davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

XXXX XXXX issued me a refund for overpayment upon me canceling services on XX/XX/2016. I received a prepaid CitiVisa card on XX/XX/2016, with my refund supposed to be available on that card. After attempting to transfer the balance of {$250.00} from card to my checking, I was given error message. I then called Prepaid Citicard, in doing so, the first person was not able to help. I was transferred to a Supervisor. This lady told me it would be 24 hours and it would be corrected. On XX/XX/2016 I attempted to transfer funds. This time I 'm told there is no money on the card. I call Citi again. The first person today, XX/XX/2016, tells me that the lady I spoke to yesterday requested a check payment. I did not request a check. That person yesterday claimed to be me and requested it. My conversation was recorded, I told her multiple times, I DID NOT WANT a paper check issued. That associate claimed to me and authorized a check to be sent. I did not do that. So now I have no refund, Citi has an employee that impersonates customers. My next complaint will be with the Pa State Police, because she clearly committed fraud. And I am still out my refund from XXXX.
Consumer complaint received 2015-12-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Nationwide Biweekly Administration, Inc. (CA)

I was enrolled in the Nationwide Biweekly mortgage plan from XXXX to XXXX. Because of the disruption in payments due to their closure, it has left me paying enormous fees to my lender, XXXX Bank. I also had to pay a set up fee and other fees to Nationwide on a regular basis. I wish to be compensated for the fees leveed by this company and the so-called promises of paying off my mortgage early.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My wife and I recently applied for a home loan and noticed several errors on our credit report. XXXX in specific showed a liability of {$9100.00} to " Capital One. '' I have never had a credit card with Capital One and the first call I made to them was exhausting. The women was rude and not helpful. Eventually I was transferred to the fraud department and they told me they would send me a fraud packet. I never received anything. I called again and was transferred to the fraud department and I told them my complaint and that I had never received the fraud packet. They informed me that their findings determined that it was not a fraudulent account and that 's why they never sent me anything. I also received a letter from the IRS stating that I owed money since the account was written off. I have been unable to obtain any information from Capital Once regarding these charges they allege I owe. I asked when and where the account was open, if they had my signature on file, I asked for a detailed explanation of all the charges. The only question they answered was that the account was closed in 2009. I have contacted the IRS and they are investing my claim as well. I maintain that this account is not mine and was opened without my consent. I have called capital one 3 times and I still have no answers. I want to know how and when this account was opened? A detailed list of all charges? They stated this account was closed in 2009, who closed this account? Why was it closed? Why is this the first time I am hearing of a debt to them? This account was closed in 2009 ... .7 years later and the only reason I found out about this account was because it came up on my credit report and I received a bill from the IRS.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

My SEARS Master Card statement with statement closing date XXXX/XXXX/2016 for SEARS credit card shows a new balance in the amount of {$250.00} with a payment due date of XXXX XXXX, 2016. On XXXX XXXX, 2016 I paid the amount of {$250.00} in cash at SEARS store located at XXXX XXXX XXXX located in XXXX XXXX NY, XXXX. I will enclosed a copy of the payment receipt. The receipt date located on the bottom left corner of the receipt shows a date of XXXX/XXXX/16 as well as a copy of journal display printed by a SEARS associate for that point of sale showing XXXX as the payment timestamp. 
I received a text message on XXXX XXXX to call Citibank about my Sears account at XXXX. I promptly called and a representative told me that my account is overdue. I explained to the representative over the phone that I have paid it in full and I have the payment receipt. The representative directed me to fax the receipt over to the investigation department at XXXX XXXX. Then I called to make sure that it was received. Since XXXX XXXX 2016, I have been calling every other day to check on the status of the account. The representative talks to me as if there are no notes on the account about telling the bank that I have already paid, faxed the payment receipt and an investigation is under way. When I ask about a case number or a reference number to this matter, I am told that they ca n't give it to me. Last time I called was on XXXX/XXXX/2016 at around XXXX XXXX XXXX. I was told that my payment is still overdue. Frustrated and worried, I decided to go back to the store again. I showed the manager at the store my receipt. She kindly called the credit department with the store information and the receipt information and she was told that the account was credited on XXXX XXXX, 2016. Because now I do n't trust what I hear anymore, I called the XXXX number on my card and listened to the automated account information and indeed it mentioned that the payment was received on XXXX/XXXX/2016. The payment posted date is 17 days after I actually paid at the store. 
According to page XXXX of the credit card statement which reads as follows, Payment other than by mail. 
In store ( where Available ). 
Any payment in proper form accepted in-store will be credited as of that day. 

