davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-27
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (VA)

After submitting an initial complaint to CFPB ( Case number : XXXX ) I had received, and accepted, an offer from CitiBank to pay {$6000.00}, {$250.00} per month over 24 months, as a settlement for my account. ( letter attached ) I have sent XXXX payments of {$250.00} to CitiBank, but never received a final statement from CitiBank. ( final letter that was included with payment attached - note that I have copies of all 24 letters sent to CitiBank that were included with payments ) I received a collection notice dated XXXX, from a collection agency demanding payment of an additional {$6300.00}, originally from CitiBank. ( attached ) I responded to the collection agency stating that I had paid all monies due ( letter attached ) Collection agency stated in letter that they would provide me with validation of the original debt, but I have never received anything back from them. 

Incorrect listing of the final resolution of my account has been sent to credit agencies by both CitiBank and the collection agency, and has severely hurt my ability to get loans. 

I have made every attempt possible to fulfill my side of this agreement, but CitiBank refuses to honor their side, and I need assistance with getting CitiBank to get them to honor their agreement.
Consumer complaint received 2016-05-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (TX)

I have told them repeatedly NOT to change my repayment plan and they did so, purposely resetting the repayment terms AGAINST my will. They have continually changed the repayment amounts and put in me into a payment plan I ca n't afford. I was told that it would be $ XXXX/month and now it 's over $ XXXX/month and I am unemployed and not receiving any unemployment assistance at all. I have been unable to find a job for six months and have not been able to make a single payment of the same amount for three months in a row without them changing the terms, repayment plan, or repayment amount.
Consumer complaint received 2015-11-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (CO)

I received a loan from Send Loan for {$600.00} and was unfer the impression that I would only be paying back that amount plus some interest. I see now that they plan to debit my account every 2 weeks for {$190.00} until XXXX of 2016 which makes me paying back over {$4000.00}. There is no break down on the repayment schedule as to what is interest and what is the primary amount. Plus I can not get them to provide me with anything that would give me that information. I would have never taken out a loan that would require this type of repayment. Plus now I see that it is illegal to lend anything over {$500.00} in the state of Colorado. Please let me know what steps I can take to resolve this problem. 
Thank You
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (PA)

I was contacted by phone text. Claiming to be a winner of an enormous amount of $ who wanted to help me get back on my feet. Agreed to forward me XXXX on a prepaid vanilla Visa card. I did forward a picture of front and back of card, but never gave him the # on my receipt. How did he still get the money on the card? Checked Balance and I have {$2.00} left on the card. Im ashamed as to what I fell for. Please help me. I am already down on my luck. The phone # are- XXXX promised to pay- sent photo to this #. Contacted me # s- XXXX and XXXX. If you can get my $ back I would appreciate it dearly. I can give you the visa # card and info if needed. Please help me.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Loan Science, LLC (CA)

On XXXX/XXXX/2015 I filed a complaint with CFPB, Case # XXXX. Loan Science responded to this complaint and offered me a Loan Modification for my student loan. I accepted the Loan Modification and signed it and returned it to Loan Science on XXXX/XXXX/2015. In their response to my complaint, they stated that XXXX ( their Loan Servicer ) would have the Loan Modification processed within 10 business day. Well, it is now past 10 business days. XXXX processed only part of the Loan Modification. They reduced the interest rate to 0 %, they reduced my payments to {$410.00}, and set my payment plan up for 354 months ... BUT, they did not reduce my principal amount. Currently, on XXXX website it states that I owe $ XXXX still. I should only owe $ XXXX according to my loan modification. See attached documents. 
I called Loan Science to find out why this still is n't updated. They then did a conference call with XXXX to find out why it is n't updated. We had to talk to several different people and we were finally transferred to a Supervisor with XXXX who claimed that they did n't recieve the information from Loan Science to reduce the principal, only the information to set up the payment at {$410.00}, the reduced interest rate at 0 %, and the payment schedule of XXXX payments. And then XXXX mentioned something about taking the amount off after I paid for 30 years. I do n't think so, this needs to be updated now to reflect the information the loan modification states. 
Not only am I stuck paying for a predatory loan that I feel is n't fair but when they offer me some sort of relief, they still ca n't even get that updated properly. I am at my wits end. 
I spoke with XXXX very nice ladies today at Loan Science, XXXX named XXXX, and her supervisor XXXX XXXX who told me that she would have this resolved by Friday and that XXXX would have their website updated to reflect the reduced principal amount. Although she stated that this would be updated by Friday I still feel the need to file a complaint because I need to make sure I have record of this issue so that it 's not delayed any further. It seems I only have resolution when I complain on this website. I want to make sure the principal amount is reduced before I may my first {$410.00} payment due on XXXX XXXX, 2015 because I fear that if they do n't have the principal amount reduced, any payment that I make will get applied to the old principal amount and when XXXX finally gets around to updating to the reduced principal amount any payment I have made will get lost and then I will have an entirely new problem to deal with.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX in XXXX, TX XXXX ran hard inquiries on me for a auto loan and i di not give them consent. i told them to stop after the first check. ALL hard inquiries were done when i was not even in the car dealership. They tried to get loans for XXXX $ from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX that went on my XXXX   Report. THey also ran credit for XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that all went on my Equifax Report. A total of NINE hard inquiries that were without my consent
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (DC)

