davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (WA)

In XXXX 2015 my daughter and I took at trip to XXXX. It was all prepaid through XXXX. The 2nd day we were there, we were told in order to make room charges we would have to have a credit card on file. So we did that. At the end of our stay we had {$26.00} in room charges. I signed the charge slip, then signed a credit slip to refund the {$6500.00} pesos hold The XXXX XXXX placed on my card. All seemed to go smoothly. 

When I received my credit card statement, not only did the hotel charge me the {$26.00} but also charged not credited me the {$6500.00} pesos ( {$440.00} US dollars ). I called my credit card company right away, told them the circumstances. We filled a dispute right away. On XXXX XXXX, 2015 Barclay Bank issued me a credit of {$440.00}. At this point I believed everything was all good. On XXXX XXXX, 2015 Barclay recharged me the {$440.00}. 
Again I called and filled a dispute, since the bank claimed my dispute was resolved. This continued for months, the bank claiming I signed the slip so I acknowledged the charged. 
I explained I signed a credit slip and there was no exchanged of goods the {$440.00} is a fraudulent charge. 
After months and hundreds of phone hours with Barclay Bank I filled a complaint with Washington State Attorney Generals Office. Since Barclay did not reply in a timely fashion nothing ever happened. 
I started contacting the XXXX XXXX myself. After being transferred around a bit and about a week I was told my money was credited back to my credit card. Again calling Barclay bank I was told no the money was never credited. Now I have emails from the hotel admitting a credit was due to me, again Barclay bank would not help me with this matter tell me my money was in XXXX and to bad for me. 
I the wrote a letter to the President at Barclay back with no reply. 
Then out of the blue, XXXX XXXX called me from the office of the President at Barclay Bank because of the complaint I filed with the Washington State Attorney General. After months dealing with her and all was in agreement I was owed the {$440.00} it was still never credit to me. I received a letter from XXXX XXXX closing my case. 
So I started calling XXXX, talked to XXXX there for another few months he told me they were escalating my case. I just recently found out XXXX is an intern and is doing nothing. 
Someone at the Attorney General 's Office gave me the information to this website, so here I am filling a complaint with you. 
This is just the cleft notes version, because I have spent hundreds of hours trying to get my money back. You are my last hope.
Consumer complaint received 2015-05-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (PA)

I have credit cards on my credit report as far as 1994 still showing which is derogatory to my credit ... I have a mailed report that XXXX was taken off, and its showing on my credit, I have XXXX fashion bug cards showing on m report that have n't been used, no money owed from yrs back, I do not understand this at all ... I also have XXXX XXXX, XXXX, and XXXX, now these are old accts that are ruining my credit..I want them taken off, they have n't been usd in yrs, and I do n't even have a XXXX XXXX acct, and was supposed to come off, still shows I paid a collection, Now my daughter had the same thing, her collection is totally off, I paid XXXX XXXX for XXXX XXXX XXXX XXXX I was told XXXX XXXX XXXX that it would go away.At this time I am trying to do what I can as my husband XXXX left me XXXX closed our bank acct. took his check and left me, new house, car, whatever, and I am struggling for my credit ... I need some kind of credit, and I know it takes time to repair, I am doing the best I can, now these cards I am talking about, I have n't used in yrs..Please take them off my credit! 
Thanking you in advance XXXX XXXX XXXX ... XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2016-05-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Simon's Agency, Inc. (OH)

They are calling every day always from a different number for XXXX XXXX XXXX AND XXXX. They never leave a message as to what it pertains to and I have sent proof of a divorce and proof that I had medicaid via an XXXX dispute but all they say is we 've verified it belongs to you. I was married at the time of these occurrences to XXXX XXXX XXXX, we divorced she goes by the name of XXXX now XX/XX/XXXX. I am now married to XXXX XXXX XXXX. They never do much more than to keep sending back that it belongs to me. Every debt I disputed on XX/XX/XXXX has been removed because of this divorce. Previously in a complaint, Simon 's responded saying medicaid could not verify because the dates of service were more than 4 years out. NYS medicaid listed my college insurance as being my primary at the time, they paid out the maximum for XX/XX/XXXX, and I was not enrolled in XX/XX/XXXX. I was however covered by medicaid. The coordination of benefits is something I am not responsible for, CALL MEDICAID THE DATE OF SERVICE WAS XX/XX/XXXX it is not more than 4 years old.
Consumer complaint received 2016-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (MA)