This means that I have honored my obligation and paid in full a day before the payment due date not 17 days later The Bank refuses to 1- follow its own published rules on page XXXX of the credit card statement and change the payment posting date to the date of payment at the store. 
2- Reverse the LATE FEE although payment was NOT late 3- Reverse the Interest Charges although the entire balance was paid in full before the due date. 
Because the bank does n't admit to its errors, I am concerned that it will report my payment as late to the credit bureaus.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently received a copy of my credit report and noticed I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my credit score and preventing my ability to buy a home.
Consumer complaint received 2016-11-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TCF NATIONAL BANK (FL)

I have requested gateway one lending to not call my cell phone several times. They continually call my cell phone up to 20 times a day .lravimg several messages. They also call and leave detailed information about the amount I owe with 3rd parties several times a day as well. Harassing me about payments.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: American First Finance, Inc. (WA)

When I obtained the loan I was told one monthly price in reality it was biweekly. I requested auto pay to be stopped they sent me an email saying it has been stopped but yet the company American First Finance kept billing me. in one day I had XXXX transactions that where not authorized each transaction was over {$75.00}. This company does whatever it wants and will not change unless someone stands up and says you must obey the laws that you are governed by.
Consumer complaint received 2018-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (HI)

XXXX XXXXXXXX XXXX - Account # XXXX and XXXX. 
I have all the paper works since I started to disputed this account. 
Unauthorized charges. And I place a fraud alert on my credit report and freeze. 
I did settle my account because is under my name and they said its my obligation to pay for it.. Even you dispute the transactions to them since last year. since I found out that my bank account is getting lower my balance so I call my bank XXXX XXXXXXXXXXXX XXXX and they said they will do the investigation and I submit to XXXX XXXXXXXX XXXX the evidence still they don't do anything on my credit report till now ... 
XXXX XXXXXXXX XXXX promise me to pay off then they will removed right away on my credit report.. 
But till now still there ... 
Please help me for this situation..I 'm stressing out already I paid already even those not my charges..fraud.. 
u can email me if you any more questions. 
I send all the documents that I have ... 
Thank you so much..
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (AZ)

I am trying to refinance my mortgage with the same bank that already has my mortgage, CitiMortgage. I also have a HELOC with XXXX. CitiMortgage wants me to supply a copy of the " NOTE '' for the XXXX HELOC. I contacted XXXX for a copy of the " NOTE ''. They supplied me with a copy of the notarized signed HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT and said that is the NOTE. CitiMortgage is telling me that it 's not and I have to get XXXX to send me the NOTE or a certified letter stating they do not have a NOTE. I spent XXXX hours this afternoon getting the same answers and no resolution. My complaint is why is XXXX banks documents not official enough for another bank? And why is it okay for CitiMortgage and XXXX to require different documents for the same house that when it was purchased and financed 8 years ago by both Banks this said document was just fine? I do n't know where to go from here. I ca n't get the document that CitiMortgage says I need from XXXX. As far as I know or can remember I never received or signed anything other than HOME EQUITY LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT from XXXX. Can someone tell me and both banks what is really needed here? I have n't defaulted on my loan, I 'm not asking the bank to reduce my principle, I just want a better interest rate so that my payment wo n't be so high and I should n't be put through all this nonsense. Bank loan documents whether conventional loan or Home Equity Loan should be standard. It 's your house/home that 's the collateral. And why are there all these closing costs when your financing with the same bank, they already have the title insurance, they already have the deed of trust, they already have the original appraisal and now the current appraisal
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had signed up for " Payment proctection '' with Capital One for my credit card. I stopped paying due to financial issues and now they are suing me in XXXX XXXX Court. 
The payment protection add-on I paid for was described to be me as an insurance against a default. The company said I would be covered but they refused to honor their promise and now I 'm being sued.
Consumer complaint received 2017-01-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

Credit card companies ( e.g., XXXX XXXX, Citi, etc. ) often offer rewards based on purchases made with merchants accepting their cards. The amount of the reward may depend on the Merchant Category ( type of business ) of the merchant. My issue is that it is very difficult to determine BEFORE making a purchase, what the Merchant Category Code ( MCC ) is for a given business ( e.g., XXXX, XXXX, etc. ). I have called both XXXX XXXX and Citi to determine the MCC for a specific business entity, and was told by both that they can not ( not allowed to ) provide that information, even though it is displayed on my billing statement the next month following the purchase. I am told by the credit card companies that it is up to the merchants to specify what their merchant category codes are and that I should contact the merchants directly to determine their code. The merchants I have contacted have been unable to tell me, for whatever reason, what their MCC is for the credit card companies they are associated with. For the consumer, I think the lack of access to a merchant 's MCC is a disservice, if not deceptive marketing practice to not make that information available. The vacation rental that I am looking at reserving for ~ {$6000.00} can result in a credit card rewards of $ XXXX {$180.00}, depending on the one of several reservation agencies MCCs I choose to make the reservation through. Because the credit card companies will not provide me with the Merchant Categories for the several agencies I am looking at, I can not determine ahead of time which merchant can offer me a better offer. It 's like the airline industry not revealing baggage charges ahead of time. Although the rewards are not hidden " charges '' the hidden MCCs can result in lost savings to the consumer.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WA)

