davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

There was a fraudulent activity on my Macy 's credit card in XXXX XXXX for XXXX charges : {$44.00} and {$47.00} on XX/XX/XXXX and XX/XX/XXXX respectively. I notified Macy 's of the fraudulent activity as soon as my statement arrived XX/XX/XXXX. I received their Statement of XXXX application XX/XX/XXXX and mailed the completed application on XXXX XXXX describing the fraud claim in writing. After numerous calls to Macy 's to check the status of the Fraud Investigation for two months, I was told that Fraud Department help desk had no access to the investigation details other than a status of " pending ''. They could n't confirm whether the Statement of Fraud application was even received. In order to reassure myself they had received it, I mailed a copy of the initially filled out application with a certified letter XX/XX/XXXX. The certified letter was received on XXXX XXXX. I then called again to check the status and was reassured that the investigation will be completed in 30 to 90 days. The 90 days expire tomorrow ( XXXX/XXXX/XXXX ) and after my last phone call with them, the investigation is still not complete. Macy 's is reporting my account as delinquent and late because of these unpaid fraudulent charges and as a result my credit card score is plummeting. My life has been put on halt as I ca n't achieve my goals because of my poor credit card score. As a consumer, I have done everything in a timely manner and with care while Macy 's has just neglected the reported fraudulent activity on my account for 7 months.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (MD)

While travelling abroad, the credit card issuer called about an alleged fraud alert. I provided all the information they requested. Yet, the credit card remained inoperative ( suspended ) for the remainder of the trip, which caused us major problems. The credit card in question is the XXXX XXXX XXXX, issued by Citibank. 

The CFPB should penalize Citibank for unethical business practices.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

Notwithstanding several attempts to have the below corrected since XX/XX/XXXX via telephone complaints/request to Macy 's credit ; to date, I have received no replies or corrections. 
XXXX Re : Macy 's credit card number XXXX As communicated in my call to Macy 's Credit Services of XX/XX/XXXX , that my Macy 's credit account which is my oldest credit reference is not being reported by XXXX, XXXX nor XXXX. Said account is reported as closed by XXXX. 
Per your request on XX/XX/XXXX, this is my written request to have my credit reference of this trade reported/updated correctly with all the applicable credit bureaus. 
Attached you will find a copy of my most recent XXXX report which corroborates this issue. 
Please confirm execution. 
Thanks for your assistance. 
Sincerely,
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

I ordered food from a local restaurant that I have done business with for 8 years. They refused to accept my credit card stating that I had disputed a previous charge. I never disputed any previous charges. They have provided documentation that proves my credit card issuer ( Citi XXXX has stated that I did dispute the claim. Citi never billed me for the order in dispute, but now Citi wo n't take claim or help me clear my name with my local restaurant as they say the transaction never happened and they did not send the charge dispute form.
Consumer complaint received 2015-12-28
Product: Prepaid card — Government benefit payment card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (DC)

XXXX DC offers tax refunds on Citi Bank Prepaid card. The tax refund was for XXXX. Citi only permitted me to withdraw XXXX. Merchants have refused the XXXX and Citi refuses to close the account. Next month Citi will start charging me maintenance fees. Its is obvious that Citi only permits whole dollar transactions so that cards are left with unusable balances and then they are happy to charge maintenance fees. You should audit all of Citi tax refund accounts to see how many cases Citi has benefited from this behavior.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hi, On XXXX XXXX, I opened a Citigold checking account with a promotion code I had received, namely XXXX. According to the promo, I was promised XXXX XXXX miles upon completion of certain criteria, which I met XX/XX/XXXX. I had contacted Citi multiple times since then. Each time, they told me that I am eligible for the promotion, that I met all the requirements, and that the miles would appear in the next statement cycle. Namely, I was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, was told in XX/XX/XXXX that the miles would appear by XXXX XXXX, and told in XXXX that the miles would appear by XXXX XXXX. I have attached evidence of one such letter from Citi. 
As of the date of the complaint, the miles have still not been rewarded, despite having been promised multiple times that they will be. Given that Citigold is Citi 's highest banking tier, I should have been treated with more courtesy - namely, given what I was contractually promised, after having met the requirements for the offer.
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MD)

