davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts
Consumer complaint received 2015-07-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Navient has taken unauthorized debits from my checking account XXXX during the month of XXXX, 2015. They took unauthorized debits once on or about XXXX XXXX, 2015 for {$110.00}, and most recently on XXXX XXXX, 2015 for {$390.00}. 
On or about XXXX XXXX, 2015, I discovered that Navient had automatically debited my XXXX checking account for {$110.00} for the student loan ending in XXXX. I had not authorized this transaction or set it up. My father makes an automatic payment for the loan ending in XXXX, and had given Navient HIS account information for the automatic payment. I had set up automatic payments for about {$390.00} for the rest of my private loans, and my payment was not scheduled to come out until XXXX XXXX. I called Navient to demand that my {$110.00} be credited back to my XXXX account, and that they take the payment from my father 's account instead. 
Navient incorrectly stated that I had enrolled all of my loans into auto-payment on XXXX XXXX in the amount of {$500.00}, and that they only had my XXXX information for the payments. That was false. I had only set up the {$390.00} payment recently, and my father set up the {$110.00} payment with his bank information. Ultimately, Navient agreed to do a direct refund to my XXXX checking account for the {$110.00}. They also agreed to cancel all auto-payments. My father was supposed to call back and set up his auto-payment for {$110.00} at a later date in XXXX, and I was going to call back and set up my auto-payment for the {$390.00} at a later date in XXXX. I was supposed to have my refund of {$110.00} by XXXX XXXX at the latest. 
My father called Navient back between XXXX XXXX and XXXX XXXX to re-establish his auto-payment for {$110.00}. His next payment is due XXXX XXXX, 2015. I had not called back to re-establish my auto-payment for {$390.00} as of XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I logged into my XXXX checking account again to check my balance. I was alarmed to see that Navient had again taken an unauthorized automatic payment from my checking account! I had not called back to re-establish my auto-payment, but Navient had debited {$390.00} from my checking account. It was taken in XXXX unauthorized transactions ( {$120.00} ; {$100.00} ; {$71.00} ; {$93.00} ). This is especially egregious that Navient took these unauthorized payments despite agreeing on XXXX XXXX, 2015 that it would cancel all auto-payments and to wait until we called back to re-establish them. 
I am going to call Navient now to demand a direct refund. My funds are rather limited at this time, and I am unable to allow Navient to invade my checking account and debit funds at will without my authorization.
Consumer complaint received 2016-12-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (TX)

I have sent letters via certified mail to Pioneer and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( Pioneer ) Additionally, both companies are double reporting on my Credit Report!!!
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I was having financial issue a couple of years back, and Navient suggested that I file for forbearance to delay paying my loan. I was not made aware of the interest will continue to be counted toward my loan. I was put on the Income Driven Plan, and after a year or so, the monthly payment went up, and I was making monthly payments, but the amount of the loan has not decreased much at all.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MO)

They called my ex husband in another city and tried to say they knew me and were looking for me. They gave him a false XXXX type company name. They harassed my granddaughters father by saying that they received his number by going through copies of my phone records. They are sending me text messages saying that I am already pre approved to student loan forgiveness when I have ever spoken to them in my life. When I call back to ask when the forgiveness starts, they say I have to fill out paper work to see if I qualify. I have had it with these crazy people.
Consumer complaint received 2015-10-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (MO)

I have received approximately 12 calls in the past 3 months on my cell phone from XXXX or XXXX. Each call has been a recording and claiming to be from Harris and Harris stating I owe some debt and I need to call them. 
To my knowledge I owe no one anything nor have I received any documentation via US MAIL documenting any debt. 
I suspect this is a phishing scam.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (NV)

I have checked my credit report be I notice there is a collection that I have been disputing for a while now and I have not got validation or verify documents that I requested it seems try been ignoring my request under law they are required to vetoed if not deleted from my credit report under section XXXX they need to verified who and when they verified the document
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

