davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MD)

I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.
Consumer complaint received 2015-06-03
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (VA)

Lender ( OneMain Financial ) claimed late payments, despite being authorized ACH withdrawals on a specific date. Lender did not attempt withdrawals on authorized date on at least XXXX occasions, and then began charging late fees despite not taking the money on agreed upon date. Lender refuses to refund late fees, and continues to attempt to collect them despite the error on their part. Lender was given written notice revoking ACH withdrawal authorization, yet continued to withdraw money. Lender refuses to make the correction to the account and has initiated a harassment campaign including numerous phone calls, letters, XXXX letters, and calls to friends/relatives. This complaint is also being filed in conjunction with civil litigation.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (DE)

XXXX and XXXX is incorrectly reporting that all 20 of the closed federal Dept. Of Education account were late on the same exact dates of XX/XX/XXXX thru XX/XX/XXXX which is impossible. I never had 20 student loans with the Dept. Of Education. Secondly, the loans were all not applied for at the same time frame. The loans I applied for were all in separate semesters, I never took out more then 1 loan at a time. I don't believe its possible to receive 20 loans at the same exact time. All 20 accounts have the exact same account number which is not possible, so I'm being penalized for being late on one student loan account 20 time which is gravely hurting my credit. Which I was never late because they were all deferred and are still deferred so I couldn't of missed any payments because they were never due!
Consumer complaint received 2016-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (GA)

My mother is deceased ( XX/XX/XXXX ) I am the daughter executor of will. Her home was sold to her in a deed of trust and she was promised a warranty deed and she never got one and paid cash XXXX in XX/XX/XXXX. Then she found out later on XX/XX/XXXX when borrowing money to paint house the deed was still in a deed of trust and I have the will of the man who sold her this house. XXXX XXXX XXXX XXXX Georgia XXXX. My uncle and this man made the transition 2 years before she ever purchased it in a contract of settlement and now it 's in a security instrument with citimorgage. Citibank made loan over phone she had XXXX and I told them she did and they did that XXXX anyway and this is an investment home there will never be a clear title to the home. Her sister drowned 2 months after mama passed because her husband is the one that took the money and did this. Please help me XXXX XXXX XXXX.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a checking account with Citibank under the impression that I would earn frequent flyer miles as part of a marketing campaign. After completing all the written requirements as explicitly written in Citbank 's terms and receiving further written confirmation that these requirements were complete, Citibank 's representatives are now contending that I am ineligible after all and refuse to award the promised promotional bonus as originally advertised. I fear I have fallen victim to an egregious bait-and-switch marketing trap.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (OH)

My son had several  Parent Plus Loans. I consolidated the loans when he graduated ( app rox {$100000.00} ) and the next thing I knew they were all completely under my name. I work for a  XXXX  ( c ) so I applied for the PSLF program and income contingent payment plan. In   XXXX  , I was diagnosed with   XXXX    XXXX   XXXX  and paid approx. {$12000.00} out of pocket. I went through  XXXX , several   XXXX   XXXX   XXXX   and multiple  XXXX . I had to take  FMLA fro m work but I never missed a student loan payment. I contacted Fed Loans and they told be to send an updated income contingent form with a copy of my medical bills so my monthly payments could be lowered. I got a response back that my monthly payments were going up. I only refiled the form because the rep at Fed Loans told me that is what I should do. My son graduated with honors from  XXXX   XXXX   (   XXXX  yrs ) from The   XXXX   XXXX   and currently holds  XXXX  part-time low paying jobs while he is in graduate school because his  XXXX   XXXX  did n't qualify him to do anything in the   XXXX   XXXX  . This loan has become a crushing burden that keeps me awake at night.
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (PA)

