davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (NY)

I attended XXXX school between the years of XXXX through XXXX. During this time, I took out XXXX {$30000.00} private student loans - XXXX in XXXX and XXXX in XXXX - for a total loan amount of {$60000.00}. Upon graduating in XXXX, these XXXX loans were acquired by American Education Services ( " AES " ). 
I have been repaying these loans since then and as of today ( XX/XX/2017 ) I have repaid {$27000.00} in principal and {$42000.00} in interest -- for total repayment to AES in the amount of {$69000.00}. However, due to AES abusive lending practices, my outstanding balance still reflects an outstanding balance of {$55000.00}. This is abusive and excessive. I am asking for AES to dismiss this loan in good faith given that this loan has been repaid in good faith and the outstanding balance is a direct result of unfair practices. I am also requesting that the Consumer Financial Protection Bureau review AES 's student loan lending practices. 
Thank you Please refer to the attached supporting documentation.
Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (CA)

My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (GA)

Contacted PEAA several times and requested to speak to a supervisor and no one will discuss or fix my account. I left school in XXXX and have been billed for student loans BEFORE my consolidation request has been completed starting in XXXX, violating my 6 month grace period provided under federal law. Additionally, the consolidation request was modified without my permission and I have requested several times for this to be resolved and it has yet to be corrected. Finally, the total balance is NOT matching my records of how much I 've borrowed and no one is available to explain the discrepancy to me.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (DE)

I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MA)

On or about XXXX XXXX, 2016, I received a bill requesting payment to Fedloan Servicing. I contacted Fedloan Servicing, inquiring how they were able to consolidate without my signature or or me agreeing to loan terms. A representative from Fedloan Servicing, going by the name of " XXXX, '' ( no last name included ) responded, " We do not need a wet signature for these applications due to you agreeing to the terms online. '' She also told me that Fedloan Servicing sent me a letter giving me an opportunity to cancel the consolidation in 20 days, a letter that I did not receive. I had never received any phone call from Fedloan Servicing during this time. I did not agree to any terms of this nature online. 

I do not want any affiliation with Fedloan Servicing after reviewing them online. I believe this practice to be fraudulent and unlawful. I am in the process of sending them a XXXX demand letter.
Consumer complaint received 2016-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TN)

have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (FL)

This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles
Consumer complaint received 2015-06-29
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (NE)

I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NC)

Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX 2016 a charge was made on my Citi Card for {$930.00} with XXXX XXXX for a XXXX game in XXXX. I neither made the charge myself or authorized it. I immediately called Citi Card and was connected to security in XXXX and was assured they would credit my account and cancel my credit card while issuing me a new one. I took this personally so I called XXXX XXXX and XXXX XXXX to advise the tickets were purchased with a stolen credit card. XXXX assured me the order would be cancelled. 
I received a letter fro Citi Card dated XXXX XXXX, 2016 advising me I had been issued a permanent credit. it was a form letter from Customer Service with no signature or phone number. 
I received a letter dated XXXX XXXX, 2016 telling me that there was documentation showing I had the tickets mailed to my home and they were reversing the credit. Their own documentation from XXXX show the tickets were printed off the Internet so this is not true. The tickets purchased were for a basketball game that evening so it never came by mail. I called Citi Card security on XXXX XXXX and the person in the XXXX put me on hold for over an hour. He could not help me. I called Citi Card Customer service on XXXX XXXX and they could not help me. I reiterated I did not purchase those tickets and needed to speak to someone in the United States. They could not do that so I got security in the XXXX after being on hold for over 45 minutes. He took my information and said he was going to forward it to the United States to the Recovery unit. He could not give me a name or number. I asked about timeframe for resolution and he really did not know but said 2 days. It has now been 3. 
I mailed a letter on XXXX XXXX, 2016 to Customer Service in XXXX XXXX since that is where the letter came from. 
Citi Card claims that one of the benefits with the card is {$0.00} liability if someone uses the card without my consent. I feel as if I am being called a liar and a crook. I am a XXXX year old on Social Security and did not purchase these tickets. I feel as if Citi Card cares more about the vendor then their customer.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (DC)

I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have been disputing these inaccurate accounts on my credit reports for some time now. XXXX XXXX and XXXX XXXX are reporting accounts that I did not open or authorize and have filed an FTC for and submitted to each credit bureau and yet they are still reporting these accounts. According to the law these accounts were supposed to be deleted from my reports within 7 days of the credit bureaus receiving my FTC report. I have not received any documents from XXXX XXXX, XXXX XXXX or any of the consumer reporting agencies regarding these accounts with sufficient proof this debt belongs to me. These accounts are also reporting multiple inaccuracies which is illegal. It is my right as a consumer to obtain all documents pertaining to accounts on my reports at my request. It is the responsibility of all consumer reporting agencies to properly investigate disputes and ensure they are reporting accurate information on a consumers reports. I am demanding that these accounts are deleted from my credit reports!
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to my account.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (IL)

Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (DC)

Using a Macy 's credit card issued by XXXX XXXX, I purchased on XXXX XXXX, 2016 men 's socks for a total of {$21.00}. A statement for that amount was mailed to me, which I should have paid on XXXX XXXX, 2016. Since I was overseas until XXXX XXXX, 2016, I failed to make that payment, as well as the payment for {$43.00} which a subsequent statement required I make by XXXX XXXX, 2016. I paid {$21.00} on XXXX XXXX, 2016 after seeing the initial statement in that amount, and a further {$61.00} on XXXX XXXX, 2016, after seeing the second statement. I immediately asked Macy's/XXXX to close my credit card amount. Nonetheless, I received yesterday upon my return from another trip, yet another statement which required me to pay a fee of {$1.00} by XXXX XXXX, 2016. Upon calling Macy's/XXXX on XXXX XXXX, 2016, they said they would waive the balance on the closed account ( {$2.00}, for another fee of {$1.00} had been already added ), but when I requested that they send me a statement showing a XXXX balance on the account they said they would not do it unless I paid them to issue it. I believe that for my own and others ' protection I had to bring this predatory behavior to your attention.
Consumer complaint received 2016-07-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DC)

I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

Thanks
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (IL)

I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.
Consumer complaint received 2016-08-27
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (AZ)

A month ago we were vacationing in CA and purchased items at Macy 's in XXXX XXXX ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the records showed that they had called yesterday, that they would send me a bill, but if I wanted to stop the phone calls I would have to pay him now. I said I would not pay unless I received a bill. The man I spoke to yesterday said the bill was being sent and that I did n't have to pay until I got the bill and would incur no interest charges. The man who called today said the phone calls would continue unless I paid him immediately even though I had n't received the bill. This appears to be harassment to collect a bill for which I have not received a bill statement, and I have not received the credit card.