davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (SC)

A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit
Consumer complaint received 2016-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I sent a letter to FedLoan Servicing in XXXX 2016 explaining that I would like all the extra payments I make to be applied to the principle balance of the loan, rather than to interest. I have just discovered that for the past 7 months, they have continued to apply my extra payments to interest, despite my wishes. They never sent me acknowledgement of receipt my request, yet when I call their XXXX number there is only a computer that responds. I feel I do not know how to contact them in order to apply my extra payments to my principle, which hurts me in the long run as it extends the payment period and increases the overall amount that I will be paying back.
Consumer complaint received 2016-04-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

I applied for a consolidation of my school loans and the income contingent repayment plan with the federal government in XXXX XXXX. My application for consolidation was approved XX/XX/XXXX and I was paired with Fedloan Servicing as my loan servicer. However, I was never informed that I had been approved for the ICR plan by Fedloan Servicing nor did I receive a bill for my first payment under the ICR plan. My understanding was that my application for the ICR plan was still be reviewed. By XX/XX/XXXX, I still had not heard back and as a result, I put my school loans in forebearance, since my monthly payments exceeded my monthly income. At no point for an entire year was I contacted during that time to let me know that I was accepted into the ICR or what my monthly payment was under that plan. Thus, by XX/XX/XXXX at the end of my forbearance period, I reapplied for the ICR plan, at which time, I immediately began repayment. Fedloan servicing admits they can not find the letter in my paperless inbox. In addition, I received an email after the time that Fedloan servicing said I was approved for that plan, that they were still waiting to hear from my to apply for a consolidation. This lead me to believe that my loan application for ICR still had not been completed. The interest that accured during this forebearance was {$25000.00}, which has since been capitalized onto my loan. 
In addition, another {$25000.00} was capitalized on my loan in XX/XX/XXXX for a reason that Fedloan servicing can not explain. I was given XXXX different reasons why it capitalized, and every time a reason was refuted, they came up with a new reason. 
Fedloan servicing gives incorrect information or no information at all, resulting in decisions that cost borrower tens of thousands of dollars. My school loans are currently over $ XXXX- {$50000.00} of which resulted from Fedloan servicing and their ineptitude. 
I am not borrower looking to get away with not paying my loans, I am a borrower who wants to pay what she truly owes, not inflated amounts resulting from a third party. Fedloan servicing has an obligation to keep the borrowers informed. Failing to let a me know that I had been approved for a repayment plan for an entire year is unacceptable. The student loan crisis is in no doubt partially due to loan servicers not providing borrowers with the information needed to make responsible decisions. They read from screens and ca n't answer any questions that deviate from their prompts. PLEASE DO SOMETHING ABOUT THIS. THEIR MISTAKE COST ME {$50000.00} PLUS 20 YEARS OF INTEREST AT 7.25 %!!!!!
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (MD)

I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MI)

Citi AAdvantage sent me a letter stating they " need more information to process your application '' for a Citi/AAdvantage Platinum XXXX XXXX XXXX account. They said " we are reviewing your application '' and then ask that I call them to verify my SSN. I did not apply for a Citi/AAdvantage credit card and believe they are making fraudulent statements, fishing for my business. I called to report that I did not apply and they asked for my personal information - name, SSN, birthdate - which I refused to provide. I gave them the application ID and they said they needed more personal information to help me.
Consumer complaint received 2016-05-22
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (PA)

1. Citi bank miscalculate interest charge. 
2. They did not call on any law regulation only to avoid audit. 
3. I did try several times to solve this problem in direct contact. They respond very clever, general answer without any exact proof or support. 
They apply deferral interest to the current balance and after that calculate minimum payment. 
With this method Citi bank on very clever way count interest on interest. 
Deferral interest has to be recorded and calculate separate not to be add to current balance until the end of deferral period and after that add to current balance.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I have had a Macy 's credit card account for a few years now. Upon moving from XXXX, my wife and I decided to open a joint account when buying some furniture in order to get a sign-up discount. 

Sometime in XXXX, Macy 's " upgraded '' their website, and the fact that I had multiple accounts linked to my name caused many issues with accessing my account. This included seeing my bill, in particular. In XXXX XXXX or XXXX XXXX, I bought some clothes on the individual account totaling XXXX or XXXX dollars. I was unable to log in and pay this amount off immediately ( what I normally do ) and ended up forgetting about it. It seems that Macy 's had an old address on file ( and either no email or they did n't try that method ), so I received no contact from them. 

I ended up learning that I owed this money when, in XXXX, XXXX XXXX notified me that my credit score had plummeted. That day, I investigated, and paid off the balance that I owed Macy 's. I believed that they were going to remove this information from my credit report ( in addition to marking the account as current ) since this was a one-time fluke in a long series of on-time payments. 

The other week, my wife and I went to apply for a mortgage and were denied because this information seems to still be showing up on my credit report. I have called Macy 's, but they refuse to work with me, claiming that the issue was resolved on the day that I paid off the balance and closed the account. 

To be clear, I accept that I was irresponsible by forgetting about this debt and allowing it to become delinquent. However, I certainly think that Macy 's could have made a more serious effort to contact me once I was in the grace period. In fact, the mortgage agent, remarked that, through the years, Macy 's has become known to him for causing so many similar problems on other mortgage applications. 

