davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Opened CitiGold account in XXXX 2015 for XXXX TYP promo. Met requirements within the allotted time period ( 2 bill pays within 60 days ). Verified multiple times over the course of a few months that the requirements were met and the points would post. Waited for the points to post and they never did. I have screen shot records of the promotion and the verification that I would receive the points. I have been bait and switched by an offer which has not been fulfilled. CitiGold is defrauding customers by offering promotions and not honoring them. I should be entitled to XXXX points worth {$500.00}.
Consumer complaint received 2017-01-25
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CT)

Missed a payment on a credit card due to mishap with bill pay at my bank. Paid in full 10 days late. Called credit card company to settle the issue and see if anything could be done, they said no, the XXXX $ late fee would remain. I stated I would close the account. They offered some bs but I was n't interested. I asked what the current balance was so I could pay in full. She told me the balance but said it would change as every day the LATE FEE would accrue interest
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IN)

I was the victim of an employment scam and credit card fraud that effected XXXX of my credit cards. I was offered a job working freelance for a company named XXXX XXXX XXXX, based out of Florida. I did work for the company and then purchased materials and was reimbursed via electronic funds transfer directly to my credit card. Once the materials were delivered to the employer they reversed the transfers leaving me with over {$30000.00} in credit card balances and stole the materials I had worked on. One of the credit card companies, XXXX, approved my fraud complaint and cleared the charges. The other, CitiBank, denied my claim and is now charging me interest and pending late fees on a {$16000.00} balance. They took over a month to investigate and then decided to deny my claim so it has taken a long lasting impact on my credit and now I have even more debt racked up. I am refusing to pay any of the debt and am at a lose at what to do.
Consumer complaint received 2015-08-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (UT)

I am writing this letter in regards to the complaint case number XXXX ( Citi bank fraud complaint number reported to XXXX XXXX XXXX which I filled on XX/XX/XXXX. In which Citibank/ Sears have issued a credit card to someone under my credentials back in XX/XX/XXXX, which has a due of XXXX and was never paid off. It has started to bring my credit score down to subsequent level. 
I have never opened any account with Citibank/ Sears and either me or, someone related to me have never received any goods of services from this account. So I request you to close this account and inform all three credit bureau 's immediately. Since because of this fraudulent account mortgage banks are charging me high interest rates then they would have charge me otherwise. 
I have already filled the police report for the following incident with the case number XXXX. I have already signed and send the documents they requested a week ago I want bank to proceed quickly in resolving this matter since its costing me to pay more money to get home loan and I have been spending lot of hours to get this dispute corrected. If this gets pushed beyond XXXX XXXX and my mortguage bank charge me additional interest rates then they would have charged otherwise I would be pressing those charges against Citibank/Sears because I am not responsible for this. 
Please feel free to contact me anytime at XXXXXXXXXXXX or XXXX XXXX XXXX if you have any questions or need more details
Consumer complaint received 2016-05-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank distributed a promotion flyer to me in XXXX 2016, saying that anyone, who opens a new checking account, makes an eligible deposit of {$15000.00} or more in new-to-Citibank funds into the new checking or new or existing Savings Plus Account Within 30 days of account opening, and maintains a minimum balance of {$15000.00} for the 30 consecutive days following the date of the qualifying deposit, will get {$400.00} cash bonus. 
I made a deposit of over {$27000.00} on XXXX XXXX into the checking account. For the safety of my funds, some of the money was put into my saving account. Citibank 's monthly statement concludes with an item called " Total Checking and Savings at Citibank '', which I believed was the number that should be above {$15000.00} ( as long as this number was above {$15000.00}, I was eligible for the bonus ). And so I paid attention to the total savings and kept the deposit in my checking account and saving account combined stayed above {$15000.00} till XXXX. In XXXX this year, I called Citibank a handful of times to request the {$400.00} cash bonus but they rejected me saying that my deposit did not stay above {$15000.00} for 30 days. And they would not take the total deposit ( checking + saving ) as the basis for evaluation. 
The information Citibank provided in the promotion and its statement is extremely misleading. And Citibank was never clear about their requirements. The fraud Citibank is committing deeply hurts consumers like me and consumed much of my time and energy.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (ME)

XX/XX/XXXX I had a XXXX and was not able to work. I contacted Sears - CBNA to let them know I was going to be late. At that time I was forwarded to a department who asked how much I could pay each month and if we went into a payment plan and I paid it monthly we would be able to maintain the plan. I made each payment on time with auto withdrawals and completely paid the debt off XX/XX/XXXX. At that time my credit report showed paid as agreed never late. Once the balance was completely paid CBNA / Sears notated my account was late 11 times in a row of 60 days and 9 times in a row of 30 days late. When I disputed they said even though I paid on time and paid what they sent me bills for monthly it was still not enough and that is why it showed 60 days late. I paid every bill they sent on time until there was a XXXX balance. I paid the balance off early.
Consumer complaint received 2015-09-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (PA)