I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX, MO XXXX. I did contact XXXX at the above noted address, and my letter was returned as " Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise, why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax , it would seem that did not verify this account. I tried to re-dispute this online, but it notes " closed '' and will not let me to do, and when I call the phone number provided by Equifax , it wo n't give me the option to speak to anyone and the phone options are not relevant. I have attached a copy of the letter sent by Equifax directing me to contact XXXX, and the envelope returned by the XXXX XXXX showing no such address exists. I would like Equifax to remove the inquiry permanently from my record. Thank you for your time.
Consumer complaint received 2017-01-18
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (PA)

Costco sold their XXXX XXXX credit card to Citibank. We did not want a Citibank card so we changed our XXXX XXXX card to a different account. We did not request or authorize Citibank to issue us a card or account but apparently they did it any way. We never received the cards. Instead we received a bill for an unauthorized charge by XXXX auto club. We noted that XXXX also sent an unauthorized charge to our XXXX XXXX. We contacted XXXX, they refunded their charge to our XXXX XXXX. We contacted Citibank about the duplicate charge and they investigated and agreed that it was a duplicate unauthorized charge. After multiple and multiple phone calls, Citibank still has not removed the duplicate charge. We assumed that it was taken care of when statements stopped coming, but now suddenly a statement comes in the mail after months of not being received in the mail telling us that the account is past due with absurd late charges. WE DID NOT REQUEST A CITIBANK CREDIT CARD AND DID NOT AUTHORIZE XXXX TO MAKE A CHARGE TO THE ACCOUNT. WE NEVER RECEIVED THE CARDS AND NEVER HAVE USED THE ACCOUNT. CITIBANK WAS TOLD TO CLOSE THE ACCOUNT AND REMOVE THE DUPLICATE CHARGE ON MULIPLE OCCASIONS, BUT THIS HAS NOT BEEN DONE. NOW OUR CREDIT REPORT IS SHOWING LATE PAYMENTS FOR AN ACCOUNT AND CHARGE THAT WAS NEVER AUTHORIZED OR USED.
Consumer complaint received 2016-08-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

Costco changed credit card service to Citi Anywhere XXXX. I signed up for paperless billing and in XXXX received the first email alerting me of a balance and payment due. It also contained {$25.00} late charge. Upon phone call to Citi I was informed that I did not receive my first bill in XXXX because I had not signed up for bill alert notification. Interesting that once the late charge was added suddenly they sent me an email that I had a bill due. This is very deceptive and improper business practice. Anyone dealing with Citi beware.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (NY)

I purchased an item from the clothing retailer XXXX XXXX on XXXX/XXXX/2015 with funds from Paypal credit 's Bill Me Later. The item was returned to XXXX XXXX on XXXX/XXXX/2015 and XXXX XXXX issued a refund credit for the full amount of {$570.00} on XXXX/XXXX/2015. 

Since then, Paypal Credit has not posted the refund to my account and I still owe them money. I have faxed in proof of return numerous times, sent emails of screenshots indicating that this item was returned, and have spent countless hours on the phone yielding no results. At this point, I will have to start paying the charge and I find it to be ludicrous to have to begin payments on something that I returned 3 months ago which has been acknowledged by the retailer.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (MD)

My wife and I have an automated payment setup for our mortgage each month. The auto payment is scheduled to deliver the payment XXXX days early each month and that is XXXX days earlier than the due date, not the extended grace period. Apparently, after receiving our early payment, Flagstar realized that we were off by XXXX because they had reassessed our escrow. However, notice of this reassessment was never received. On Sunday, XXXX XXXX at XXXX, we received a phone call from Flagstar requesting a call back. We immediately returned the call and were treated with an aggressive and rude representative telling us that we were late with our payment and had not paid in full. We were accused of having received and ignored the notice of the increase. However, we had never received the letter and at that point were still not late. In fact, we still are not late as the due date on the notice is XXXX XXXX. 

Despite the rudeness and aggressiveness, we simply asked what choices we had for payment. We were told that we could pay a fee of {$15.00} and pay over the phone, or since we were n't late, we could pay using online banking for no fee. We stated that we would do so immediately and the representative said they would note that in our file. We then went on to our XXXX account and made the payment, while also changing our auth payment setting to reflect the change. XXXX shows the payment was made today. 