Ideally, the CFPB would be able to help me get this information removed from my credit report. I have considered hiring an attorney but am worried that my case will be very difficult to prove. ( For example, how can I prove that I never received any physical mail or that I could n't successfully log in? ) Thank you for your consideration.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.
Consumer complaint received 2016-06-04
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Trust Financial LLC (WY)

Rocky Mtn. recovery system has sued me for not responding to a workman 's comp related medical debt originating from XXXX XXXX XXXX due to XXXX examinations and follow ups. Plus, added an additional XXXX to the principal debt of XXXX. However, I 've been paying on the out pocket to a second debt referred by XXXX XXXX XXXX to XXXX for testing involving my workman 's case ( XXXX ). The XXXX debt 's principal is XXXX. I had talked to rocky Mtn. recovery once and told them I would pay the debt when I could, likely after I had got the other higher debt paid off. I believe this lawsuit is an attempt to secure unfair fees and additional values at will. In the judgement there 's additional leverage at a 10 % percent increase annually until paid with additional cost and attorney fees prejudged into. In addition, the judgement allows property, funds and wages by execution or garnishment. I am not sure this is even a real document? It is stamped with names and initalled but no signatures.
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX credit report.
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (WI)

I have a questions.Last year I received noticed about the {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices class action lawsuit that was filed again citibank. 

IN the letter I was told I was affected and that I did not have to do anything in order to receive compensation. 

SO far I have not received any compensation and was wondering if I need to actually file a complaint with a lawyer or not? 
I had owned there credit card protection service for many years and have paid thousands for the service. 

Can you please advise as to what I need to do.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (PA)

The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

Macy 's department store double billed us for a {$180.00} mattress pad and refused to drop the erroneous charge until after XXXX or XXXX billing cycles has passed. We pay our credit card account balances in full. By Macy 's refusal to remove the erroneous charge, we fear being charged interest for an item that we did not receive. Macy 's credit was extremely difficult to work with as it took XXXX phone conversation attempts to speak to a knowledgeable person to help resolve the issue. At XXXX point, we were forced to go to the store location where the erroneous charge was made and call Macy 's Credit while in the store. The Macy 's associates that we spoke to were unprofessional, extremely rude, and more concerned regarding caller authentication in lieu of the issue. We requested that a formal claim be opened to address our issue. After much push back from the Macy 's call center associates, we were provided with the following case / claim number : XXXX. We have no confidence that this matter will be resolved in a timely and correct manner. I look forward to your assistance in resolving this matter.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (KY)

Credit card was issued with incorrect name, Citi refuses to correct. I received the new credit card in the mail. The name shown on the card is XXXX XXXX. This is not correct. My legal name is XXXX XXXX. I called the number on the card XXXX on XXXX XXXX, 2016. The first time the company disconnected the call. The second call had the same result-the company disconnected the call. On the third call I was able to talk to a person. The customer service rep stated they absolutely will not correct the name on account even though the wrong name makes the account invalid. ( They do have all my personal information and the did issue a card that was delivered to me via US mail )
Consumer complaint received 2016-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (AZ)

Collector : JEFFERSON CAPITAL SYSTEM Creditor : XXXX XXXX Amount {$180.00} This amount is not correct and this debit is not owed no matter how many times I talk to the collections department or XXXX. 
I had a XXXX account and I was transferring my phone lines to my new husbands account. It was called an assumption or liability. The account had to be at a ZERO balance before the line could be transferred over there. They keep saying this is a past due but there was a Zero balance. XXXX ca n't even talk to me as they sent me to a collection account company and I tried to talk to them and I disputed it through them as well. 

I want this removed from ALL XXXX credit reporting companies!
Consumer complaint received 2016-08-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

XXXX. I sent my payment of XXXX to pay off my loan XXXX XXXX to Navient. 
XXXX. XXXX XXXX I contacted Navient. Navient stated it had no idea what happened to my check. 
XXXX. I got a copy of the statement from my bank, XXXX XXXX XXXX. Navient cashed that check XXXX XXXX and put it into a XXXX XXXX bank account. 
XXXX. I sent my private loan checks in the same envelope, certified. Those loans were posted to my account. The federal loan is lost.
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX in the year XXXX I started school at the University XXXX in XXXX. I took a very small load of classes at the time. I have to mention i am from XXXX, Texas XXXX. While I was attending at the Universtiy XXXX in XXXX. My Families home was hit by Hurricane XXXX so i told all my professors that i am going back to TEXAS. I also filled out the proper paperwork at the registar 's office to withdrawl from the University. So i was told everything was good and i had withdrew from the University the correct way. Anyways when i got to Texas and was helping my family with all the difficulties of the hurricane. I started getting puhone calls and letters from Navient i have repeated my story to them with no help ... This has been going on for a long time.. They keep re-appealing this case and the interest just keeps going up??? What can I do?? The President had declared my families Home a disaster area!!
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

In an attempt to mitigate any sort of credit issue, I called Navient Student loans ( with whom I have private and federal loans with ). I recently lost my job, and was attempting to put my loans into forbearance or deferment. Navient charges {$50.00} per loan for a 3 month Forbearance period. For the XXXX loans in my name, that was a total of {$150.00}. It is {$150.00} of which I dont have at the moment due to my loss of employment. Prior to this, I had always made my payments on time. If by some happenstance, I were to need more time, I would need to pay an additional {$150.00} to extend out the forbearance period for an additional 3 months. After hours of talking to different operators and managers, Navient 's official position is that they do not offer any non-payment options for their private student loans. As I am now unemployed, this will likely affect my credit rating, and snowballs into a larger debt problem that I may not be able to climb out of for several years at best. I wish to warn any who read this to STAY AWAY from PRIVATE student loans, and Navient especially, as they are extremely unfriendly towards their borrowers.