BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for the {$400.00} checking account bonus online and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The promotion code was XXXX. Thank you.

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 2016-12-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have credit card account with Macy 's in which I keep seeing random interest charges and late fees without any rhyme or reason. 

Even if I pay the amount in full they charge me with finance charges or interest charges. When calling their customer care department they waste a lot of time and then ultimately realize that the interest was incorrectly charged to the account. 

On another occasion, they started charging me interest on a 24-month long interest-free purchase saying they have no previous record of when the amount was charged. They only saw the outstanding balance and started applying the financing and interest charges without any logic. When questioned they reversed the charges but they have been a pain to deal with. It takes 4 hours to get to the actual agent who fixes the issues. It is insane how systematically they are conning their customers without their knowledge.

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 2015-12-11
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I called the number on a letter I received XXXX/XXXX/15 dated XXXX/XXXX/15 confirming my on-line user name and the last XXXX digits of my ATM card number. It wanted me to confirm the information and tell me about the services. I contacted the number on the letter XXXX. Spoke to a XXXX in XXXX XXXX and asked what the letter meant. He stated they do n't send these type of letters out. I also ask him why they closed all the ATMs in XXXX and XXXX states. There are no branches either. I am unable to deposit money directly in my Citibank account. Now, I have to pay money for my another bank account XXXX XXXX or XXXX XXXX to transfer money into the Citibank account for my daughter who lives in XXXX XXXX. This gets costly for a person on Social Security XXXX and my husband is retired on Social Security too. Please tell me why they did this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, Citibank was offering a promotion of " XXXX XXXX XXXX points after opening a Citigold checking account and making XXXX or more bill payments in two consecutive months. Expires XXXX XXXX, 2016 '' under a promo code XXXX. At the time of the account opening, I 've reached out to Citibank online chat to verify the terms of the promotion and opened the Citigold checking account online. Once I 've received the debit card around XXXX XXXX, I 've called Citigold customer service and once again verified the terms of the promotion, which was as stated above and Citi representative has confirmed that I will receive XXXX points upon meeting the requirements. I 've also opened Citi XXXX credit card with an annual free and Citi IRA. After completing all the terms and conditions, I 've reached out to Citi customer service who is now refusing to honor the promotion after it has been confirmed and reconfirmed by Citi representatives. I 've attempted to get this matter resolve under case # XXXX & XXXX, however, I 've received a rejection.

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 2015-07-23
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Allied Collections has been reporting inaccurate account information for years. The original outstanding amount was {$50.00}. Allied Collections has reported the collection amount of {$160.00}. In addition, I was not aware that I had an outstanding account bc I have n't received any notice of this amount being owed. Contacted the original service provider, XXXX on XX/XX/2015. Spoke with XXXX in the billing department. She informed me that the balance due was {$50.00} not {$160.00} which was paid in full. Two weeks earlier, Allied Collections, I provided my credit card information to pay the balance of {$160.00}. The account specialist was to email me a receipt which I never received. Not maintaining appropriate account information appears to be habitual in this industry. I would like a refund in the amount of {$160.00} in addition to all negative remarks and removal of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I obtained a Sears MasterCard on XXXX/XXXX/15 when I purchased a treadmill at Sears. The treadmill charge was interest free for XXXX year if paid in full in 1 year - it is called a promotional balance. My statement closing date was XXXX/XXXX/15 and my payment due date was XXXX/XXXX/15 the total balance owing was {$610.00}. On XXXX/XXXX/15 I made an online payment of {$620.00} paying the entire promotional balance in full. During the period XXXX/XXXX/15 thru XXXX/XXXX/15 ( my second statement closing date ) I charged XXXX auto repair charges which were reflected on my XXXX/XXXX/15 statement. When the credit card company received my XXXX/XXXX/15 payment they applied noting to the promotional balance of {$610.00}, which was also the total balance owing on that statement, but instead applied the {$620.00} to the charges that were made after the XXXX/XXXX/15 statement closing date. I requested that the entire {$620.00} be applied to the promotional balance, therefore, avoiding any interest being applied to that amount., but they have not agreed to do that. I feel this is a mis-application of my {$620.00} payment and I would like this corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: Credit Service Company, INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collection agency was notified, in writing, that the discounted amount they are trying to collect was through my insurance company and XXXX. The services were covered by XXXX at the time of service. 
It has been 3 months and they still are saying I owe this money, even after I sent them a copy of my XXXX showing I do n't owe it. 
They also reported this to all XXXX credit bureaus. 
Every time I call them, they tell me they are still working on it. 
If you are disputing an account, the collection agency should not be allowed to put this on your credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I wanted to ask what happen with the XXXX is a issue that was happening at Citibank, when I came on board to the XXXX branch in XXXX Florida and while doing monthly audits I discovered numerous accounts opened without client authorization. 