I applied online for the Citi Prestige credit card on XX/XX/2016 using a link on the Citi website that offered XXXX Thank You Points for spending {$3000.00} in the first 3 months after account opening. I was approved on XX/XX/2016. I was incentivized to apply because of the generous bonus offer and would not have applied otherwise. I spoke with a Citi Representative on XX/XX/2016 who confirmed my approval and the terms of the XXXX bonus offer. I have since satisfied the offer requirements, but have been awarded only XXXX Thank You Points. Citi now denies that there was ever a XXXX Thank You Points offer available on XX/XX/2016. This is a flat out lie. Although I can not provide evidence of the XXXX offer web page because Citi has since removed it, any XXXX search for such an offer will confirm that what I am asserting is true. In fact, the Citi XXXX point offer was available until XX/XX/2016. Citi engaged in bait and switch. It is unacceptable for Citi to continue to defraud its customers. I demand that I receive the points I am entitled to, the points that I was led by Citi to believe I would receive, and the points that incentivized me to acquire the card and complete the spending requirements to Citi 's benefit. I will not let this go.
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NJ)

Hi, I recently got a Citi Thankyou Premier card a few months back. I realized after a couple of months of use that the Citi Doublecash would serve me better than points, and after speaking to a few friends that had done a conversion to this card, decided that this would be the best path to take. When I chatted into Citi, they said that this would be possible, but I would need to call. When I called, I was told that I was simply not eligible for a conversion, and they could not tell me why. Since I have other friends who have done a conversion from this card, I am a bit offended that Citi has chosen to make me not eligible for a conversion, and feel that this may be discriminatory based off of factors that Citi is not willing to reveal to me. If this is due to discrimination, it is illegal and is in violation of the CARD act of 2009.
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Following inquiries are in my Equifax credit report, but I never authorized these inquiries and applied before. 

XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX.- Inquiry : XXXX XXXX XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX Inquiry : XX/XX/XXXX Telephone Companies ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX. 
Inquiry : XX/XX/XXXX Telephone Companies Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Apartments ( XXXX ) XXXX
Consumer complaint received 2017-04-28
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: Credit Plus Inc (FL)

I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my  XXXX  credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  CREDIT PLUS  XXXX    XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had  ( 2 ) two b ills sitting in  collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX  P  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (AR)

On XXXX XXXX, 2016 I presented my Citi XXXX card to XXXX to pay for the XXXX dollar ( {$90.00} ) for my safety deposit box. Unknown to me the teller coded the XXXX dollar charge as a " cash advance '' on my credit card instead of the anticipated normal credit card charge. Although I pay my credit card charges in full every month, Citi assessed a XXXX dollar ( {$5.00} ) fee for the cash advance and also charged XXXX XXXX cents ( {$0.00} ) interest on the cash advance on the statement with period ending XXXX/XXXX/2016. And on my subsequent statement for the period ending XXXX/XXXX/2016 a interest charge of XXXX cents ( {$0.00} ) was shown for the XXXX dollar " cash advance '' of XXXX/XXXX/2016 even though the cash advance had already been repaid. Today via a telephone call to customer service for Citi at XXXX I was told by the Citi representative named " XXXX '' that Citi will not provide the calculation of the XXXX XXXX cents and XXXX cents for interest. It appears that Citi intends to continue to charge me interest forever for the original cash advance as well as interest on the interest forever even though the cash advance has been repaid. This is crooked and criminal. What is the CFPB going to do about it?
Consumer complaint received 2017-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC (NV)

I have been contacted recently by a debt collector who has threatened to garnish my wages if I do not pay a debt. 

The account was closed in XX/XX/XXXX, and the statute of limitations on collection would have run out in XX/XX/XXXX. I was told " If I do n't start paying immediately, we will garnish your wages. '' This debt is past its statute of limitations, and I 'm being called at work and threatened for a 6 year old debt. 

The amount of the debt has also almost doubled from the amount of when the account was closed, from {$3700.00} to now a reported {$5300.00}. 

I ca n't afford to shrug off over {$5000.00} and they are not allowed to garnish my wages for this old of a debt, please help.
Consumer complaint received 2016-07-29
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (TX)

