davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (MD)

We received a correspondence dated XXXX XXXX, 2015 from a XXXX XXXX, stating that she did a thorough review of the alleged " account ''. and it did not show any Loss Mitigation Activity. We immediately responded with a request asking what protocol CitiMortage use to determine Loss Mitigation? Was is in reference to the XXXX XXXX attested documents, or the trust filed with the sec.gov. ( already been satisfied ) Citi is well aware this is being disputed under the FDCPA. They have not answered our questions regarding their determination for Loss Mitigation? 
We will be pursuing remedy in a Court of Law for violations of the FDCPA and Maryland Consumer Protection Act, and criminal conduct. However, Citi should still have to answer our question regarding XXXX XXXX attested documents, or the Trust? 
CitiMortgage legal Counsel, who is also aware this is being disputed, again sent another letter stating that Foreclosure Proceedings were going to start. Even though this is alleged debt is being disputed under the FDCPA. The cat and mouse game is getting really old. 
The psa can be found at www.sec.gov, cik # XXXX, XXXX Series.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AL)

Initially all of my consolidated loans totaled to be approx. XXXX. However, since my loans have been with Navient and the loans have been in deferment and forbearance, my total has increased to over XXXX with the interest. I am now repaying loan on the Income based repayment plan, but I am not able to see how this is decreasing my principle amount.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

Home Depot offers 0 % interprets rate payments for 24 months for new credit card members who make purchase of more than {$1900.00} in the store. The sale person who helped me opened home depot credit card as well as assisted me with purchase transaction said I was qualified for the promotion and he said it was a great deal. 

I applied for the home depot credit card on that same day which is XXXX XXXX, XXXX and made a XXXX purchase transaction at the store for about {$4000.00}. 

Today, XXXX XXXX, XXXX, I checked my home depot account online and discovered that the 0 % interest promotion under my account is actually 6 months ; not 24 months. I chatted with a representative online who told me that the promotion has ended in XXXX XXXX, XXXX when a 24 months promotion will actually ends next month ( XXXX XXXX ). He also stated that the interested has been charged to my account since XXXX XXXX, XXXX. 

I have only made XXXX purchase transaction on my home depot credit card and this is already my second dispute with Home Depot 's sales tactics with its credit card promotions and offers. Home depot 's practice have been, somewhat, misleading to consumers. I think regulators should seriously look into this issue. The number of complaints of home depot credit card practice to regulators - and that is probably why regulators are not taking a look at home depot 's practice - may be low, but the issue or problem here is legitimate and poses immediate risk to consumers. Home depot should also take my case as a learning experience for them because the way currently home depot does business, specifically in its credit card offering, will hurt their business in a long run. 

Note : my previous compliant to home depot in this transaction also related to their sale 's tactics and it 's new credit car offer program. Home depot said they guarantee their lowest price against other competitors, but they failed to honor their price when best buy actually offers lower price because i have already got some discount on the washer and dryer that I purchased from home depot. As a result, I bought washer and dryer at a higher price when comparing to best buy. I should have gone to best buy instead.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

Booked several domestic flights for my trip to XXXX using my credit card rewards program, Citibank ThankYou Premier, using their own website that is advertised when accessing the Account. I was assured I 'll get protection from all parties : the agency providing the travel, the Rewards program and the credit card ( as it offer some travel benefits ). 
During the trip, I had an issue with XXXX flight, that was cancelled. 
I tried, for several times, to contact all of the above mentioned providers, using the phone numbers they provided. All numbers were blocked for collect call, contrary to what they advertised. I tried to place collect call through at least XXXX providers : XXXX, XXXX and a local phone operator. All of them informed all numbers were blocked, and I was unable to contact any of them. There was not option to contact them online. The Travel Operator did not reply my twitter message asking for help. 
The numbers provided and called are : Travel partner ( from their confirmation email ) : Outside the U.S., please call collect at XXXX Citibank ( printed in the credit card itself ) : INTL COLLECT : XXXX. 
I spent one hour trying to contact them, got very frustrated with this situation, and was already stressed by the flight cancellation. I returned to the airline counter and was informed I have to deal directly with the travel agency ( credit card/rewards ) since I booked from them. 
I was left without any assistance. 
I have to say I 'm lucky it did n't include a health issue. The credit card claims they provide this and other benefits. I 'm happy I did n't have to rely on them for anything else. 
Anyway, I absolutely regret using Citibank services, and next time I know I have to use my XXXX XXXX XXXX card for all travel related purchases. Citibank is an enormous failure. This is not the first time Citibank disappoints me. When I opened the account, I also had an issue having the card delivered and Citibank did nothing to remedy the situation. 
I need to be partially refunded for this lack of assistance and for the frustration and additional stress it caused. If I 'm not compensated to my satisfaction, I 'll obtain a extract of the call attempts and take it further.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MA)