The following monthly {$2.00} charges can not be explained by Macy 's : On XXXX XXXX, 2015 I paid the balance of XXXX due on my Macy 's credit card. Since that balance, I have not purchased anything else on my Macy 's credit card. However, I received the following charges : XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$2.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$4.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$6.00}, actual purchases {$0.00}, credit limit {$600.00} ) XXXX/XXXX/15 Minimum interest charge {$2.00} ( balance due on that card {$8.00}, actual purchases {$0.00}, credit limit {$100.00} - lowered without notification ) On each of the statements, it stated " Interest Charged '' as {$0.00}. However, " Purchases, Cash Adv, Fees & Other Debits '' as {$2.00}. The store would not let me use the card this holiday season and overheard another shopper with the same problem and the same {$2.00} charge. I was not aware of this {$2.00} charge and it is not explained anywhere. On the phone, I was told that it is " residual interest ''. I paid the remaining balance of {$8.00} on XXXX/XXXX/15 and closed the credit card today XXXX/XXXX/15. 
On XXXX/XXXX/15, I was told by XXXX at extension XXXX that nothing was ever reported to a credit agency and nothing will be reported to a credit agency after I close the credit card. It is only {$8.00} but I need total oversight in order to protect my credit rating from such deceptive practices. Please let me know if I can send you the statements.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

I applied for a Citigold checking account XXXX XXXX, 2016 over the phone and was approved. Phone representative confirmed, promised XXXX AAdvantage miles after completing required activities. 
I followed up with Customer Service later. Phone representative again promised XXXX AAdvantage miles after completing required activities. 
After completing required activities, I emailed Customer Service but received a message back on XXXX XXXX to the effect that I would not be receiving the promised XXXX AAdvantage miles. What a disappointment! 
I do have a disclosure that Citibank mailed to me promising the XXXX AAdvantage miles after completing required activities. It is attached. 
I have completed all the required activities. Citibank should have a record of my calls and message. Please ask Citibank to award the promised XXXX AAdvantage miles.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Our tax return for the tax year of 2015 was taken by the IRS and given to Navient because we were deliquent on our student loan. The total amount taken was about XXXX. But no where in our records with our student loan does it show that the money was actually applied to our loan. In fact, after they took the XXXX, our loan was XXXX bigger then before. We can not find out where this money went. It appears that it was stolen by someone at Navient because there is no record of it being applied towards the student loan. The IRS states that that is where it was sent. In light of what is now going on with the investigation into Navient, we really could use some help to find out what happened to that money.
Consumer complaint received 2017-02-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have tried numerous times to get my student loan payment lowered to an affordable monthly amount based on my income. Navient has denied any affordable price and only gives me outrages quotes I can not afford. When i told them I ca n't afford to pay they told me my credit can go bad and this will affect me. I asked them if they can garnish my wages and she said possibly which at that point i felt trapped. They said go ahead and pay the amount you are able to contribute each month but you will still be in bad standing as long as you are not paying the amount Navient is requesting. I asked what is the point of paying if i will still be in bad standing. I do not know how else to go about getting affordable payments as I already have other debts owed to the state and ca n't afford to pay what they ask of me. They call from multiple random numbers now harassing me to pay what i can not afford. It is impossible to avoid them as they call from different numbers every time they call.
Consumer complaint received 2016-09-07
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (FL)

I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand english well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.
Consumer complaint received 2015-10-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (CA)

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB/AMAZON on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL (IL)

I was offered {$20.00} reward incentive to open a Sam 's Club XXXX at the checkout line. At the time I signed up they said that the credit would show up on my first billing statement. I got my statement today and there is no credit! I called their customer service XXXX and was told both times that the credit will show up in XXXX to XXXX billing cycles. Because of the deceptive practices I do not want this card at all. Sam 's Club XXXX is issued through Synchrony Bank. I also have written letter disputing this and have mailed it to them per their instruction on the back of my statement.
Consumer complaint received 2015-09-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MD)

