BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I own a XXXX Home Depot XXXX Card. The very fisrt purchase was fraudulent. When I received my statement and realized the charges were fraudulent I went to the XXXX store to report the incident. The manager called the Home Depot Credit Department. I reported the incident to the police department XXXX and gave Home Depot the XXXX Police Department Phone Number and case number and the information was included on the paperwork sent back to Home Depot. When asked who I thought might be responsible I mentioned a name of a person working at my office who may have picked up the 2nd card out of my deck and used it - but I am not 100 % sure. When I asked the person if he had the second card he said he 's not sure but if he did he lost it. I have tried to contact the fraud department at Home Depot at least 6 times and when I finally get to the Fraud Department the line disconnects me. I believe I have taken all the necessary steps - reported the incident immediately upon realization, called Home Depot, cancelled the card, filled out all the requested paperwork, followed up, reported the crime to the police department, the person I think committed the fraud has been arrested before on stealing property and fraudulent use of credit cards. I am attaching all the paperwork for you to review. I continue to receive bills from Home Depot adding service fees and late charges - and I would like this entire incident to be cleared up as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a complaint with you over a month ago concerning the excessive charges on my citi card # XXXX and received a satisfying answer from XXXX XXXX of the Executive Response Unit saying all interest, late charges and membership fees were credited back to my acct. A balance of {$21.00} remained. I called her over 6x, leaving mess- ages, asking her what the balance was for as I had paid in full all my charges on XXXX XXXX of {$23.00}. She never returned my calls. On Sunday XXXX XXXX I called Citi 4x the last call lasting 40 minutes. The balance was reduced to {$10.00} but they could not tell me what it was for. The last call the balance was reduced to {$4.00}, again they could not tell me why I am being being charged. It 's amazing that an agent ( XXXX ) and a supv could spend so much time on the phone for such a little amount but they refused to remove the charge, even though they can not tell me what it is for. Obviously I will never do business with Citi again. Please help again!!! This is so aggravating and frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I closed my accounts, both checking and saving, with Citi on XX/XX/XXXX at a branch in XXXX, but was notified on XX/XX/XXXX that my saving account was still open and that there was some leftover fees. I believe this was a mistake which should have been handled properly on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of XXXX we applied for a hardship loan from Citimortgage due to XXXX loss of a job and a decrease of the home value due to the recession. The loan was declined since we were not in default or imminent danger of default. We continued to pay the mortgage out of our retirement savings. From XXXX XXXX through XXXX XXXX the loan was being processed by Citi. Every week we called them for an update on the status, they continually asked us for additional paperwork, most of it duplicates from the original loan request. Over this period of time we were unable to pay on the loan thinking this would be processed in a timely manner and our interest rate would be reduced ( It was over 5 % ). Citi assured us every week that the loan was in final review. On XXXX XXXX, XXXX we received a phone call from Citi stating our loan was NOT approved, due to " Quality Control. '' We requested a written notification multiple times but never received anything from Citi. On XXXX XXXX, they sent us a payoff balance and a foreclosure date within 15 days. We had to borrow the money to avoid foreclosure. Of course our credit has been seriously damaged even though the arrears were paid and the home was eventually sold in XXXX XXXX. Because of lack of transparency and the misrepresentation of Citi we suffer financial losses and our credit is damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, XXXX I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in XXXX, XXXX. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inquiry as to whether the interest rate would be affected due to the late payment. I was informed by the account specialist that the account was not showing an increase in the rate and that same would be showing on the account already if applied. Based on that statement I made no further inquiries as to any increases in the rate. According to the credit card reform act of XXXX, a credit card issuer must advise the consumer of any increase in interest in writing prior to adjusting same. I received no such correspondence advising me of such increase. Additionally, the Act states " if you are 60 days late on a credit card payment, then your issuer can raise your interest retroactively, but you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months ''. This opportunity was not afforded to me by the issuer as no additional payments were late after the XXXX, XXXX payment. However the issuer did not re-evaluate the account at six months, but rather continued to access the account a 29 % interest rate and would have continued to do so if not for my inquiry of today, XXXX XXXX, XXXX. I am seeking to recover the additional interest charged on the account from XXXX, XXXX thru XXXX, XXXX in the amount of {$210.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26
Company: Hosto & Buchan, PLLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged a {$35.00} overdraft charge when I had expressly asked my bank to never overdraft my account for any reason. Not only that, but I also had made a deposit the night before that would more than cover the small charge that my bank ( Apple bank ) was claiming merited the {$35.00} overdraft charge. 