I had misplaced/lost my citi credit card and promptly reported this ( online to block the account ) and called the customer service on XXXX XXXX, 2015. I was informed that I would be receiving a new card in XXXX days. In addition, was given some bull about the card, which I know for a fact to be untrue. On pressing for additional details, the agent clammed up. 
I called back on XXXX XXXX to inquire about the status. The rep ordered an additional card ( which I did not ask for, all I wanted to know was the status ). 
Been 14 days since the XXXX report ( call ) and 7 days since the XXXX and no card yet. Called again today, XXXX XXXX and was asked by the rep if I would like to close my account. 
Been a citibank customer for over 7 years and this is the XXXX time that I 've faced such an issue with the card not being sent out and jerked around by the call center reps. 
It 's getting increasingly difficult to deal with call center employees who do not understand/care, do not give a straightforward answer and cause additional hassle, after getting through the IVR and waiting on queue to speak to a human being with the expectation that the problem will be solved.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MI)

I have had a {$2.00} outstanding balance on my Macy 's credit card for 2 months, which has been paid online twice. I '' ve never had a late payment and I certainly do n't want one over a {$2.00} balance. I have tried to call and email regarding the balance but I can not get a live person at XXXX or XXXX ( which says they are available 24/7 but I hung up after listening to 10 minutes of advertisements ). I then attempted to " close '' my account but again had to hang up after waiting on hold for 30 minutes. I also tried the " contact us '' option on their website and it just took me back to " make a payment '. So, I have XXXX issues, a payment that was made twice online and did n't register and the fact that their phone systems and website just take you in circles and you can not a live person.
Consumer complaint received 2015-07-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I have just noticed an inquiry on my credit report with XXXX from Macys placed on XXXX XXXX. This inquiry was never done by me nor have i authorized it. I have not applied for credit in over 4 years so this was certainly not authorized by me. Please investigate this and remove it as i do not even have cards with this company.
Consumer complaint received 2016-10-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OH)

Citi enrolled me in an optional 'Credit Protection ' program without my consent. I called the phone number to cancel it at XXXX and was placed on hold for 40 minutes from XXXX to XXXX on XX/XX/XXXX. I had to log into their alternate website XXXX to cancel. 
I did not enroll in this service and had I not opened up what otherwise looked like another piece of junk mail they would have applied a surcharge of {$9.00} for every {$1000.00} carried as a balance on my monthly billing statement. Guess they learned this trick from XXXX XXXX!
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.
Consumer complaint received 2015-04-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (IN)

None of the above described my issue. I am filing a complaint on a company, XXXX, for a debt I owe from XX/XX/2011 I was evicted, therefore causing me problems in getting a place to live. I want to pay the debt and have this removed from my credit so I can finally get a home/apartment. I already filed a complaint with the Attorney General and my issue was not resolved. The company will not send me a letter via mail regarding settlement amount etc, also they had stated in the letter via email, which I am not sure is even legal, I had to pay the same day by XXXX XXXX via credit card only. I would like to pay my settlement amount via Cashier 's Check or Certified Money Order. This option was not given to me, nor were they able to meet my request for a letter stating specific terms. Every other company I have paid recent debts to has sent me every letter I have requested and has been very kind. Below you will see what I am asking for.
Consumer complaint received 2016-08-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened an Citigold account at a Citibank branch with a promotion code XXXX for XXXX AA miles. Not only they sent my debit card and check to the wrong address for three times which caused I could n't use my debit card for XXXX month, but they also denied the XXXX AA miles after I have done the requirement. In addition, they are happy to charge me the monthly fee but not giving me the miles I should get. It is totally unacceptable.
Consumer complaint received 2016-11-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MN)