I was previously married to XXXX. We divorced in XXXX. Both XXXX and I are XXXX, and we carefully went through our financial matters, and dealt with all issues amicably. On any debt that had a balance, it was addressed in our divorce settlement. We were aware that there was a Home Depot account ( XXXX ), and we looked at the statements. The statement had his name only. Based upon the statement information, we concluded that the account was in his name, and I therefore, did not require him to close the account. 
I opened a separate Home Depot account in my name at the time, XXXX I have continued to use the account, and the account has been maintained in good standing. It is not showing on my XXXX credit report. I can provide account statements as necessary. Account XXXX. When I applied for the new account, there was no mention by Home Depot that I already had another account with them. When I setup my online account access, the account was not present. 
In XX/XX/XXXX, my ex-husband worked on some projects and used the card. I can provide the statement from that time, and you can see that it has only his name. You can see that there was a XXXX balance up until that point. He contends that he did not use it up to that point. XX/XX/XXXX, he had financial difficulties and the account became delinquent. In XX/XX/XXXX, he entered into a settlement agreement with a collection agency and has been paying this off {$25.00} a month. 
Citibank nor the collection agency ever contacted me related to any issue on the account. Citibank and Home Depot have had my contact information. As you can see from my credit report, I have maintained several accounts with Citi over the years, and I have a current Home Depot account which I had during that time period. I was completely unaware of the issues until I applied for a re-finance loan on my XXXX XXXX XXXX home in XXXX XXXX. I called Citibank, and they would not provide information on the account as I was not the primary cardholder. They transferred me to their delinquent accounts department, and I offered to resolve the account. They told me I was not the primary account holder. I have tried to challenge the account with the credit bureaus, but they state that it was a joint account. 
In summary, I do not believe that it is correct that this should show as continued negative credit on my account. Citibank did not properly display that this was a joint account on the Home Depot statements. There was nothing to indicate that it was a joint account. My name was not present. Secondly, when there was an issue they did not contact me regarding the delinquency. If they had, I would have done something to resolve it. When I did find out about it, I contacted them, and they would not let me resolve it at that time. This issue is completely beyond my control, but it continues to negatively impact my credit which is otherwise outstanding. I am a CPA and I need my credit history for my employment.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation
Consumer complaint received 2016-03-02
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a Citibank gold checking promotion that offered XXXX XXXX XXXX miles after meeting specific spend and bill pay requirements. After completing the requirements, I sent the following secure message to Citi to confirm that I had successfully completed the Citigold checking promotion. 

Account Number : Interest Checking XXXX Subject : Promotional Offer Reference : XXXX Hello, I wanted to confirm that my account has fully completed the requirements for the XXXX AAdvantage miles from the promotion I signed up for the citigold checking account. 

With the two bill pays and {$1000.00} debit transactions completed, please credit my AA account # XXXX. 

Regards, XXXX XXXX XXXX : XXXX Citibank then confirmed via a secure message that I had successfully completed the promotion and that the airline miles would be deposited into my account after 90 days from the date of completing the program 's requirements. 
More than 90 days past without having the promotional miles deposited into my account. I sent another secure message to Citibank and was then denied the promotion that I was originally approved. In addition to being denied the XXXX points, I was required to pay more than {$120.00} in account fees to keep the account open until the points had posted.
Consumer complaint received 2019-02-16
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. (WA)

I went through bankruptcy recently and 1 account I kept from XXXX is showing that during my bankruptcy filing I was 150 days late for payment. I did pay my account and its even in good standing. Credit union says it reported it was always on time but XXXX and Equifax shows it was 150 days late. Tried to reach a live person from both bureaus with no success. Maybe during bankruptcy account was not reported for several months and thats what triggered no payments made on account
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NC)

I was automatically converted from my XXXX Costco card to a Citibank XXXX XXXX card back in XXXX. I received no communication from either company, other than a termination letter from XXXX and a welcome packed from Citibank. The welcome packet contained the terms of the card, which clearly state that there are 12 months interest free on all purchases. There is no fine print stating that is not the case when the card was converted from XXXX, and there was no communication from Citibank that they would not be honoring their own agreement that was sent to their new customers. Talk about starting off a new relationship on the wring foot. As a consumer, I feel cheated and that Citibank purposely misrepresented this information to their customers to incite purchases for which they never intented to honor interest free promotions. This is a classic bait and switch marketing technique that should not be allowed. This is illegal and predatory behavior. I envision a class action suit in the near future for this and other woes encountered when the cards were transferred without consumer consent and any type of honest communication about the terms of the new agreement. Citibank should be ashamed of these practices, did these institutions learn nothing from the collapse they caused barely less than a decade ago??? I contacted customer service of course, and was granted relief on ONE month 's interest. But that does not help me because I had planned to pay off this balance over the 12 months I was promised. So now I will be incurring interest this entire year that will perpetuate the cycle of debt. Way to go, Citibank! You duped even a responsible financial customer.