I brought this to the attention of my current supervisor at the time alongside upper management and loss prevention an investigation was done to be done however since I brought forward those claims that showed numerous employees practicing unethical practices, I was considered a whistle blower and that 's when the retaliation alongside discriminatory behavior started against me until I was fired without merit. 

Is there a legal case against them?

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 2015-06-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My house was foreclosed even after the lender submitted a Cease foreclosure request to the Court Judge. 
This has been a battle since XXXX, I have done back flips to keep my house, made payments that were sent back, tried for loan modification and denied XXXX. Then enlisted a group called XXXX who stated there was a loan modifcation completed and the lender stated to me to hold a bit until the paperwork is complete. Instead the foreclosure was done and then reversed by a Judge in XXXX. Then I paid mortgage payments to the court for one year on time every time until it was loan modified again. The loan modification arrived with the payment amount changed {$200.00} higher thatn what was agreed. Then we set up a mediation hearing that cost me {$250.00} each time. I cancelled the XXXX XXXX due to XXXX XXXX XXXX ) and I also was short of funds to pay {$250.00} again to go in complete XXXX circles and getting absolutely no where. Then here come a foreclose action again. and the the judge gave another opportunity to get the loan modified. I worked extremeley hard to get XXXX plus papers to the lender and I had a verbal pre-approval. They waited the last 2 days before the Foreclosure XXXX/XXXX/XXXX to send Cease Foreclosure and stated they would complete the loan modfication by XXXX/XXXX/XXXX, Letter can be provided. Now, supposedly since it is foreclosed and is owned by XXXX for {$85000.00}, XXXX I paid {$170000.00} XXXX I am waiting for the lender to give me word on an Investor and they will in turn place it back in my name with a loan modification. This has been going on for 3 weeks. I call every week and often XXXX per week. The 30 day window is upon me to get an order to vacate the court order which occured XXXX/XXXX/XXXX. 
Other issues include from XXXX, Breaking and Entering and Theft : changing the locks and entering my house, taking items more than once, going thru my personal dresser drawers as things were shuffled around, leaving deadbolt unlocked, leaving garage light on, cutting off my water, cutting the grass, all in an occupied house. I was living alone and had to be gone 1-2 days due to elder parents illness but when I return to my home, these things were noticed. 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-22
Company: CITIBANK, N.A.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX 2012 we charged The Home Depot card for kitchen redo. Set up auto payments from account that had more than enough money to pay off total amount ( account not used for anything else ). Went fine for a few months, then got notice of late payment. Money all still in acct, THD/CBNA did not pull the XXXX payment, showed us as 30 days late -- we argued it was their fault, not ours. They agreed to fix on credit report. We talk to them numerous times a year and they claim they fixed it back in 2012. Credit bureaus have no record of anything from THD/CBNA stating it should read XXXX late payments. 
We are sick and tired of calling credit bureau, calling THD/CBNA back and forth for 3 1/2 years and it still not corrected. Credit bureau says has never gotten word from THD/CBNA to correct, THD/CBNA says they have sent it numerous times since 2012. PLEASE HELP! We have perfect credit except for this false information. We have also asked THD/CBNA to send us copies of the letters they send to credit bureaus -- we have been told " we do n't send letters to customer '' to " we have sent to you each time ''. We have NEVER received ANY communication about correcting this false report. They ( credit bureau AND THD/CBNA ) have asked us to send letters describing problem, and we have - numerous times- with still no luck.