Sears credit card is constantly contacting me regarding the debt my husband obtained and in which he is incarcerated. I have told them numerous times and the continue to contact me all day long. And I tell them what is going on and apparently no one reads any notes so then they want to know all this information about me and I am not on this card with him. I was trying to pay as much as I could for him but due to me not being able to sell and buy my house I am unable to any longer afford his debt. But they continue to call for him all day long everyday.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NE)

In XXXX, I signed up for a Citigold account via a promotional offer ( XXXX ) that advertised XXXX XXXX XXXX miles after completion of two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. It was then concluded that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.
Consumer complaint received 2015-07-23
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CITIBANK, N.A. (TX)

Rude and continued to talk over me while explaining that I was at work and would not discuss the matter. Continued talking then made rude comments that he isnt the one who didnt pay their bills and he didnt care about my issue. 

Each time I stated I was at work, he continued talking over me and was rude. I do not know how they even found my work number because I do not write it down nor call it. 

In addition, I looked the number up and it was a personal phone number used not a business and I am concerned this person has my information and may not be secured. I did not verify any information except that the company in question refused my payments I was making when I was unemployed and had no money.
Consumer complaint received 2016-04-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

I cosigned a loan with XXXX XXXX in XXXX for my son XXXX XXXX. 
We were led to believe that this was a Federal student loan and in XXXX the loan was apparently transferred to Navient and everything changed. We had made XXXX monthly payments only to learn that those payments did n't apply to the loan. The original XXXX loan now has a balance over XXXX. The payments have gone from XXXX a month to XXXX a month. I have asked repeatedly for details on interests calculations and have received none. I have asked for information about how the payments are a applied and have received none. I have asked for an explanation of how a loan after XXXX payments could be XXXX hire than the original amount. 
I have asked why if I paid the loan off today why would I owe XXXX instead of the outstanding principal and I still have n't received an explanation. Something is really wrong here. Please help. 
The acct # is XXXX. My son is XXXX XXXX and my name is XXXX XXXX. 
my number is XXXX Thank you
Consumer complaint received 2017-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TCF NATIONAL BANK (MT)

I have made all payments on time or early. I made a payment on XX/XX/XXXX. On XX/XX/XXXX the payment I made to them was refunded back to me. I called them and asked them why the payment was refunded and they said they were n't sure but my account was labeled paid in full so they told me not to worry about it. 15 days later I received a call from them stating my payment had not been made and that my account was delinquent. I told them what I was told the last time I spoke with them and how they said I was all paid up. I also told them about the payment being refunded. I also had my bank fax them proof that the payment was made and then refunded. They have disregarded all of this and continue to call me every 7 days threatening to take my car away and ruin my credit. I am a XXXX woman in her XXXX 's and I do n't know what else to do about this.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CT)

I use the Citibank XXXX Advantage Credit Card which entitles the consumer to Group XXXX Boarding on Flights and XXXX Free Checked bag on XXXX airlines flights. The card has a annual fee of {$85.00} dollars for these services. My family and I took a trip on XXXX XXXX on XXXX XXXX to from New York to XXXX XXXX XXXX returning on XXXX XXXX. We did not receive Group XXXX Board or our free checked bag. I contacted Citibank on XXXX XXXX and the service person apologized but indicated that nothing could be done about the services that I paid for that I did not receive. I then asked how could I be assured that I would receive the services that I paid for in the future. The representative could not assure me that I would receive the benefits that I paid for. So I asked why was I being charged for a card that would not work. The agent then offered me XXXX american airlines miles. I never received the miles and I am not receiving the benefits that I have paid Citibank for with this card.
Consumer complaint received 2016-10-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (CO)

my dad had XXXX XXXX XX/XX/XXXX.XXXX has continued to bill him even though I paid a {$220.00} copay and XXXX paid a {$180.00} copay.It has gone to collections wrongly. XXXX XXXX was paid in full in the amount of {$800.00} because I did not know there was an ambulance benefit.XXXX now says the debt is settled.XXXX XXXX also never made a claim with XXXX, probably because they liked my payment of the balance than a copay from XXXX. I have copies of all the bills and payments.I feel like they are targeting seniors. I wish they would get audited to prove me wrong. I find it hard to believe we are the only ones they are doing this to.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

Last year around XXXX or XXXX I spoke with my husband about minimizing our debt, of our debt we both had student loans. My loans were private through XXXX ; now called Navient, I called them up to see what my options were because I was behind on my payments. My husband had already spoke with his creditor XXXX who agreed to a $ 0 monthly payment based on our monthly income but when I spoke with Navient they first told me the lowest amount would be {$60.00} then cut it down to {$30.00} which may not seem like a lot but with our monthly expenses for childcare and other obligations it was not doable. I then asked for a forbearance which was granted but this has been one of many and during this time the interest has equated to almost 3x what my original student loan was. I now owe close to {$4000.00} when my original loan was only {$1200.00}. I 'm not sure what my options are anymore because when I call to attempt to settle it, they are always recommending a forbearance or to request a hardship to hold off payment while the interest is steady racking up.
Consumer complaint received 2016-06-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (CA)

XXXX credit reporting service reduced my credit score by more than XXXX points in XXXX of 2015, dropping it from the high XXXX to the XXXX. My credit report states that I was 90 days late paying a student loan from XXXX University from University Accounting Services LLC ( henceforth " UAS '' ). The monthly payment was XXXX. I used my XXXX XXXX XXXX autopay feature to debit my account to make the payments. I have done so since XXXX without missing a payment. 

