davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

My credit card refuses vehemently to refund my {$490.00} plus {$190.00} shipping for an electric bicycle I believed I was ordering thru XXXX. Apparently XXXX ( a " crowd sourcer '' " crowd funder '' ) is known for scams and fraud- but I did n't know this. I have kept all my " purchase '' receipts which use the words " Buy '' and shipping and itemize the charges. It is an ad to purchase an electric bike/ says nothing about funding a " start-up ''. Apparently there is no Ebike and no " campaign owner '' - the only " person '' I could find is called " XXXX XXXX '' ~ who has a # of XXXX XXXX aliases if he exists at all, and has created fictitious partners. I have only seen small pics of the notorious XXXX XXXX entity on some complaint chat boards where he wears motorcycle googles and a hat and could be anyone. my feeling is that XXXX is scamming with these fictitious people- they brag they " collected '' XXXX on the last Ebike `` campaign '' but I have not heard of anyone who has received a bike. What do they do with the $? As others have stated it appears to be a very clever Ponzi scheme. These crowd funding sites were apparently allowed under the XX/XX/XXXX or XX/XX/XXXX Fed Jobs Bill and not regulated in the least. They have also recently been given permission by the SEC to trade securities -/ with NO oversight! 
And they are apparently operating tax free! So the IRS, SEC, FINRA, AGs of CA and maybe other states should be shutting them down- apparently they slide btw categories as a " crowd funder '' " crowd sourcer '' but they are also clearly marketers and sales. It 's unbelievable to me that this co remains at all! As a consumer affairs writer I am amazed and awed at their level of fraud- which seems to be protected from very high places. My MasterCard ( citi ) categorically refused to to return my $ after XXXX stated they did n't have to give it back and I should expect to lose it. 
Remember, The only ad i saw was a product ad by XXXX selling the bike.I believe this co is fraudulent from top to bottom. Why are n't they shut down? This is clearly fraud. My credit card co said it was n't fraud since I gave my credit card// btw, XXXX only has a phone with a tape and no way to reach anyone. They only give " XXXX XXXX '' as " campaign '' contact name. And if u get to the bottom of the " Wave '' Ebike ( product ) and XXXX- the appear to be one and the same.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I have a Macy 's Store Card and all of a sudden in XXXX of 2015, unbeknownst and unapproved by me, they started charging me {$0.00}, {$0.00}, {$1.00} every month and then charging me minimum finance charge and late fees when I did n't see it getting paid. 

The information for the company billing me was XXXX XXXX
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

My name is XXXX XXXX my property address is XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. Servicing Lender is BSI Financial Services. My loan number is XXXX. I am writing because I was approved for a trial modification and was supposed to make three trial payments commencing in XXXX XXXX, XXXX my last payment being in XXXX 2015. I have now completed all my payments and have yet to receive the permanent modification. My representative assigned to my case is XXXX XXXX phone number XXXX ext XXXX however, I have left him numerous messages and he is never available and never returns my calls. I have called their attorney and they have advised me that they do not know why I have n't received the permanent modification. I have continued to make my monthly payments however, I am concerned as I am still in foreclosure and the bank does not complete my modification nor give me a valid reason why it is still pending.
Consumer complaint received 2016-03-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MD)

They are contacting our Client Services Department and reaching a representative stating they are calling from Navient in regards to my student loans and asking to speak with me. This is in violation of the FDCPA and could cost me my job.
Consumer complaint received 2016-05-16
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)

On XXXX XXXX, 2016 I submitted a {$180.00} payment ( via XXXX ) with my bank ( XXXX XXXX XXXX ). According to the bank, the transaction was successful. 

Navient has been merging with and/or consolidating my loans with XXXX XXXX XXXX. XXXX XXXX XXXX is taking over the account in full ( XXXX capacity ). I have been I have been making on time payments to XXXX XXXX through the Navient Account # ( XXXX ). In the recent past, I would be able to see these payments on the Navient website as successful. 

