davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

I am contacting your agency because I need your help in disputing some charges done on my Mastercard At & t Universal credit card by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid XXXX company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a charge of {$2500.00} done on my card by XXXX charged twice on XXXX/XXXX/2015 and XXXX/XXXX/2015, total of {$5000.00}. They contacted me by an unsolicited phone call they promised me a banner, an ad placement, vip placement, 3 month ad placement, they would promote XXXX website.They kept saying how important their services were and would bring traffic to my website. was their Supposedly leads and visitors to website. I never got any results of their work.I did not get any benefits from it. I never received any goods or services. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with them and get my refund but they ignored my requests.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WI)

I only was making XXXX and my payment was {$180.00} then i got married and my wife only makes {$22000.00} and she does not work in the XXXX and she does not collect unemployment and they raised it to {$410.00} i can not make that those monthly payments im borrowing against my credit card to pay and i also have a peaks student loan that i pay {$220.00}. Im not even working in my field. I went to XXXX and i feel that with an XXXX XXXX i feel that my XXXX loans come to approximately {$60000.00}. Im XXXX years old and I am in more debt now than when i went to school. And now that XXXX closed down i Have no resources to get a job. I need help
Consumer complaint received 2016-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

10months ago I contact Navient and asked if I paid extra on my student loans could I allocate any additional payments to the loan of my choice. Navient told me " no, this is not an option. '' 2months ago a customer service representative told me that yes I could make an extra payment and allocate the amount of my choice to the loan of my choice. I would have to make a payment, wait for it to post, then call Navient to have the payment allocated to the loan of my choice. 

XXXX/XXXX/16 I made my minimum payment plus an additional {$10.00}. 

XXXX/XXXX/16 I waited for it to post and called to have the {$10.00} allocated to my Consolidation Loan XXXX. I checked online to ensure that my payment was allocated correctly and my balance went up on XXXX Consolidated Loan XXXX and XXXX by {$140.00}. 

XXXX/XXXX/16 I spoke with Customer Service Representative XXXX and she stated that they would fix the problem and that she can see where multiple changes were made to my payment. She also verified that my total balance due on Consolidation Loan XXXX was {$3800.00} ( {$92.00} more than what my online account states ). She also verified that my Consolidation Loan XXXX balance was {$1700.00} ( {$52.00} more than what my online account states ). 

XXXX/XXXX/16 I contacted the Ombudsman for XXXX XXXX. XXXX XXXX recommended that I contact Navient Advocate Team and that he was confident they would fix the problem. 

XXXX/XXXX/16 called Navient Advocate help line to address the issue. XXXX XXXX set up an advocate specialist for my case. XXXX did state that there are " inconsistencies in balances and that should n't be. '' XXXX/XXXX/16 XXXX XXXX XXXX ext XXXX contacted me. She stated that " there is a problem with the online system and they have noticed that the balance in their database is different from my online Account History and that my online account history is incorrect. '' When asked when this issue would be fixed XXXX stated that " currently there is no date set to accomplish this fix but that she would email the appropriate people and ask. '' When asked to verify my balance due XXXX stated that Consolidation Loan XXXX balance was {$3800.00} ( {$42.00} more than XXXX stated on XXXX/XXXX/16 and {$130.00} more than my online account states ). Consolidation Loan XXXX balance was verified at {$1800.00} ( XXXX more than XXXX stated and {$83.00} more than what my online account states. 