I have a Veterans Administration mortgage with Citi mortgage with an principal and interest amount of {$2400.00} and an escrow amount of {$1000.00} totaling {$3400.00}. 
XX/XX/XXXX we received statement that our payment would be increasing to {$3600.00}. This increase is driven by a new escrow amount of {$110000.00}. This amount seemed odd as our insurance had decreased year over year and our taxes were set to decrease for 2017 as well. At the very least we knew everything would stay the same and that escrow would not need to increase, especially in excess o {$1500.00} per year. 
We continued to make our payment of {$340000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We had reached out to Citi to get an analysis of the escrow to figure out why it increased. Additionally, in XX/XX/XXXX and XX/XX/XXXX despite having made our payment we were hit with a late fee of {$96.00}. XX/XX/XXXX we finally received an escrow analysis statement and it was factually inaccurate. Additionally, we explained the situation and requested that our late fees be waived since we continued to make payments on time. In looking at our statements the principal and interest we had paid on monthly basis were not applied appropriately to continue the proper amortization despite the fact that principal and interest was fully paid. When we asked specifically about credit bureau reporting we were told that there would not be any since P & I was paid. This turned out to be false information as on XX/XX/XXXX I received notice through my credit bureau monitoring that Citi indeed reported a 30 day late notice. 
I called Citi to file a complaint and they indicated that they were right to file the report despite the fact that we had requested documentation, had been in contact several time and most importantly made timely payments as we had for the last 2.5 years. Upon further discussion it was found that the escrow amount that they are charging was indeed inaccurate and required for sure XXXX adjustment and potentially another once the tax records are reviewed. Essentially meaning that even the XXXX payment may have led to an overage instead of a shortage, basically that by paying XXXX I was not submitting an incomplete payment but an over payment
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MN)

I am a victim of identity theft and have a fraudulent account and inquiries listed on my Equifax credit report. The following account and inquiries are unauthorized and fraudulent : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX, XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (AZ)

Citi Costco card. I never wanted the card and never used the card. I cancelled the card in writing on XX/XX/XXXX. I have a copy of the written cancellation mailed to Citi. Today ( XX/XX/XXXX ) I received a bill on the card for {$59.00} that I never authorized. I spent I do n't know how much time. Now the representative is giving me leading and misleading questions, trying to get me to agree to say things that are not true. For example, I have to say that I have the credit card when I do n't, I never authorized the card, I do n't want the card and I cancelled the card ( without ever using it ) in XXXX of last year.
Consumer complaint received 2016-03-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (GA)

I have a XXXX XXXX Aviator MasterCard issued through Barclays Bank. On XXXX XXXX I made a cash transaction for XXXX at a local branch of the bank I do my personal banking with. 
While conducting the transaction I discovered that I did not have the available cash that I believed I would have. Later that afternoon I was informed of XXXX convenience checks that were cashed and charged to my account. After, informing Barclays that the checks were fraudulent, they immediately cancelled my card, issued a new card and account number, as well as credited the fraudulent check funds back to my account. 
This is where the problems begin. That same XXXX transaction, plus fees, has posted to my account almost dailey, to the point where the overcharge has reached XXXX. 
I have contacted Barclays at the very least 20 separate times looking for resolution. 
They say " every time they try to enter a correction into the system, it reverses itself and instead shows as a charge to the card ''. They say they are aware of the problem, they are working on it, but until they work out a solution, my only recourse is to wait. Also, they inform me that I am not the only one affected by this issue. 
However, they continue to send me over limit emails and my payment due is based on a figure that is XXXX above what I believe my balance to be. 
On Sunday morning XXXX XXXX I called to ask about the payment and the incorrect figure they told me there is nothing that can be done and for me to just make the payment. I also, asked if they could tell me what my true balance was and was told that they could not. This problem has been going on for six weeks to this point with no end in sight. If Barclays knows what the problem is as they say they do. Then why wo n't they correct it. I find it difficult to believe that they are even working at resolving this problem. 
At this point I 'm extremely concerned about this issue being reported to the credit agencies as a bad debt, affecting my credit rating, as well as not knowing what my actual true account balance will end up being. 
I am left to wonder what and when this will be resolved. I get no information from the bank at all. I have to contact them for any updates, at which I 'm told just to continue waiting. 
I would formally like to file a complaint against Barclays to resolve this problem before my I 'm stuck trying to restore my credit and am having to fight to have charges that I 'm not responsible for removed.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NC)