On XXXX XXXX, 2016 I received a mailing from XXXX XXXX XXXX. It is dated XXXX XXXX, 2016. It gives me my new loan number ( XXXX XXXX XXXX ). To reiterate, I 've already made a payment on XXXX XXXX, 2016 to the other account number ( XXXX ). I called XXXX XXXX XXXX on XXXX XXXX, 2016 at XXXX am in order to get that particular payment transaction successfully transferred and finalized, to no avail. The representative told me that it would take at least XXXX days before the transfer would take place. In the meantime, if the payment shows late then it is my fault and it will reflect on my credit regardless what the representative says.
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (NC)

I submitted a complaint in regards to NETSPEND prepaid card or XXXX which ever it goes by and I receive a message that stated for me to tell you what the issue is. I thought I was clear as to what the issue is. However, I will spell it out so it is not misunderstood. I have bee requesting a copy of my monthly statements for over 3 months. I was asked to fax information verifying my identity as I am a victim of fraud and identity theft. I provided this information to XXXX XXXX, the same person referenced in the first complaint. There was money missing from the cards that I expect them to pay me back and I want to see all of the transactions. XXXX state I had XXXX cards in my name. I NEVER had XXXX cards. The issue is I want all of my statements as it is within the 7 year statue and I want my money refunded to me. These are government funds as I am XXXX. I hope you can understand now what the issue is.
Consumer complaint received 2016-06-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I have been paying this loan minus certain forbearance and deferments for 11 years ( XXXX ). On multiple occasions I have asked them to remove my cosigner and make me a sole borrower to which they have refused. To unfortunate circumstances in XXXX I became very sick having to start the XXXX filings, by XXXX I had to file for bankruptcy. Even though both the bankruptcy and XXXX dissolved the loan Navient has refused to remove it from my credit report with the only exception being they transfer the loan to my cosigner, who has attempted to get removed for several years from the loan, even before any of these events. Both the cosigner and I never receive mail correspondence in regards to any activity of this account including the bankruptcy and XXXX and have contacted Navient many times. XXXX other student loans also agreed to my qualifying to XXXX including Navient, but Navient is the only one that is not truly closing the loan. My cosigner no I have yet to be informed that they are trying to again push the loan or the status of my XXXX application, I have found this information myself online.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015, XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-05-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (SC)

I applied for a credit card with CitiBank [ see XXXX ] I did not receive a card. I did n't worry about it, I do n't really need it, I just wanted the XXXX " bonus miles '' they lured me in with. 
Now, I am applying for a Loan, but XXXX XXXX XXXX wo n't give me a loan as there is a HARD INQUIRY on my credit, from " CBNA '' ( which is Citibank ) on XXXX/XXXX/16. I have called Citibank 4 times already and spoken to XXXX people, but they have no evidence of my application ( neither do I, I mailed the form to them ) and they say they can not remove this Hard Inquiry from my credit. This means I can not get a loan. I 've been working on this for 4 weeks now, and getting nowhere with anyone, including XXXX. 
Please help!
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MA)