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Let me be clear. I have paid all my mortgage payments in full, to date. I bought my home in XXXX and immediately set up automatic direct debit every XXXX of the month to the mortgage company, XXXX XXXX. Sometime in XXXX, my loan was sold to Citibank, who expected a XXXX payment. I immediately contacted Citi, who assured me they would recover the funds from the previous lender. When this did not occur, I contacted XXXX XXXX, and was told the date, amount and tracking number of the wire transfer. I called Citibank, but still nothing. I made a very long conference call with the two, ( XXXX from Citi and XXXX XXXX from XXXX XXXX ). The Citi rep recorded the info of the transaction. XXXX also sent the info. Still nothing. Citi told me to fax my bank statement. They must have given me the wrong number as I spent about an hour faxing to a bad number. I repeatedly called Citi, which is always very time consuming and sometimes even impossible to connect. On one occasion, they informed me they had found some of my mortgage payment, but not all, and therefore would apply none. ( They would have never revealed this info, if I had n't asked ). Becoming increasingly aggravated, I told them, recovering the rest of this payment and the associated discrepancies is beyond my ability. I merely pay my bills and as I had no control over this transaction, Citi will have to find my money. I have helped as much as I can. Rather than directing their energies to finding the mortgage payment I made on XXXX XXXX, they have instead chosen to harass and threaten me. They call me at work, on vacation, ( verbally abusive ) send me threatening letters, to foreclose on my home, damage my credit rating, which would seriously jeopardize my job. I have spent so much time trying to solve what I consider their problem, and now they expect me to take time from work to meet them. I called a local branch to try to set up a meeting but was unable to get through. If there is a problem with XXXX XXXX, why am I in the middle? It 's not my field, I 've told them, repeatedly. They bought the loan and the associated payments. My job is very important to me, and right now I am way too bogged down, to get further involved in and stressed out correcting Citi 's incompetency and misconduct. In fact, when I do have time, I will look into getting this note into the hands of a more professional and respectful lender. ( By the way, the missing money amounts to about {$250.00}, which really does not justify Citi 's hostile behavior. )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-02
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my property with an XXXX loan. My first loan was succesfully modified making my payment much more affordable. I applied for a loan modification on my XXXX mortgage in several ocassions but it was never approved. This loan was serviced by XXXX XXXX XXXX, and In XXXX of 2015 I received a 1099-C tax form canceling such debt. I properly reported this cancellation of debt in my 2015 Tax return. A few months later I was contacted by Green Tree Servicing LLC, informing they just took over the servgicing of such loan. I was advised by a Housing Counselor to report the incidents since this can be related to a phantom debt scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Credit Karma, LLC
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Says I lived in XXXX. I 've Never in my life lived there. I 'm born, raised, and still a XXXX female. 
Please remove that XXXX address. 
Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: AES/PHEAA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in XXXX, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on XXXX/XXXX/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from and simply said it was based on my XXXX credit report. I have viewed my credit report from all XXXX bureaus and I do not see any delinquencies. In the past 10 years, I have never had ANY delinquencies of any form with any of my creditors, and in the years I 've had my Citibank credit card, I have never made a late payment. I have always made a diligent effort to maintain my credit standing to the highest level possible so it came to me as a surprise when I was informed of Citibank 's decision. When speaking with their representatives XXXX ( employee ID XXXX ) and his Supervisor XXXX ( employee ID XXXX ), I was told they would not reinstate my credit limit to it 's original amount, and the only way I would be reconsidered for reinstatement would be for me to request a credit increase through " Customer Service '' which would result in a " hard pull '' inquiry, resulting in additional damage to my credit reports. I do not have any delinquencies on any of my credit reports, and Citibank 's decision to revoke my credit line has drastically tarnished my credit. I wish to understand why they have made this decision as I do not have a delinquent account with any creditor and their unwillingness to correct their wrong doing has caused me great 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 2017-01-21
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.

Company response to consumer: Closed with non-monetary relief