I attended college in the XXXX in XXXX and XXXX XXXX XXXX in XXXX. I took out loans becuase I was an older student and did not have a college savings. I am STILL paying this loan, I was unemployed for a long period of time and then only worked part time for 5 years after my son was born. My current loan servicer, ACS, suggested I defer the loan at this time. It was not made clear to me at that time that the interest would still accrue and exactly how much additional was added to the total cost of my loan. Currently my loan balance is {$21000.00} and the anticipated time for payoff is 14 years from now. I will be XXXX years old when this loan is fully paid. I have never been able to secure a full-time position in the field XXXX, which is my XXXX XXXX XXXX chosen field. ACS has mislead me and they are absolutely horrid to try to work with. I have tried applying for a XXXX as I currently work XXXX. ACS informed me that the current XXXX loan I have ( also under their recommendation ) is not eligible XXXX XXXX XXXX XXXX. When I applied to change to a different loan that would qualify, they denied me. 
ACS acquired my loan in XXXX and I was informed by The XXXX office that my previous servicer was XXXX and I can not seem to locate a payment history prior to XXXX to confirm the validity of the current loan balance. Something does not add up, and I feel like I have been scammed in the worst way possible. I would very much like to apply for a XXXX XXXX XXXX XXXX program as well as change the servicer that I need to deal with. More importantly, what becomes of the last 16 years that I have paying on a {$21000.00} balance that seems to have remained the same? Even large corporate banks will " settle '' for lessor amounts due to changes in financial situations, but this is n't an option for a student loan? I understand that the loan has has previous unemployment deferments and forbearance, however the numbers still do not seem to add up. I would like to pursue legal action agains ACS for their deceptive practices and failure to provide a service. Potentially I would also pursue state mandates to protect college graduates from falling into this trap, perhaps colleges should be held accountable for the degrees they offer, perhaps offer a different degree or classes at no charge if you are not able to secure employment. No one should be paying for a student loan when they are nearing XXXX age. More needs to be done to protect people from deceptive businesses like ACS. Can you please help? 
Thank you
Consumer complaint received 2016-11-22
Product: Payday loan — 
Issue: Can't contact lender — 
Company: BlueChip Financial (TN)

The lender, or the lender 's collection, keeps calling my sister 's phone number, despite my request for them to stop. My sister has noting at all to do with the loan. She was never listed on any of the documents or anything else to do with the loan.
Consumer complaint received 2016-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (OK)

I 've been paying on my student loan for years and can not get it down. XX/XX/XXXX I paid the interest in full with my tax refund which brought the loan amount back down to it 's original amount of {$13000.00}. I 've been trying to pay the minimum payment plus interest but every month so far it 's gotten out of hand and I ca n't make the extra payment which means I will never get this paid. Is there anything at all I can do to get them to stop adding on so much interest EVERY MONTH? I can not find another company willing to consolidate this private loan. This was a XXXX school located at XXXX XXXX in XXXX XXXX, which may no longer be around.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold account XX/XX/2016 with a promotional offer of XXXX XXXX XXXX miles if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX miles in XXXX 2016. XX/XX/2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made two additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged $ XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