On Monday XXXX XXXX, we came home from work and found the notice that had apparently been sent previously according to the representative, in the mailbox, proving that we had never been given notice of the change. Since that time however, we have received no fewer than XXXX calls per day harassing us and asking us for payment. We have continually told them we made the payment and again, we are not late.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

Trying to deal with NAVIENT on a defaulted student loan. 

Our XXXX yr old, XXXX daughter finally defaulted on her long held student loan. That threw us into a problem trying to deal with NAVIENT to settle this outstanding loan. We had issues with everything about NAVIENT. First of all you ca n't get the same person on the phone when you call back. Everyone you speak with is reading from a script, demanding payment TODAY. We tried to negotiate a cash payout, to no avail. Then the phone calls began, calls during both day and night. Each call originating from another NAVIENT office, from Texas to Pennsylvania. As XXXX, on a fixed income we were exhausted trying to settle with NAVIENT. There 's no understanding, no consideration, just constant demands for money. 
In addition, I have serious doubts NAVIENT made any attempts to contact the original loan person, instead, jumping immediately on the co-signer, my wife. 
NAVIENT would n't even accept current information, citing some phony privacy rules, thus the original loan borrower got away scot free ....????
Consumer complaint received 2017-02-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (GA)

PayPal sent my negative account balance to collection despite me making regular payments towards it. At the end of last year, a chargeback sent my PayPal account negative. It was {$1300.00}, large compared to the transactions I generally process through Paypal. Throughout XX/XX/XXXX and XX/XX/XXXX, I made regular payments toward this balance- over {$700.00} worth in fact- and I have been continuing to make payments. I received a letter from a collection agency demanding about {$100.00} more than my account is currently negative! PayPal Account ID : XXXX
Consumer complaint received 2016-05-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: U.S. BANCORP (IN)

to help clear this matter I am prepared to offer XXXX % of the total O/S balances. In exchange for re-inserting auto loan, credit card accounts and remove the consumer loan from all credit reporting. I AM SEEKING REFNDS FRON XXXX XXXX AND XXXX XXXX DIRECTLY. THOSE ARE FRAUDULENT IN NATURE AND ALSO HAVE Please send me agreements.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (IL)

I recently applied for a Citi Bank credit card through XXXX. I was approved by Citi Bank and told I would receive the card with activation instructions within 7-10 days. I attempted, unsuccessfully, to activate the card by using a Citi Bank internet activation site. I tried to activate the card by telephone using a Citi Bank toll free number. When I reach this latter site I was bombarded with a continuous stream of " special offers '' all of which I declined. I stopped declining after XXXX ( XXXX ) streaming " special offers ''. Citi Bank 's phone activation site would not allow me access to what I wanted to do. I was so taken back by their brazen manipulation that I decided to not activate the card. Citi Bank sent me a welcoming email two days later. I replied to the email requesting immediate cancellation. They responded that they could n't respond to my cancellation request and that I would have to use a statement to do this. I do not trust Citi Bank 's process and I want to receive a clear instruction as to how to cancel this card. Again, I did not activate this card, I do n't want it, and I do n't want it on my record.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

This is regarding the Macy 's store credit card miss handling of payments made to the account by Macys. On XXXX made purchase in store using the credit card ending in XXXX and on the same day made cash payment in store for the same amount. I have the receipts for both purchase and payment both showing the account number correctly. However, Macys has somehow applied the purchase and payment to XXXX different accounts separately showing the as if we owe Macys a payment. Not knowing this I remained under the impression that there is no outstanding balance to pay until I kept receiving automated system dialed calls asking me to call back regarding an important business matter. I made the call into Macys customer service on XX/XX/XXXX when they have mentioned that they have misapplied the payment to wrong account and they will correct it and my balance owed is XXXX. At this time I have looked at my statement for this account which showed a debit balance on my account as if I have an amount to be refunded to me. So after talking to customer service and based on what they have suggest to me that this will be corrected and I do not have to worry. 