When asked if I could just pay off my student loans in full and be done with this. XXXX stated that " you can only pay the minimum payment with a credit card and that anything additional must be paid with a routing account #. '' XXXX/XXXX/16 I contacted the XXXX the Ombudsman and he was stated that " this case might not meet the criteria '' and he gave me the XXXX XXXX and he defended Navient saying you might want to " take them up on their word, '' and wished me " good luck. ''
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: SCA Collections, Inc. (SC)

paid for this bill to XXXX medical center for six year or more years! then stopped billing me, and turned over to collection agency filling on my credit!! this is a six and one half years old and I never missed not XXXX payment! this was all caused from a insurance company I paid for fifteen years did not pay a bill they approved with hosp. and XXXX!!
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I had sent Navient a letter requesting the removal of 3 late payments that occurred on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As with any loan I have had in past for school once you graduate you have 6 months to start to repay. I was still in the grace period those months except possibly XX/XX/XXXX. I mailed a certified letter to Navient XX/XX/XXXX requesting the removal of the late payments due to being in the grace period and that particular loan was consolidated among XXXX other loans on XX/XX/XXXX. I even sent them a letter from University of XXXX. Navient responded that they are reporting correctly, in which I do not agree with. I never recieved anything from them stating that I was to start repaying the loan. I only noticed this error when I checked my credit report. The loan was from XX/XX/XXXX and I was attending XXXX. This loan was paid in full on XX/XX/XXXX due to consolidating my loans. Not once did Navient send me a letter stating about repaying the loan or start date to repay it. The loan was for {$2200.00} which was paid!!
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I had a contractual agreement with Citi-Bank on a Balance transfer from XXXX Credit card to Citi-Bank. The reason for the transfer for a lower interest rate. Citi-Bank entered into an agreement to have the interest rate remain the same for the term of the note. Citibank increased the interest without notice. Whereas payment to Citi-Bank was through direct debit my bank account. After several calls to Citi-Bank customer service, they admitted their mistake and corrected it. I received a statements reflecting this error and showing a corrected actions. Then I received a statement from Citi-Card once again with an increased interest rate to 29.5 % and a penalty for not paying a full payment. I have been advised by my attorney that this action was a freud, a former Judge also stated that Citi-Bank had committed a fraud.
Consumer complaint received 2017-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

CITI Bank account XXXX. I have XXXX CITI accounts, this business XXXX was used only during the XXXX. When the {$75.00} annual fee came due in XX/XX/2016 ; I called to cancel. The rep said if I kept the card open the {$75.00} annual fee would be reversed. After 2 months I call to inquire why this had yet to happen. I spoke with the leader of team # XXXX in XXXX, FL, XXXX. XXXX said the rep other rep did n't note this reversal in the record so he refused to do anything. He suggested I close the account and would received a pro-rated credit of my {$75.00} ; which I did, however, no credit has yet been applied. Given CITI Banks record I doubt it will be!
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, XXXX I opened a checking account using code XXXX, which I got from Citibank 's website. I have a screenshot of the offer.The terms of the offer stated if I made a deposit of {$50000.00} within 30 days of account opening and left it for the next 30 days, I would have a {$500.00} bonus deposited to my account. I made a {$50000.00} deposit 12 days later and left all of it there for over the next 60 days. I asked about the offer over the phone. I got a secure message on XXXX that the bonus would be posted within 90 days of the offer fulfillment, which would have been XXXX plus 90 days. It was never posted. I called again on XXXX and was told that they would have to research it ( XXXX ). The rep on the phone said if I did n't hear anything in XXXX or 4 days to call back and give them that number and they would expedite. I called back 5 days later and was told the same thing, that they would expedite the research. I called again today for the third time in 2 weeks, and was told again to wait while they expedited. I see from looking at the CFPB database that this appears to be a common complaint. If I had known this, I would not have even bothered to open the account. I have had a Citibank credit card since XXXX, a loyal customer for the past 29 years, just not a checking account with them. I was impressed with their quick response to my phone call in XXXX. I am disappointed with the lack of response to my last calls. It almost seems like a stall tactic now.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (KY)

XXXX/XXXX/XXXX made a purchase for {$2500.00} at Home Depot using my Home Depot credit card through Citi Bank. Transaction was supposed to be set up for 24 months same as cash. I made a second purchase on XXXX/XXXX/XXXX for {$230.00}. 
I have been paying $ XXXX month since XXXX XXXX. Instead of setting my original purchase up for XXXX mos they set it up for 6 months in be known to me they started charging me interest on my purchase. Once I realized the issue I called credit services on XXXX/XXXX/XXXX and pointed out it was supposed to be 24 months same as cash. They have corrected that and out both totals due on XXXX mos however I have made at least XXXX additional calls since XXXX because they are not crediting me the {$720.00} in back interest that they charged me when they ended my promotion at the 6 mos mark. I have called 4 times and have gotten the same response to allow XXXX billing cycles ( which has come and gone ) and then have been passed around customer service to the customer advocate unit and they all say " oh I see where it was requested but nothing has been done, I will send another request ''. I am done with their excuses when I owe money I get calls and emails and threatening late payment fees but when they are due to credit me they drag their feet and nothing is being done!
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (DE)

I made a purchase in XXXX with my Macys credit card for about {$43.00}. I never received a paper statement. I did find a email in my junk mail after the fact with online statement. I did not receive any additional statements once a singe payment was missed as well as a second additional payment. The balance today is {$110.00} after a {$27.00} and {$38.00} late fee was charged. this fee is outrageous given the balance. Second, when signing into my account, access to statements is disabled because the account is past due. I also am unable to review my disclosures as I was concerned about the late fee terms associated with balance amounts. After I called, no attempt to resolve the balance was made even though it was not intentional to miss the payment. I am writing this because I feel that the macys credit card has exercised unfair practices that resulted in multiple missed payments and then is attempting to get almost triple the money based on the original purchase amount. In addition, my credit report will most like now be effected, and I have no power to negotiate with them.
Consumer complaint received 2015-10-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WI)

We have had an Exxon Mobil credit card for several years. Inasmuch as we spend winters in Arizona and our mail has to be forwarded to us, we decided to reduce the number of credit cards that we use due to some issues with mail not being forwarded. It should be noted that we have been at the billing address since XX/XX/XXXX and forwarding should not be an issue. The last use of the card was done in XXXX 2015. We paid the statement that was due on XXXX XXXX, 2015, for {$1.00}. We did not receive any further statements until XXXX 2015. We were not concerned about the lack of statements thinking that the account was paid in full. The first that we were made aware of an outstanding balance was when we were contacted by a collection agency ( letter dated XXXX XXXX ), and then we received our XX/XX/XXXX statement ( closing date XXXX XXXX ) from Exxon Mobil which by then included hundreds of dollars in late fees. 

Since receiving the notice from the collection agency, we have made multiple attempts to resolve this issue with both XXXX XXXX and XXXX XXXX XXXX as to why statements were not sent until after large fees were attached to the original purchase. It took multiple calls to even obtain the original balance. Our efforts have been hampered due to Exxon Mobil 's policies dealing with customers. Although they routinely record phone conversations, they will not allow us to do the same. Faxes that were sent with supporting documentation were not acknowledged. Certified letters with the same documentation were returned twice even though they were sent to the address they provided. 

In summary, every effort that we have made to exercise our rights to dispute the bill have been blocked by their policy to restrict the customer 's ability to have any type of permanent record of the dispute.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be removed promptly. 
XXXX XXXX Balance : {$0.00} ; DEPTEDXXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2016-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: The CBE Group, Inc. (OH)

This debt company sent the first coorespondence to me via email at my job and stated they were a debt collector. My work email is not owned by me but instead the company I work for and my assistant opens my email. The embarrashment was overwhelming. When I called and asked why they did n't call my cell or send a letter to my home they stated I gave the email address to verizon so they felt it was okay. By the way, the only reason verizon had my work email is because that is how they confirmed I was eligible for the discount. 

This practice is not at all right and needs to be addressed as it has caused me embarrasment.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I have been a cardholder since 2011. I have a {$2000.00} credit limit, recently I 've had a balance of around {$700.00} because I just recently moved, bought home stuff, and switched jobs. This month, I never received my statement online but had contacted them on XXXX to make arrangements, as I was unable to make my payment due to health issues and recent difficulties. My payment was due on XXXX XXXX, I called and spoke to a representative on the XXXX. I said I was not able to make my payment until XXXX XXXX. He said he would keep my account on his " personal queue '' to ensure I did not receive a late fee, and that no damage would occur to my credit as I had called to make previous arrangements. He was professional, curt, and empathetic. Cut to today, XXXX XXXX, I received next months statement with a {$27.00} late fee and a notification that my credit limit was being cut to {$800.00} - a {$1200.00} decrease! I spoke to a supervisor who said she could not do anything to restore my credit balance or waive my late fees in full, she could only waive half of them, as I have had a late payment in the past. I reminded the supervisor that the credit limit decrease would DESTROY my credit score, and she said it was not her issue, as it was a decision based on my late payment and my credit history. I got onto my CreditKarma and my credit score had went down XXXX points on XXXX XXXX due to an increase in credit utilization, because i lost {$1200.00} in credit limit! I was on the phone with them for 57 minutes while they ping ponged me around. Yes, it is your issue. I 've been a loyal customer for the last 5 years, I 've sworn by their services and you just lost that. Awful customer service, no one can speak good XXXX, no one cares about promises that their representatives make, and they obviously do not care about their customers.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

On XXXX XXXX, 2015, I opened a Citigold checking account with an offer that stated I would receive XXXX XXXX miles ( worth approximately {$500.00} ) after meeting certain criteria. I then met those criteria and confirmed with a Citi representative via secure message. I was told to expect the XXXX XXXX XXXX miles by the end of XXXX. During this time I was charged three monthly service charges of {$30.00} each. Now after confirming the promotion was applied to my account, confirming that I had met the requirements for the promotion, and confirming they would be depositing the miles, Citi is changing their mind. They have decided to investigate if I was targeted for the promotion. I have waited over three weeks to hear about the investigation but they have not contacted me. Over the past six months, Citi never said anything about needing to be targeted for the promotion. I have {$90.00} in fees which will continue monthly during their investigation, and I do not have the XXXX XXXX miles that they confirmed I would receive. It 's not right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope Citibank will honor the promotion they already told me I qualified for.
Consumer complaint received 2016-12-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (WI)

I had a judgment against me on a {$5000.00} balance from an old Citi credit card from my early XXXX and I 've been paying on it for almost 7 years now, around XXXX every year has been taken from my check and I have more than paid this debt back and I feel I 'm getting taken advantage of by their debt collection service, XXXX Law Firm.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

i need to file complaint against macys credit held by citibank. they are charging me for promtional accounts that i do not have items for. i have call multiple times to have my account review and adjusted properly. all i been told is to speak with mangers, or someone will call me back, also i have been told that my account will be fix within 72 hours. and all this has been since XX/XX/XXXX. and nothing has been review. my monthly is due XX/XX/XXXX for the amount {$210.00}, last supervisor i spoke with said i have to paid it while my account being review. i told her no! i will not pay til everything is fix. also its frustrating when the calls are being route in another country and they dont understand me.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (MA)

I defaulted on my Citibank credit card 3 years ago. I have contacted Citibank multiple times to pay off the account but they can not find my information anywhere but are still reporting it to the credit bureaus. It came to the point where someone from Citibank told me to dispute the account with the credit bureaus and see if that would trigger a response to verify the account. The account was removed from my transunion report but was verified on the other XXXX reports. I then called Citibank again and was transferred multiple times and still nobody could verify me or my account and as far as they were concerned I was nowhere in their system. I was also told by Citibank send a fax explaining everything and attach a copy of my credit report for their dispute department. They have not responded. I am not trying to get out of the debt and want to pay them but since I do n't exist to them for whatever reason I ca n't. I am trying to apply for a home loan and this mark is holding up the process. Thank you.
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

On XXXX/XXXX/2015 I was induced in opening a Citigold checking account with an offer stating I would receive XXXX XXXX XXXX Miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX Miles to be deposited into my account by the XXXX XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited in XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting the XXXX XXXX Miles. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.