THIS IS A COMPLAINT AGAINST CREDIT CARDS OF THE CITI BANK. I AM A CITI GOLD CLIENT, I HAD WITH ALL THE PRODUCTS IN WHICH THE CREDIT IS THERE, CITI PRESTIGE, CITI THANK YOU, CITI COSTCO, CITI HOMEDEPOT AND CITI BEST BUY. My MI was stolen. They opened my wallet at an XXXX mall in XXXX, and they took my purse, credit cards and other belongings. I MAKE THE REPORT TO THE POLICE AND AFTER CALLING THE BANK, BECAUSE THE THIEVES TAKE CONTROLS PAYED MY CREDIT ACCOUNTS AND THEY DELIVERED THE MONEY AND LEFT ME WITH AN IMPAGABLE DEBT, BUT YOU KNOW THAT THE REACTION OF THE BANK IS CLOSING ME THE ALL ACCOUNTS, WHEN THE ONLY THOSE WHO HAVE BEEN AFFECTED WERE THE PRESTIGE OF CITI. CITI THANKS AND CITI COSTCO, BUT THEY ARBITRARYLY CLOSED ME ALL THE ACCOUNTS, WHEN THERE IS A POLICY THAT IF THEY ARE NOT CUPABLE OF THE ROBOT, THAT THE BANK IS RESPONSIBLE FOR THE CASE AND DELIVER ALL MONEY TO THE CARD, OBJECT OF XXXX BY THE EXECUTIVES OF CITI BANK, NEVER SENT ANOTHER PLASTIC AND HAVE CLOSED ALL THE CREDIT CARDS WITH HIM, AND HAVE BEEN SO LIEF THAT THEY SAID I HAVE SENT THEIR PLASTIC, HAVE NEVER COME AND LEAVE ME WITH THE DEBT, THE WORST THAN THESE BEARS BEFORE The robot was a customer who paid everything I have consumed and never left with payments and paid the TOTAL DEBIT, AND FOR A STOLE THAT WAS NOT MY FAULT, I WAS CLOSED BY THE ACCOUNTS AND ARE SO ABSOLUTE TO TELL ME YOU CAN APPLY AGAIN. IF AS IF THEM AFTER THE HISTORY THAT HAVE I GAVE ANOTHER CREDIT, THE XXXX OF ALL THIS IS THAT THE MONOPOLY OF THIS COUNTRY IS MANAGED BY CITI BANK, NOW SAY WHO IS GIVING ME ANOTHER CREDIT CARD? I HAVE A CREDIT FOR ABOVE XXXX POINTS AND HOW THEY HAVE THE XXXX NOW I CAN NEVER BE ABLE TO HAVE A CREDIT CARD
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

Macys credit card, XXXX. Fraud alert, approximately $ XXXX used at XXXX in XXXX. I reported it as fraud and they stated they would deal with it. Following the initial phone call I 've attempted to reach out and pay my bill and to no avail. I was locked out of my account which STILL states I owe XXXX, I can not access any remaining information on my card ... such as transactions. I attempted to message them and ask if they could unlock it, or tell me the transactions. They proceeded to tell me how to activate a new card ... I 've tried to reach out on the phone only for someone to muffle into the phone -- 60+ minutes -- and try to tell me to pay the XXXX on my new card and leave the old account.. NO IM NOT LEAVING THE OLD ACCOUNT, WHICH IS CONNECTED TO MY INFORMATION. It 's been a month of me trying to get the XXXX off my bill, which is showing up in correlation to my credit score. I 've canceled the card today and have request a paper stating both account are " XXXX and closed '' but I am unsure if it will dissapear. because as of now my online account still shows a balance.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