I was laid off from my teaching position in XX/XX/XXXX and due to lack of income missed three mortgage payments. We contacted Citmortgage, submitted all required paperwork for a Loan Modification through Citimortgage/HAMP and awaited their decision. During the next two years the Homeowner Support Specialists assigned to our account changed eight times. Each time, we submitted the paperwork in its entirety again. Each time we waited for a response but all we received were notices that our HSS had changed again and we needed to re-submit the paperwork for the modification. XX/XX/XXXX we received notice from Citimortgage attorneys that our home that we have lived in and paid for was to be auctioned in XX/XX/XXXX. We contacted the Citimortgage HSS that was currently assigned to our account and again submitted all paperwork for the loan modification. After approximately 30 days we were informed by Citimortgage that they were just the " servicer '' of our loan and that the note was held by a bank in Indiana. They said the bank from Indiana does not participate in the HAMP program so we would get no modification. At this point we decided to sell our home. The home is currently under contract for sale and we requested the payoff amount from the attorney representing Citimortgage. After we received the paperwork from the attorney we were shocked to see the interest and lawyer fees attached to our account. The amount takes away any chance of us to successfully move to another home. 
If Citimortgage knew all along this two year process that our loan did not qualify for a modification, why were we not told in a timely manner so that we could have avoided interest and lawyer fees for the past two years. This added up to XXXX which now makes the sale of our home through the real estate process impossible. It is our claim that Citimortgage did willfully and with malice, withhold information about the loan modification decision to drive up interest and fees to collect. Had we been made aware of the decision that our loan was not eligible for a modification, we would have sold our home two years ago, paid off the loan in its entirety, and walked away with some equity in the home that we have occupied, updated and paid for, during the last 28 years. Now Citimortgage wants to charge XXXX to us when it was in fact, the fault of Citimortgage that these interest and fees continued to climb. 
It would be in the best interest of all parties involved that Citimortgage would not collect this XXXX in fees and interest and that we could sell our home and move on with our lives. We believe Citimortgage delays the modification process on purpose through the many changes of Homeowner Support Specialists, does n't inform its borrowers of the decision in a timely manner, runs up fees and penalties and then ruins people 's lives in that process.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (DC)

I recently was asked by my accountant about XXXX charges from the same company that seemed strange to her. When I saw them I knew that I had never made the charges. Both were from a company called XXXX XXXX XXXX charge was for {$690.00} on XX/XX/2011 the other for {$1900.00} on XX/XX/2011 Due to an extended time out of the country I did not notice the charges until brought to my attention by my accountant. When I reported the unrecognized charges to Citibank they said they would credit my account immediately and issue me knew credit cards because the charges may be fraudulent. I received a new card in a matter of days but have not seen the promised credits. I called Citibank last week and now am being told that they have no record of my original call and disposition of the fraudulent charges. I feel Citibank is lying to me in order not to have to issue my refund. I have never done any type of business with XXXX XXXX and reported that fact to Citibank.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

In XX/XX/<YYYY>, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I opened the account and confirmed over the phone that I was eligible for the bonus. After that, I checked in on XXXX/XXXX/16 and to make sure the promotional code was indeed associated with my account. I was told that it was and that I had fulfilled the requirements and thus, I would get the bonus. ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ' attachments. ) During that conversation I was told that the XXXX bonus miles would post to my account no later than XXXX/XXXX/2016. They did not. I then contacted Citi again on XX/XX/XXXX and the agent verified that I should 've received the miles on XX/XX/XXXX, but I did not ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). He opened an investigation and told me I would receive an answer in 1-2 business days. I did not. I contacted chat again on XX/XX/XXXX and was told I 'd receive an answer by XXXX ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). I did not. By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (GA)

Late last fall and into spring of this year, I was ill and was not able to work as much as I usually do thus fell behind on payments on this credit card. Additionally, when my husband went out of state for a job, he suffered very XXXX and was unable to return home for 3 months until released by the doctor there. I paid what I could each month in an effort to show the company we are serious about bringing our account up to date, and since early 2016, I have repeatedly called this company explaining our situation, even offering to send proof of our medical issues. Each time I have called, the customer service representatives demand large sums of money to be paid over the phone, do n't listen, refuse to transfer me to a supervisor despite multiple requests, tell me this company/bank has no plan for assisting a customer in catching up due to medical emergencies, that they will not temporarily suspend late fees, interest and now over-the-limit fees as due to their late fees we are over our credit limit. When I asked a customer service representative to close my account, I was told I could not close the account but that even if I could, the monthly charges for late fees ( charged when a payment is not made in full ), over-the-limit fees, and interest would continued to be added to our account on a monthly basis. The balance on our account grew each month by approximately {$120.00} in company charges. I would also note, I was told I could not close the account ; however, not long after my last request to close the account, we received a letter from the company stating they had closed the account. The current minimum payment due is over {$500.00}. Our total balance has increased to more than {$400.00} over the credit limit/around {$550.00} above the balance when we experience the loss of income due to health problems. We will never be able to pay off this card as it stands now because this company claims not to have any program in place for assisting customers in bringing their accounts current after major medical emergencies. This company has been made aware several times that we can not pay the high minimum payments yet they continue to add fees to our account. This is usury and a financial trap from which no one, apparently escapes ... ever. Of course, each time I 've called, I 've been " threatened '' that if I do n't bring the account current right then by making a large payment over the phone, our credit will be affected, which it has been as this company has reported the account delinquent yet did not bother to note the cause ... emergency medical issues.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (SC)