Paypal has allowed the scamming XXXX to defraud my account. 
Their cart adds items on each time you visit against the wishes of the customer. 
XXXX charged me for XXXX memberships & XXXX listings of a membership. This is utter rubbish and contacted XXXX of the error XX/XX/2016. 
They recognized the error and said they credited me the difference. 
The problem is they did not so I opened a paypal dispute. 
The seller offered a refund of XXXX admitting liability and error. I requested that Paypal continue to investigate as I was truly owed XXXX. 
I only wanted one membership. 
I tried to contact Paypal to assist and they were unhelpful and decided the case in the favor of XXXX XXXX XXXX & denied the partial refund the seller offered. 
So i contacted the seller ( no one mans the phones at XXXX XXXX XXXX as it is a phishing scam site. They refused to return my money, canceled the membership and blocked my computer from accessing the site ( see documentation ). 
As such paypal has an obligation to return XXXX-XXXX=XXXX I tried to print out the chat conversation and was unable to. Given the customer service agent would rather block my ip address than address my concerns in writting, it confirmed my suspicion that this is some tech geek running a scam site. 
Regardless, as he canceled my membership and blocked me from his tech/phising site, I want my money back.
Consumer complaint received 2016-08-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NY)

Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my time.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MI)

Background : We have had this card since XX/XX/XXXX and have used it on and off during that period. Normally for " additional '' expenses. On XXXX XXXX, XXXX we went to use the card, while we were traveling, and it was declined. We figured it was because we were traveling. We called the XXXX number on the back of the phone, thinking we just needed to let them know we were traveling and get the card enabled. Much to our surprise, we were told they had closed the account due to non usage in XXXX XXXX. When asked why they had not notified us they said that " we e-mailed you ''. When we asked them to " re-open '' the account they indicated that they could n't and we 'd need to reapply. 
My complaint is, an e-mail is not a notification when it comes to something financial. Especially since we had just received new chip enabled cards the in previous couple months with an expiration date of XXXX/XXXX/XXXX. In this case CITI bank left us in an extremely bad situation, as this was the credit card we had planned on using while we were traveling. Now I am hoping that this has n't messed with our credit. Especially since they did n't notify us about the closing.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BB&T CORPORATION (FL)

I open up an Bb & t account online for my social sercuity deposit sand get misled by BB & T Bb & t sends me documents US mail and via email regarding my account opening and debit card that I never receive than tell me on the phone that it was never issue in the first place ( my debit card ) I was told to step into a branch via telephone onXX/XX/2018 for additional information after 2 weeks of opening my account which I was never informed in the first place until now ( reguarding new information to sign ( known as a signergure card ) after my account been open I requested XXXX accommodations within this public facilitiy due to the fact I am XXXX   to an XXXX XXXX, XXXX XXXX and can not get up there and can the send it US MAIL. They refused Bb & t customer services My account was open than Bb & t refused to send my debit card after giving me written email that it was order and I shall receive it within 3-5 days but never did Bb & t is now interfering to not send me my debit card noting I need it for my living expenses etal ... ...
Consumer complaint received 2015-05-26
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (TX)

I was called by Clear Credit Solutions, XXXX @ XXXX and told that I had committed check fraud, specifically Fraud with Malacious Intent, by not paying back a payday loan to XXXX XXXX XXXX. He furthered by stating if I did not pay the balance due by the XXXX of this month, charges would be filed against me. 
This person calls me XXXX to XXXX times a week as well a calls my daughter at work for me. 
I want his threats and scare tactics to stop! His actions are illegal. I 'm suffering XXXX unemployment! I have no money to give and am considering bankruptcy!
Consumer complaint received 2016-09-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (WA)

Back in 2003 I, XXXX, was the victim of Identity Theft. I filed a police report. I learned that XXXX bought a debt from CITIBANK, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX County Cause number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling XXXX, but have not been able to get a meaningful response from XXXX.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (MA)

I had a fraudulent charge made on my Macy ' American Express credit card XXXX weekend 2015. It was for about XXXX to the XXXX. It has not been settled by the \ Macy 's American Express card and since rejected they expect me to pay an additional XXXX dollars in interest and fees. They told me that I should not pay the charge since I did not make it then they rejected the claim after sitting on it for 6 months because they said that they did not have enough information. 
In regard to the following problem, I have recently written letters both to the Fraud department and Macy 's in addition to placing multiple phone calls involving wait times over an hour with no resolution. Have filed a police report. No replies to any paperwork submitted to the fraud department. Is there a way to sue the XXXX XXXX? Can they be taken to small claims court? 