This overdraft charge seemed unfair, unreasonable, and avaricious. I talked to the phone customer service, who was unhelpful and told me to talk to my local branch, and I then talked to my local branch, who told me they did not have the authority to overturn this charge, when they have in the past. They then asked me to fill out a form to request this charge be overturned. But they seem unhelpful and unwilling to listen to what I have to say and they seem to be more concerned with profiting off of my bank account then in offering legitimate and professional service. 
I 'm contacting your office because I believe you exist for this type of low-level crime that banks get away with consistently and wind up profiting off of these kinds of seemingly innocuous situations to the tune of XXXX of dollars every year. 
Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-20
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
This is my third complaint against this company. After doing some more research on my situation I feel that I may be a victim of discrimination from the dealership I got my loan through. My state 's usury law states that any loan with interest over 18 % is a violation however, car dealerships can be exempt from this law if they have a license. So I would like to know why the dealership charged me 18.23 %? My last name is of XXXX XXXX origin spelled XXXX XXXX XXXX. Perhaps the dealership markup was due to my race? I want some answers. I have contacted the bank lender Santander Consumer USA and they told me it was within the rights of the dealership to markup the interest above the state legal limit. So, why did they do it? Do I have a case to take some legal action? If discrimination is n't the reason why the interest rate exceeds the state legal limit then what is the reason? Did this dealership have the proper license to markup the interest? Apparently, there is a special license needed by the dealership. I would like proof in writing. I have considered taking legal action against the lender because they should know the usury laws, so this bank and all banks should be held accountable even when dealerships markup the interest rate, and paying more close attention to minorities like myself to make sure their customers are n't being taken advantage of. I feel that I have been taken advantage of severely. I owe XXXX still on a car that was bought used and now only worth XXXX. I have a simple interest loan, so I am paying {$6.00} a day just in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a 2014 XXXX XXXX and have had continuous transmission issues. ( This is well publicized in " car '' literature. ) Over the past year and a half, I have had the car to the dealer XXXX times, and XXXX updates have been performed. The service manager confirms the bucking that the transmission does when accelerating from a near stop. The motion is akin to being held by a rubber band and then let go. At present, the XXXX XXXX team and dealership are contemplating what to do next. There are no more software updates available, and they have been largely unsuccessful in remedying the transmission bucking. *The drop down box below requires the selection of a description of the issue, however, none apply, and thus XXXX was selected randomly. *

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
my problem is with chrysler capital. The day XXXX XXXX, my car XXXX XXXX and was a total loss. the manufacturer does not want to pay and this in court by the Lemon Law. I kept making payments for automatic debits chrysler capital. and they reported that I am 60 days of nonpayment, and my credit under XXXX points which is very bad. I took 3 months in this situation and they just say sorry and I will fix it. THANK YOU VERY MUCH FOR YOUR HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
All payments are being made using online banking with XXXX. 
Took out the loan in XXXX 2016 with Santander Consumer USA and started making payments in XXXX. The due date is the XXXX of the month and the online banking was set to credit them on the XXXX. 
In the 8 months that I have been paying on this loan the company has lost my payments 4 times and the payment of {$500.00} made in XXXX is still not credited to my account. They have also credited a payment to my account that I never made and have since removed that payment. I have late fees and extra interest owed. My bank has contacted them and sent proof of payment and still no one knows where my {$500.00} payment is. My fear is that my credit rating will suffer because of their incompentence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Cash advance

Complaint:
My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is {$6500.00}, of which apx. {$1000.00} is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra {$20.00} each month. This is gauging, fraud, double-dipping and plain whole stealing. Macys does not give the consumer a chance to pay their cash advance. When are the deceptive practices going to stop? Please have Macys remove this charged for the cash advance from my account, I would like a ledger of the daily interest charges for the cash advance and balance since 2009. Going forward, I need a monthly account of the cash balance if Macys refuses to remove the charge. I would like greater transparency for the consumer to let them know exactly the policy of the cash advance. I will not let this go, credit card companies are making people debt slaves and the government is condoning this behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief