davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

The loan was bought from a phantom bank called XXXX, which I can find no such name or prior information about. The interest on my loan has almost double the amount owed. They have only ( 2 ) options when you 're in financial destress, and once those options are exhausted XXXX claims there is nothing else that can be done to assist in repayment. They claim it is based on an agreement from the original lender which I can find no such trace of online. Thus causes your account to go into default even if you are trying to make payments. It 's unfair to purposely set people up for failure. The troubling issue is that they are holding me to a promissory note from a bank that I can not locate any information about, from, or to know that it even truly existed.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

I have a checking account with Citi and the bank has a feature called Checking Plus which is activated when my account went into overdraft. Once the overdraft happened, Citi essentially creates a loan with the overdraft amount. However, unlike other banks where a subsequent deposit would go towards the overdraft, Citi does not used the deposit to repay the overdraft line of credit. Instead, it starts charging double digit interests on the overdraft amount and just takes the monthly minimum payment from my regular checking account. I just discovered this when I looked at my banking statement more closely. Basically, even though I have more than enough in deposits to cover the overdraft, Citi has been charging me double digit interest rates on the so-called loan. I did n't even know when the overdraft had occurred and it seems like it 's been more than 1.5 years ( since that 's how far their online system goes ) and I 've been paying close to 20 % APR on this so called convenience that they provide for their bank customers. 

I do n't think this is a consumer friendly practice and this product is almost purposefully designed to get consumers to pay way more for the little convenience that they had offered for covering for the overdraft. I have never seen this practice at other banks and I think this is predatory behavior on the bank 's part.
Consumer complaint received 2016-04-04
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Stenger & Stenger, P.C (CO)

I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

Stenger & Stenger is supposedly a " Professional Law Corporation '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (WA)

Between XXXX and XXXX XXXX, I purchased furniture from XXXX to take advantage of their two year zero percent program. My XXXX American Express card did not have a high enough credit limit on it, so the sales representative helped me get the limit increased at the time of purchase. I noticed my XX/XX/XXXX billing reflected total interest charged in XXXX {$380.00}. I called XXXX and reviewed my account with them. They agreed there was an error and that the account should not be charging interest. An adjustment was made in the amount of {$480.00}. This was the equivalent of five months interest that should not have been charged. The {$480.00} adjustment reflected on my XXXX XXXX statement. My XX/XX/XXXX statement also included interest owing in the amount of {$81.00}. I called XXXX again. They claimed they fixed the problem and the interest adjustment would reflect on my XX/XX/XXXX statement. When I received my XX/XX/XXXX billing, there was no interest adjustment for the XX/XX/XXXX billing and interest in the amount of {$81.00} was now showing for XXXX. Once again I called XXXX XXXX and explained the situation. Again, they assured me the correction was made for XX/XX/XXXX and XX/XX/XXXX and the adjustment would show on my XX/XX/XXXX statement. When I received my XXXX statement, there was an adjustment in the amount of {$160.00}, XX/XX/XXXX and XX/XX/XXXX interest. The statement also reflected interest owing in the amount of {$79.00} for XX/XX/XXXX. Again, I called XXXX and explained the situation. At that point, they said a supervisor put notes on the account stating she did a re-amortization of the account and that no adjustments should be made because it required one full billing cycle to correct the problem once and for all. They assured me my XX/XX/XXXX billing would reflect the interest credit for XX/XX/XXXX and zero interest owing thereafter. When I received my XX/XX/XXXX billing, it reflected no adjustments for XX/XX/XXXX interest. It also reflected {$76.00} owing in interest for XX/XX/XXXX. At this point, I as a consumer fell that i have done my due diligence in trying to get this corrected. It has now been six months and I have made zero progress with XXXX in rectifying this situation. I am hopeful that you can assist me with correcting this problem once and for all.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

I opened a checking account with Citibank, and on the offer for the checking account, Citibank was to give me XXXX bonus miles up on completing some steps of payment and a minimum spend. I completed the steps, and waited for the miles to arrive in my account. No miles, so I called Citibank to find out where they were. Citibank then informed me in writing that there was no promotion available at that time, even though I have an email from them with the program details regarding my new checking account. 

I called and talked to a Citibank rep, XXXX # XXXX. She confirmed with me that there was in fact a promotion at the time I had signed up, and she also confirmed with me that I had signed up within the time frame provided in the promotion offer. XXXX # XXXX filed an appeal for me, and I received another copy of the same form letter stating that There was not a promotion offered at the time that I had signed up. 

I called Citibank again today, and talked to XXXX # XXXX, and she said after an appeal was denied, there was nothing she could do. 

Please help me to get the XXXX miles promised me by Citibank.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Signed up for a CitiGold Checking Account using targeted offer code XXXX. Upon completing the requirements for the XXXX bonus ThankYou points, I got a letter saying I had completed the requirements and that the points would be deposited. Well over 6 weeks after completing those requirements, I have not received the points.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OH)

I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

Recently checked my Macy 's bill and saw that I had been charged a credit protection fee. Called Macys and they said that I was enrolled in the program and I had been for 8 years now. I do n't recall ever agreeing to sign up for credit protection. I have cancelled the policy however, they are stating that they have to review my account in order to see if I qualify for a refund.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (ND)

We started dealing with Citi Mortgage back in XX/XX/XXXX for a modification. During the process of approximately 14 months, of continuing to send them documents after documents. The same documents many times. Having approximatley XXXX different representatives helping us. With each time a change in representative, meant us sending again the same documents. Also, we found out that some had different answers than others. At the beginning of this process, we were told by Citi Mortgage that in order to be approved to continue to go on with the modification process, we had to be 4 months behind. If we are current that shows Citi Mortgage there is no need for a modification. So that is what we did. I will say that is the dumbest thing we did. Than we ended up to where out acct ended up in foreclosure status, and we could no longer make payments. After many, many months of frustration we contact XXXX XXXX XXXX to have them help us with the process. We started with them in XX/XX/XXXX. As of today, we are still working with them. XXXX XXXX XXXX representative tells me that Citi Mortgage continues to ask for documents. XXXX of many frustrating moments is with XXXX at Citi Mortgage. We have sent multiple times a letter stating in regards to some land we have. It was stated to her in detail that this land is a cash rent land. There is no mortgage on the land, it was in-heritated. It is split between my husband and his XXXX siblings. That the land is crop land only. We stated who farms it, the amount we receive. XXXX decided to determine we had a home on this property. Which delayed things again. There was never any indication of a XXXX home. If she would have read the answer to her question on this property, she should have known that it is crop land only. Is a field of weeds until the farmer puts the crop in. That we get a payment XXXX a year. not monthly as she was assuming. We have been served papers today by the attorney for Citi Mortgage, but yet they continue to call us daily. We do not speak to them as that is what XXXX XXXX XXXX is for. 
This process has taken way too long. Many of the documents that they keep asking for do not change. The only thing that changes slightly is our pay stubs and bank statements. We need help to get this finalized.
Consumer complaint received 2016-09-30
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (FL)

Harris & Harris represented to me over the phone that a bill was in my possession, which in fact had never been delivered. After confirming my only address, they stated the letter was not delivered due to the address on file with their client being incorrect ; they do not dispute this error. When I responded to their phone call in which they stated I owed a debt - any inquiry as to the details of the debt were met with resistance. I was told that if I did not pay right away, my credit would report would be hit. I requested that if - any - substantiation of the debt would be provided, I would be happy to look into it. I was threatened that if I requested documentation of the debt, my credit would be affected. I persisted with the request for the evidence for the debt, receiving it finally the week of XXXX XXXX. This was the first bill I had ever received from the healthcare provider Harris & Harris represents. I pulled a credit report showing Harris & Harris entered the collection to my credit report weeks before providing me with the bill. In a subsequent phone the next week after receiving the bill, they refused to remove the collections to my credit, even if paid in full. 

Throughout my interactions with Harris & Harris they misrepresented communication with their client, lied about my communications with them. Their staff were elusive when pressed for even basic facts, and engaged in fast-paced, coercive lines of questioning as well. 

In summary, I was called one day and told I owed a debt. When I asked for the bill, I was harassed, had the debt reported to credit agencies, and lied to - all for a bill I was willing to pay.
Consumer complaint received 2016-10-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (MD)

I continually get robo calls with the message " Hello, this is Harris and Harris limited. We are debt collectors. Please call us at XXXX XXXX XXXX our office is open Monday through Thursday from XXXX To XXXX Central standard time Friday from XXXX To XXXX Central standard time and Saturday XXXX To XXXX Central standard time. Thank you. '' I do not have any outstanding debts and the caller does not address me by name. This appears to be phishing scheme to capture my phone number for further harassment. How can these calls be stopped. I have been on the Do Not Call list for nearly ten years.
Consumer complaint received 2016-07-20
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Aldridge Pite, LLP (CA)

Clear Recon Corp., as the supposed duly appointed Trustee for Deed of Trust recorded XXXX/XXXX/XXXX in Book XXXX, Page XXXX of the Official Records XXXX, is trying to foreclose based upon loan modification documents that were forged by XXXX XXXX Bank whose primary objective has been to force all XXXX Pick-a-Payment loan borrowers into foreclosure since at least XXXX. 

The XXXX XXXX XXXX 's office has no records of any transfers or re-assignments of either the original Beneficiary or Trustee. The Beneficiary that is still in place is XXXX XXXX Bank. The Trustee still in place is XXXX. 

I have checked with XXXX, XXXX XXXX and XXXX for the current ownership of the loan being foreclosed upon. XXXX and XXXX XXXX both deny ownership via their online verification system. XXXX also has no record of this loan onn it 's online database. 

Clear Recon Corp. and XXXX XXXX will not produce documents verifying the current legal Beneficiary or Trustee when requested. Clear Recon Corp. will not respond at all, other than to send multiple copies of the Notice of Trustee Sale with an updated sale date.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Alorica Inc. (CA)

This listed debt originated as a dispute between my health insurance and XXXX hospital. However, GLOBALRECEIV collection agency is in direct violation of The Fair Credit Reporting Act ( FCRA ) which limits how long a credit reporting agency can report negative items in your credit report, this debt is over 10 years old. The collection agencies keep selling the debt to each other and placing it on my credit report even though I keep advising the foregoing and that under the FCRA the clock does not start ticking again each time the account is sold to another collection agency.
Consumer complaint received 2017-02-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.
Consumer complaint received 2016-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NE)

CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.
Consumer complaint received 2016-06-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

Original complaint filed against this CRA on XXXX XXXX, 2016 under case number XXXX. Instead, of acknowledging the complaint, the CRA sent a standard " boiler point response that they will check with the original furnisher of information ''. In fact, report number XXXX, dated XXXX XXXX, 2016 has XXXX accounts that are listed on the report as : " This account is scheduled to continue on record until XXXX 2016 ''.