They refused to remove a fraudulent charge from my Macy 's card and after 7 months the charge has increased from {$140.00} to {$350.00}. I called the original vendor and I can not find out what the charge was for. They have no record of anything being send to my house. This is usually the hallmark of a fraudulent charge. 

The Fraud department sent the charge back to collections so I am expected to pay all these charges plus interest and fees for something that I did not buy. 
Over a 6 month period, I have spent at least a day 's worth of hours on hold with the credit card 's Fraud department. One day I was on hold for 1 hour, then they hung up and so I called back. I was on hold for another hour and half until someone picked up. Even when you actually reach someone the fraud department, you can not talk to anyone who actually has knowledge of the case. That is another level away. They just take a message and obviously do nothing. 

DO NOT APPLY OR CARRY THE AMERICAN EXPRESS CAR THEY COMPANY AND ARE ABOUT TO GO DOWN THE TUBES. THEY WILL RUIN YOUR CREDIT OUT OF SHEER LAZINESS!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2016-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION (OK)

My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.
Consumer complaint received 2018-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I had made a deposit to the banking institution chase. I was informed that there was no banking error. However the machine hit a snap and did not provide me with a receipt. I had deposited alot of money and the company refused to provide me video of the deposit please assist. Amount in question well over {$600.00} dollars.
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (PA)

TSI Transworld Systems Inc, is reporting 3 medical accounts to the major credit bureau agencies. I have repeatedly asked for an itemized copy of the charges that reflects what I am being billed for, how much and by whom. However, they fail to respond. ALL of my medical bills were paid by my insurance provider shortly after the time of service. I highly suggest they submit the info to the insurance provider for payment. I am not liable for any debt. In the interim they are and have repeatedly violated the FCRA, FDCPA and other stated and federal laws. I am demanding that this erroneous information be deleted from all 3 of my bureaus immediately ( XXXX XXXX. XXXX  and XXXX  )
Consumer complaint received 2015-06-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (NC)

I had a past due balance from an apartment Complex called XXXX XXXX which was sent to Hunter Warfield, a collection agency. I spoke with XXXX XXXX back in XX/XX/XXXX who said that my balance was {$570.00}, but was willing to settle for {$220.00}. I was unable to do that as I originally planned. I called the agency back today & spoke with XXXX XXXX who now says that my balance is {$580.00}. I asked why and he said that they charge interest and that they 've had the account since XX/XX/XXXX. When I .looked at paperwork from XXXX XXXX, my balance was {$520.00}.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (PA)

I was incarcerated for 1.5 years. I just got XXXX and are currently living in a XXXX. During the time in XXXX I has limited availability to work on proceeding with the short sale. I have tried to work with citi to prevent the foreclosure of my property. I am currently working with a Realtor. We have a buyer and all of the short sale documents sent to the lender. We have a schedule sheriff sale date tomorrow Friday XXXX XXXX. I am requesting the sheriff sale be postponed to allow us time to proceed with the short sale. Please make Citi work with us to do the best thing for them and myself - allowing the sale as a short sale
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My credit card was used for fraudulent purchases. 
Citicards does not provide support to dispute the charges, and instead sent me a bill for the charges. Their phone line is shut down and website access to account information does not permit any disputes. 
citicards.com website makes it very difficult to dispute charges, while bills are sent promptly.
Consumer complaint received 2017-02-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MD)

When I landed on the page to find more information about the CitiSimpilicity Card, there were some details of Terms and Conditions, but the webpage said to begin an application to find out more information. Because I was interested in transferring a balance, I began the application to find out more, only to find out that the credit limit I was applicable for was too low to transfer my entire balance from another card. But the company had already opened an account for me before I had the option to reject the credit offer they had offered to me. I do n't want the card because I ca n't use it for my intended purpose ( transferring the entire balance of my other card ), and when I called customer service, they told me they could n't stop my account from opening and that I have to wait until I receive the card and then close my account. I know this will hurt my credit score. I would n't have applied in the first place if I had had all of the information before being directed to apply for the card.