But surprisingly they have posted series of wrong transactions to my account mysteriously with the amount totaling to double what I have already paid and showing that I now owe them money. But did only realize these incorrect transactions on my account again when I started receiving automated calls from Macys again. So this time I tried to keep calling them and keep reporting and requesting to correct the situation. I have tried to explain and beg them to do some research on their side as to what happened and find the details in vein but they appeared to not committed to resolve this issue. Every time I call, a different representative will answer the call and I explain them again time and time again. But they do not seems to have any clue as to what is happening and never resolved. Every time I called they mentioned that they will open a dispute but I keep receiving calls from the collection agents in the meantime. Unfortunately, every time I call them only to find out no dispute was opened and there were no notes to that effect and I request dispute to be opened again. 
The last time I called them on XX/XX/XXXX and talked to the customer service supervisors explaining the situation and requesting again to look into what is happening. Instead of investigating into this issue they have neither communicated any outcome of the dispute nor resolved the issue. To make things more worse for me I kept receiving collection calls hundreds of times and make my life even miserable with they reported this to the credit bureaus affecting the my credit negatively and kept adding the late fee and finance charges on my account. This is really troubling and adversely affecting my work and family having to deal with these issues despite me making the payment timely and did not owe any amount at all to Macys. 
I am attaching the
Consumer complaint received 2021-11-25
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. (MS)

Equifax furnished unknown inquiries on my consumer report without permissible purpose. In accordance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX ). I am exercising my right to challenge questionable information that I do not recognize the information listed in attachments.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

I received a bill from Macy 's Store Credit Card on XX/XX/2017 with a total new balance for that statement in the amount of {$300.00}. The payment due date listed on the statement was XX/XX/2017. I made a payment in the amount of the full balance of {$300.00} on XX/XX/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On XX/XX/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I had received an interest charge on XX/XX/2017 in the amount of {$4.00} even though I had submitted my payment in full of the total new balance sent to me in XXXX. The statement received in XXXX showed an additional interest charge of {$2.00} on the incorrectly applied interest charge added to my account in XXXX. Macy 's fraudulently charged the interest from the balance in XX/XX/2017 when the according to their own payment rules, no interest is charged on payments made in full for the entire balance. This situation reveals a major issue in how they charge interest to accounts with no catch to ensure customers are not fraudulently charged interest when there is no balance to charge interest. Not only did they charge me the incorrect interest in XXXX, they also charged a second interest amount for the XXXX bill and reported my account as past due. How long would this have gone on had I not checked my account even though I had payed my balance in full and had not used the card in two months? This is abusive behavior by Macy 's and it needs to be addressed with how their system applies interest to accounts and they should retroactively review accounts to make sure no one else has been effected by this major deficiency.
Consumer complaint received 2020-04-18
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. (TX)

I previously ... several weeks ago ... requested all 3 credit reports from the CRAs  as they refused to send 2020 reports. 
So I did receive those reports and applied for a loan which XXXX XXXX rejected which I expected but also sent me a letter telling my credit reports were frozen ehich I never requested from Equifax. 
I do not know if all 3 reports are FROZEN or just Equifax. 
This was NEVER requested by me I did ask for complete credit profiles however. Today is XX/XX/2020 Thanks XXXX XXXX
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

I had a membership with XXXX, which used XXXX XXXX as its credit card provider. XXXX changed its credit card to Citicard and start- ed sending me notices to change cards. Citicard, meanwhile, inundated me with application forms. I decided not to renew my membership with XXXX. Citicard, without my permission or contract, created an account in my name after almost a year lapse and had the audacity to charge me for for who knows what plus interest, penalties and fees. Citicard and XXXX act like they can not understand my objection. It is simple : I do n't want the account Citicard, I did n't agree to it and I want it expunged. 
does not know what what I am talking about