I have a Citi Prestige card with Citibank. Upon calling for retention I was told about an offer on my card if I spent $ XXXX a month for 3 months, Citi would refund back to me {$200.00} for that spend. 

For the next 3 spend cycles I spent {$4000.00} a month on my Citi card often using the Citi card when it would have been better to use other credit cards if not for this offer. 

At the end of 3 months when I asked about my reward Citi basically told me they had defined 3 arbitrary periods a month and my spend doesnt fit the $ XXXX a month as defined by them arbitraririly. I would like to clarify, I was never told about these arbitrary periods in my call to Citi and its impossible to predict that Citi would mess up something so straight forward. 

I escalated the issue via Citi but today I got a generic letter which tells me I have not met the requirements completely ignoring the nuances of the case.
Consumer complaint received 2016-06-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (ID)

In XXXX, I entered a debit reduction agreement to pay off credit card charges and also requested an account closure of an American Express account. Part of the agreement with XXXX XXXX , XXXX was to close accounts and destroy the card, which was completed. XXXX, XXXX a written request was mailed to American Express to also send a return written notice confirming the closure of this account. The account has been successfully paid in full. Instead, a mailing stating a " statement balance will change with recent activity on your account '' was mailed with their notice to call. The card was destroyed and no intent to use on my behalf. American Express notes cancelling the account -yet will not send notice of CLOSURE. My request is simple. A closure notice, no further activity and yet American Express would prefer to upsell their product/credit card. Help?! Thanks so much!
Consumer complaint received 2016-03-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: DriveTime (TX)

This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.
Consumer complaint received 2015-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Accounts Research, Inc. (TN)

Account Research is harassing me for a bill which is owed by my spouse. I have contacted the billing services and spoke to someone named XXXX I explained that this is not my bill and I was never treated by XXXX XXXX XXXX in XXXX, TN. XXXX advised me that since it is a medical bill I am responsible for my spouses charges. My spouse is XXXX years old and responsible for his charges. I asked them to stop sending the bill with my name on it they have now resorted to sending the past due bill to my place of employment. This is a cheap ploy to shame me into paying for a bill that is not mine.
Consumer complaint received 2018-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cashbak, LLC (CA)

This place is crawling with fraud. They try to electronically cash your check under diffrent company names. I spoke to the fraud Dept in my bank and they investigated them and confirmed they commited fraud. The bank fully refunded my money to me and concluded with saying they were also reporting cash back loans. I am also reporting them along with my bank and Im exposing what they are doing to every public website out there under their name so the public is aware. This company is fraud. Its been confirmed and Im asking the FTC to put a copy of this complaint on their permanent record.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (SC)

I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TN)

In XX/XX/2018, there was a charge from a merchant by the name of XXXX in the amount of XXXX charge to my card, that Citibank allowing. I have tried to talk to Citibank and let them know the charge was fraud and not to stop the recurring monthly charges. But talking to Citibank wouldn't help. So I decided to file a compliant. I had to cancel out my card XXXX times due to this. And Citibank is still allowing it to happen. I have asked Citibank to stop the transaction, but they will reversed it. and it appear on my statement. Another charge showed up for the month of XXXX. Citibank is not listening at all about what I have to say so I have filed a compliant.
Consumer complaint received 2015-10-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC (WA)

After telling them I owed other agencies mainly the State of Washington money and that they would have to wait. They continued to call me at least once if not three times a day looking to set up payments. All while denying that I had talked with anyone about my situation. They continually harass my family members and some how found out my new work number in a different city across the state and has started to contact me here putting my job in jepordy and tarnishing my professional reputation.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (TX)

I set up an online payment of {$1500.00} for my Synchrony Bank credit card for XXXX XXXX and it cleared my bank soon after. I confirmed with both my bank and Synchrony the funds had been released/received. I am now being told that the funds will not be available for three weeks while they make sure my payment is n't fraudulent (? ). I was told it was because it was large and had it been for the minimum amount, no problem. Am I being punished for paying my card down? I offered to contact my bank to confirm the funds were not " fraudulent '' and was met with no interest to confirm.