First let me state this company ( Synchrony Financial ) has XXXX complaints at the XXXX. 
For years I have been a customer of Rooms to Go. I have automatically sent the same payment each month and I try to pay the amount early so I am sure not to have a late fee charged to my account. My account was paid off in XX/XX/XXXX. I purchased more furniture from Rooms To Go on XX/XX/XXXX for {$1800.00}. The payment set up by Synchrony is due on the XXXX of every month. I immediately sent a payment of {$100.00} ( even though the minimum was {$52.00} ) for the XXXX statement due on XXXX. It was posted on XXXX/XXXX for the XXXX due date. The next payment of {$100.00} I sent early and it posted on XX/XX/XXXX for the XXXX due date. The next {$100.00} payment was posted on XXXX for the XXXX due date. However, I was charged a {$25.00} late fee even though I paid the XXXX payment on XXXX. The next {$100.00} was posted on XXXX for the XXXX due date. I was charged a {$35.00} late fee. The next payment {$100.00} was posted on XXXX for the XXXX due date. I again was charged a late fee. The next {$100.00} posted on XXXX for the XXXX due date. The next {$100.00} was posted on XXXX for the XXXX due date. When I found out I had been charged {$95.00} plus {$2.00} interest in late fees I contacted Synchrony to discuss this issue. I was told I had made a late payment in XXXX ( which was paid early ) and the late fee was taken out of my payment which resulted in the next payment being less than minimum. So I was again charged a {$35.00} late fee. The following is a summary of my recent transactions and payments for my Rooms to Go account with Synchrony : XX/XX/XXXX XXXX BALANCE XX/XX/XXXX purchase of Furniture {$1800.00} with {$1700.00} financed. Statements were emailed with no paper statements received. 
The following are payments posted by Synchrony:XXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE Charged $ XXXXXXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX purchase of Furniture $ XXXX {$100.00} payment ( due XXXX ) minimum payment due was $ XXXX LATE FEE CHARGED $ XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE CHARGED $ XXXX Interest charged $ XXXXWhen I finally was able to talk with a " real person '' in customer service, he could not understand my complaint but stated he would refund {$35.00}. I explained that no one ever called me to ask about late payments and my payments were paid on time every month and many times earlier than the deadline. I also explained the statements were all emailed and some never got to my email account but my payment was always made on time. However, he still stated he could only adjust my account {$35.00}.
Consumer complaint received 2016-03-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (WI)

I have paid my credit card debt that went to collections for JCPenny. They continue to 'sell my account ' to several debt collectors around the United States . I get a call in my cell phone every month threatening to serve me wth court papers at my place of work or as one guy said 'I better have my Supervisor available when he shows up to sign off on his papers ' ~like what is that supposed to mean? Am I not an adult? And I am the supervisor at my place of work, what would this gentleman have done if he 'd actually shown up? Every time I call these debt collectors back I have to explain that the debt is already paid in full and have to provide them with the letter that says so. It is a complete waste of my time, I 'm sure they scam quite a few people into actually paying making them think they owe them money again.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have an old credit card account from CITI financial I have been paying faithfully. As of XXXX, the payment address changed, and my payments began to not be cashed through my online billpay. However, the letter I received asking me to call to pay over the phone forwarded me to a number soliciting services, I guess a spam number, XXXX XXXX XXXX XXXX. Completely robotic without an option to speak to a human. There was no other number on the letter to contact a live person. Only by XXXX CITIfinancial and calling an office directly could someone access my account