm. 

Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in The Citigold Account package by XXXX/XXXX/16. 
Then, within 60 days after account opening : the required minimum amount {$1000.00} of purchases using the CitibankDebit Card must be posted to the new checking account AND XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. I deposited over {$100000.00} in the account and met the requirements. I was then told that I was not a targeted client and was not eligible for the miles, although i did receive an email, opened the account using the promotional code above, and meeting the requirements, if I was not eligible for the bonus, the application should have rejected my application using the promotional code. I would like to have the XXXX aadvantage miles credited that I believe I am entitled too.
Consumer complaint received 2016-08-05
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

My husband died on XX/XX/XXXX. I have been disputing a " joint '' status on a credit card for many years. I called the card company ( AT & T Universal Master Card through CitiBank ) and advised them of his death and that I demanded to see a credit application with my signature. I have the original paperwork and it 's in my husband 's name only. He has no estate. They have not sent the documentation which they promised to do in 7-10 days ( it 's been over that time ), instead, they sent a new statement in my name only. I believe that CitiBank is in violation of State and Federal law. Citi/A T & T have not provided any application signed by me. This card was opened in the XXXX or early XXXX by my husband only.
Consumer complaint received 2016-10-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (CO)

I have XXXX loans with SallieMae. Each are enrolled in auto-debit and have been for more than a year. This is confirmed in my account information available online and has been verified during a multiple calls with their customer support. Despite being enrolled in auto-debt, the accounts do not auto-debit and I receive a call from SallieMae that I am delinquent on my account every month. I believe this practice is intentional in an effort gain more interest on my accounts.
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. (GA)

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: STERLING JEWELERS, INC. (OH)

XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MN)

Someone has been impersonating me and stole my personal information and identity and open up a fraudulent U.S. Bank XXXX XXXX credit card account # : XXXX. This account is fraudulent and do not belong to me. I have attached supporting documentation which includes my incarceration date. I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. Based on the documentation provided, I 'm not liable for the account.
Consumer complaint received 2016-06-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: STERLING JEWELERS, INC. (MI)

In XXXX 2016, I opened a credit account with Jared The Galleria of Jewelry. I went to the store on XXXX XXXX in XXXX MI. The card is through Sterling Jewelers. I was told by the associates who helped - there were XXXX different employees assisting me that day - that if I opened the account it would have 0 % APR for the first 12 months. So, I purchased my engagement ring and XXXX wedding bands with service plans for about {$2000.00}. My first statement had no interest charges. However, my XX/XX/XXXX and XX/XX/XXXX statements applied a 24.99 % APR. 

I called the phone number on my statement and was told that customers have to make a XXXX % down payment to get the 0 % APR for 12 months. However, this was never told to me in the store when they sold me the credit account and jewelry. 

I was told I can have the 0 % APR but I have to make more than a {$400.00} payment to have it. I feel as though I was deceived into applying for a line of credit without being provided all of the information. I would not have opened the account or purchased anything from them if that was the case. Their return policy is only 30 days so I ca n't even return the jewelry anymore. I feel like a bait and switch was used to con me into something I now can not get out of. 

I feel that employees should be responsible for the information they provide to customers, before they are trapped into an account they ca n't get out of. I 'm paying about {$45.00} a month in interest for something I was told would be interest free. I want the interest already charged to be waived and for the account to have 0 % APR for 12 months like I was told it would when they asked me to apply.
Consumer complaint received 2015-07-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

In 2004 the for-profit college XXXX XXXX XXXX XXXX and XXXX scammed me. I intentionally misled first by the recruitment department and then by the financial aid department. When given the sales pitch of what the institution offers, the recruiter failed to mention that the institution lacked regional accreditation, which I later found out meant my credits were non-transferrable. To add insult to injury, the financial aid department led me to believe that any unspent loan dollars would carry over to the next semester, which in essence would mean that the maximum loan amounts would not be taken out each semester. It was n't until I completed the program, that I later found out the maximum loan amounts had been taken each semester ... even the semesters I had not spent the entire loan amount and once the recruiter resigned from his position, he later called everyone he recruited to inform them of the lack of accreditation. What confused me most was during the exit interview when I was informed that my loan amounts exceeded the program cost. When I asked how that was possible even with me receiving XXXX grants? I was told to be grateful for what I owed because some students have left the exit interviews in tears once they were told what they owed and the exit interviewer also explained that they were told by other students that financial aid had provided them with misleading information as well, but still I was not given an answer as to how this matter would be resolved. Now here I am years later required to re-pay student loans on a degree I could not utilize, forced to start my academic studies completely over as a new student because employers deemed my degree worthless and the credits are n't recognized by the regionally accredited institutions. Any assistance with resolving this matter would be greatly appreciated.