I opened a Belk Department store credit card in the summer of 2014. When I got my XXXX statement, I immediately went to the Belk credit card website to set up an automatic debit of the full payment on the date it was due. My subsequent monthly statement was successfully debited on XXXX/XXXX/2014. Shortly thereafter I could not find my credit card and requested a replacement. 
My next purchase with the Belk credit card was an on-line purchase for {$83.00} on XXXX/XXXX/2014. I received no Belk statements during the next two weeks and left the country and did not return until mid-December. As had been set-up for automatic debits with Belk credit for the full payment, and as my other credit cards had always transferred draft authorizations to replacement cards cards, I was not concerned about the payment. 
I returned from my trip to find several Belk credit letters waiting. I called immediately and Belk, unlike most other credit cards, does not transfer debit authorizations to replacement cards. Nor do I recall that the replacement card packet provide any warning to update bank debit authorization for payments. I called Belk credit on XXXX/XXXX/14 and made a {$100.00} payment by phone. I cancelled the Belk card shortly thereafter. 
I forgot about the Belk incident until I received my credit report from XXXX. Since I always set up automatic drafts, every XXXX of the other credit cards show full balances paid on time. My XXXX XXXX XXXX card goes back XXXX years. My XXXX card sent me a notice that my Penalty Annual Percentage rate will be increased to 29.24 %, and the Penalty will be in effect for 12 months. As I pay the balance in full, this will not have a material effect on my finances. However, the impact on my credit reputation is immeasurable. My years of consistent monthly credit payments have been negated. Belk Department stores has trashed my reputation ... for an {$83.00} purchase. 
On the other hand, I discovered a fraudulent transaction for {$200.00} on XXXX/XXXX/2014 on my XXXX credit card. XXXX sent me a card with a new number and transferred the monthly draft to the new card automatically. XXXX did not think to ask me and I also did not give it a XXXX thought.
Consumer complaint received 2016-07-10
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (AZ)

Sam 's Club MC/SYNCB charges late fees plus interest for payments submitted on or prior to due date. I have had {$97.00}. in late fees and {$16.00} interest added to my balance ( which is paid in full except for the {$110.00} ). Have written with no response.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (CT)

Synchrony Bank has been lowering the limits on all of my accounts that I have with them without notifying me. I find out about it when I view and pay my bills online. They hurt my credit by lowering my limits. My score drops and then they use the lowered score to drop my limits again. It 's a never ending cycle. It 's an unfair practice and illegal for them not to first notify me that they are lowering my limits. They say they have sent me notices but to this day XXXX/XXXX/2016 I have not received a single one.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MO)

synchrony bank froze all of my accounts that I had with them and shut off access to the accounts causing late fees. When all was said and done they closed 12 accounts that I had been using and paying on without ever being late once. They say they sent a letter that I did receive stating I needed to sign a tax release form which I did and sent back. They then closed my accounts because they could not verify my identity or finances. I am a XXXX veteran and do not pay taxes as it is not required for me to do so. I sent them a statement from the VA stating how much I get paid a month and at rate of XXXX but this is n't good enough coming from the VA I guess. How can they close my accounts that I use for everything for the month then pay then back down and use again. Now they are charging fees and raising the payments causing my credit report to suffer. I have dropped over 80 points on my credit report since they closed my accounts and think they should have to pay for their stupidity.