On my BEST BUY statement I notice there were fees regarding a Debt protection program which I never authorized for. I have been a Best buy credit card member since 2009 and the fees over the time are between $ XXXX-XXXX. Some of the fee charged are not even documented on my statement.They have charged me over {$2400.00} in these fees. The problem is if they did not charge me these fees I would of been able to pay off my credit card in time before the promotion was over. Now I got charged by BEST BUY over {$3000.00} in interest fees. Which this made me go over my credit limit also caused an bad impact on my credit score.I have contacted Debt Protection and they stated they will send me documentation and investigate the issue also refund my money buy it will take 30 days. Then I called BEST BUY ( worst customer service ) they stated they do not have any documentation in regard to these fees and the company was a third party. I told them the only thing I signed up for was a BEST BUY CREDIT CARD an now there are fees from this program on my BEST BUY statement and so they have to be a part of it and have some documentation. Best Buy ( XXXX ) said no. I told him I did not go out of my way to get this program and have more fees added to my monthly payment its RIDICULOUS. These fraudulently added by one of their employees. The only thing I signed up for was a BEST BUY CREDIT CARD. There was no mention of another program there is no way I would want to add more charges to my account. DO NOT GET A BEST BUY CREDIT CARD!!!!
Consumer complaint received 2015-06-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MO)

We are in a hardship and received a letter regarding bringing our account current by XXXX XXXX, 2015 to avoid foreclosure proceedings. When I called on XXXX XXXX, 2015 XXXX to make the payment to bring the account completely current per Citi 's letter, I first spoke with XXXX. He transferred me to XXXX and at approximately XXXX, I was told " it did n't matter '' and that " I was in " their '' department now. '' I could make payments, but it would n't mean anything. XXXX was extremely rude and condescending. I asked to talk to a manager and she said " MANAGERS DO N'T TAKE CALLS ''. She kept condescendingly saying we had n't made any payments. We have. I told her this and she said " well it was n't enough and you 're in our department now. '' When I asked why they were not honoring what they had sent IN WRITING to resolve the delinquency she said " their department '' did n't write it, she did n't know who did, THAT LETTER MEANS NOTHING and just kept repeating herself.
Consumer complaint received 2015-08-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I signed up for a Citigold checking account in XXXX 2015 during a XXXX XXXX miles promotion and completed the requirements of the promotion within 60 days. Briefly, to earn these miles, I had to do one bill pay in two consecutive months and make {$1000.00} in purchases with my Citi debit card within 60 days of opening the checking account. Despite a representative confirming that a ) the signup bonus had been applied to my account and b ) that I would receive my bonus within 90 days of completing the requirements ( i.e., by XX/XX/XXXX at the very latest ), I have not received the miles. Meanwhile, my Citigold account has a $ XXXX/month fee that is not waivable.
Consumer complaint received 2015-11-19
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A. (IL)

Hi, I remitted money through ach to my XXXX account. They give ref # XXXX and credit my account. So I transfer money from my account to other bank. After few days they called me your account balance in negative and send same amount again. I called them, they said your check has been bounce and they make reverse entry and more than XXXX as a penalties. I called so many times but they could not give solid answer.one said talk to your local bank.I went to my banker he said funds are sufficient and nobody demand for money.I again call today I said give me penalties amount back I will remitt money again.He said our supervisor will call you soon but nobody called me so far.I remitted money again.they gave me hard time.So I want penalties amount XXXX back that was not my fault.
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

I submitted a complaint yesterday about this problem. Complaint No. XXXX. This morning, a Sunday, at XXXX I received another threatening call from Macy 's to pay my bill ( which was never received ) or else ; I explained the situation again and was told they mailed a bill to me on XXXX, XXXX ; how could I possibly receive it in XXXX day since there is no mail received on Sunday. I have been getting these calls on a daily basis at all hours of the day and night, but it seems to me that since I told them originally last week that I never got a bill, they should have mailed me a bill at that time instead of harassing me with daily phone calls when their records show the bill was just mailed two days ago and no mail is received on a Sunday.
Consumer complaint received 2016-09-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.
Consumer complaint received 2016-04-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (OH)

We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our XXXX mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a XXXX and XXXX lien and ca n't refinance anything!
Consumer complaint received 2017-02-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (KS)

Citi finacial..they call playing on the phone..they will say can you hear me now about XXXX or more times and laughand hang up.or they will hold the phone and when I try to talk they hang up laughing. Sunday are the worse days. I was called XXXX times in XXXX day last week.this is not a game to me. I recently had XXXX and trying to recover.