Hello, I had a Walmart credit card account open in XXXX and paid it in full in XXXX XXXX for the amount of {$1400.00}. I recently received a bill from the creditor with a opened balance of XXXX. I called Synchrony Bank and they researched my account and stated that my account was paid in full and a new balance show up on XXXX XXXX. I stated to them how could I have a balance when my account been closed since XXXX and paid off XXXX XXXX.
Consumer complaint received 2016-01-09
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank contacted Lowe 's even though I paid Lowe 's years ago, have a zero balance, to have my account closed in retaliation. I paid the Lowe 's card off early and the last payment was for over XXXX dollars in 2013. I have other active Synchrony credit cards that have a balance that have no issues. The issues started with Synchrony Bank regarding a Walmart credit card which I paid for years.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (VA)

I settled a debt with XXXX XXXX in early XXXX, and they have yet to update the three credit reporting agencies. The debt was paid as agreed in the settlement. The balance is XXXX, but is still being reported at over {$2000.00}
Consumer complaint received 2016-06-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (PA)

We have a credit card with Synchrony Bank ( a GAP credit card ) that we pay automatically, through their system, directly debited from our bank account on the due date. This past month, Synchrony received payment on XX/XX/XXXX at which time the funds were deducted from our account. But, even though Synchrony had our funds in their possession on XX/XX/XXXX, they 'put a hold ' on our payment as a 'random fraud protection ' measure, giving us no credit for the payment they received, effectively reducing our available credit to XXXX. This resulted in charges we made after XX/XX/XXXX being declined - and of course we were never notified of the declined charges or of Synchrony 's actions. Now, the seven days of their 'random hold ' are up, and we still are showing no credit availability, even though they have had our funds for seven days. We have never experienced anything like this from other credit cards in our 30 years of credit card experience. Is there something that can be done?
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (GA)

I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

When I logged into my Navient account today, it indicated that my account had a late payment balance of {$110.00}. I did not recall making any payments late, so I started investigating. As I looked at the previous 12 months worth of statements and compared it to my payment history, I always paid the amount due. I called Navient, and after some research the representative said that the XXXX amount due should have been {$110.00} more that it was. I explained that when I log in to the website, the amount due is prominently displayed and I must allocate the payments for each loan. I paid the required amount in XXXX, XXXX, XXXX, and XXXX. My XXXX statement does not show any late payments. They said that the audit revealed I owed an extra {$110.00}. They were kind enough to not charge me interest or a late fee for the payment I did n't know I was supposed to make.
Consumer complaint received 2016-06-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MD)

Navient claims that they had called me several times. After calling my parents who gave them the correct number to call they then began to call anyone who seemed to be related to me. Then today after I 've told them before not to call me at work, they did. I can get fired for handling personal calls at work. The man I spoke to was rude and threading. While the company is opened until XXXX they told me I had only until XXXX to speak to him. After multiple times of repeating myself, I 'm now reporting them because I 'm sure they are doing this to others as well. My other problem is that this man says his name and then straight up asks for my social security number. With this day in age, how do I know who they are. I 'm not going to assume that they are who they say they are just because. Navient has also threatened action on my father. On multiple occasions I 've tried to work with them but they are nothing but awful and mean.
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CITIBANK, N.A. (MA)

Citi Bank let someone else open a credit card under my name in XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts in XX/XX/2017. After I read about Citi Bank online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Consumer complaint received 2017-02-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NV)

I am being charged {$260.00} a month to pay off my student loans. When I total the amount owed per month for each of my loans, the total is {$240.00}. I called the company FedLoan Servicing who manages my loans and asked why there is a discrepancy. They said that I had overpaid what I owed in recent weeks, which is true because I made a lump sum payment, and that the lower monthly payment amount is due to that. I was told by the customer service representative that the lower monthly amount of {$240.00} would n't become enacted or kick-in until some time in 2019. She asked me if I would like to have the lower payment amount kick-in now instead ... all she would have to do is submit a request to have that changed. I answered " yes of course I do n't want or need to be paying you more than what I actually owe! '' They seem to be making extra money off of me by charging me more than what I actually owe per month. I have discovered multiple deceitful practices by this bank/company since they have been managing my federal loan repayments over the past couple of years. If I had n't noticed this, I would just have paid them extra money per month for at least two years unnecessarily. Unacceptable! As a result, I am choosing to pay off my loans sooner just so I do n't have to deal with this company/bank and to limit the amount of interest they can collect from me. Why are they allowed to continue to deceive their costumers?