For some unknown reason the payments for four month in late 2015 months were either not sent or received. The automatic payments resumed again in XXXX without my having done anything to change their settings. Stranger still, I had a smaller loan from UAS during the same period that was paid the on the exact same day as the larger lone and we never marked delinquent. 

I believe there was a either a systemic IT failure in XXXX XXXX XXXX 's automatic payment system or a similar failure in XXXX 's receipt system. My checking account balance was more than enough to make these payments. 

I was not contacted by XXXX University, XXXX XXXX XXXX, UAS, or XXXX about the delinquent account and had no reason to believe that this account was behind. Indeed, I have not missed a payment on any credit line in the past 16 years. These missing payments from XXXX are a clear deviation from this trend. 

Moreover, as attached, my bank statements for the months in question show clearly that the payments were debited from my account on time and sent to UAS during the months in question. I have attached a screenshot of my credit report as well as bank statements that provide evidence that my account was debited for XXXX each month. 

Neither of the XXXX other major credit reporting agencies noted the account as delinquent. 

The drop in my credit score will significantly reduce my ability to take out a mortgage or loan in the future or rent an apartment. If XXXX is unwilling to make such a change, then I would like to request a refund of all debits from the allegedly defaulted account, which total to several hundred dollars.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I do not agree that the amount i applied for plus interest is the same amount that Navient had when I revieved my first statement. Im off in my calculations and they refuse to explore or admit that I was charged too much. Horrible customer service, I am exploring consolidation through education department and picking another lender.
Consumer complaint received 2016-01-16
Product: Credit card — 
Issue: Billing statement — 
Company: KEYCORP (WI)

Using an automated form field from a website where I frequently make purchases, I inadvertently charged XXXX purchase to my Key Bank MasterCard. I did not receive any bills or payment due notices from Key Bank regarding the outstanding balance on this card. ( This did n't seem odd, as I do n't normally maintain a balance on this card, so I was n't expecting a bill. ) Key Bank began reporting my account as delinquent, but never successfully contacted me in order to resolve the issue. 

Key records claim that they sent me an email balance statement monthly, but I am not receiving these from them. Even to this day, they have made no effort to resolve the ineffectiveness of their email delivery system. 

Key records claim that the sent me XXXX ( XXXX ) document in the mail to notify me of the issue after my credit was revoked. I did not receive this document. 

The original charge that started this issue was approximately $ XXXX-XXXX. Key Bank has forced me to pay significant late fees in order to stop reporting my account as delinquent. 

I have sent two messages to the Key Bank Credit Inquiry Department explaining the circumstances and requesting that they take some responsibility for the ineffectiveness of their billing system. I have also spent over 4 hours on the telephone with customer service representatives. All of these efforts have been ineffective. Key Bank is taking no responsibility for their involvement in this issue. 

My credit score has dropped from over XXXX to under XXXX due to this issue. 

I am still unable to receive billing communications from Key Bank.
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (NY)

On XX/XX/XXXX I came home to find two individuals who had broken a lock and entered my home without permission and were letting the water out of the hot water tank. He explained that he had a work order to do this work - of which I have a copy - but had no court order, understandably, because the house is not in foreclosure, only delinquent in mortgage payments. I told him I was calling the police, and he, to his credit, waited for the police officer to arrive. The contractor gave me his address and phone contact information when requested and on the work order was the contact information for the company that had contracted him to secure the premises, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On the work order was a contact name for XXXX, XXXX XXXX at XXXX. I called this number and a man answered who said XXXX had stepped out - it was approximately XXXX - and he transferred me to another woman. I asked her why her company had contracted with a local contractor to enter the property without a court order, told her she had no legal authority to do so and told her that I had just called the police, and she hung up. At that point the police officer arrived, and I gave my statement ; he then went outside with the contractor to obtain his statement. He oversaw the re-installation of the new lock and door knob, since the original had been destroyed, and the clean up to a reasonable level of cleanliness and water removal of the mess the two had made around the water heater. The police officer explained that he did not believe the contractor believed what he was doing was illegal and trespassing is a crime of intent, so he would not be charging the contractor with a crime, but he told me I might want to contact the State Attorney General because it is very interested when corporations or financial institutions violate the law, but that the local police had no interest in pursuing the case further. When outside in the driveway before he left, I told the XXXX, XXXX XXXX, that in the future, at this home or any other in XXXX State, you need to demand a court order showing you have the authority to enter a house before you may break into it. I also told him the bank has all my contact information and all you need to do is contact me, and if I deem it appropriate, I 'll let you in voluntarily.