davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
Thanks
Consumer complaint received 2016-08-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XXXX XXXX, I submitted an application for a Citigold bank account using promo code which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised of XXXX AAdvantage miles would be credited to my AAdvantage account. At the time of my application, I entered both the promotion code, and my AAdvantage account number. Hence I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of XXXX Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with my Citigold Debit card and perform XXXX or more bill payments for 2 consecutive calendar months. This information should be discoverable as all conversations are recorded by Citibank. After I met the promotion requirements, I contacted via secure messages and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that all the promotional requirements had been met, and I would receive my bonus miles credited into my AAdvantage account no later than end of XXXX XXXX. 

In early XXXX XXXX, again I received secured messages from Citibank that a case R- XXXX has been opened to investigate the missing XXXX miles. On XXXX XXXX, I received a secured letter from Director XXXX XXXX confirming the XXXX miles, but somehow they manage to LOSE my AAdvantage account number! When I responded back with my AAdvantage number, they said the letter has been deleted, and Citibank had to re-create another new investigation case AGAIN. 

All these while, they keep charging $ XXXX monthly fees while dragging their feet in honoring their marketing promise. It 's clear that this is a deceptive marketing from the very beginning. 

Please see the message below from Director XXXX XXXX of Client Research of Citibank. 
XXXX Dear XXXX XXXX, Thank you for your inquiry on XXXX/XXXX/XXXX regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : Your account does qualify for XXXX XXXX, which offered XXXX AA Miles. 
Citibank is eager to have these miles applied to your XXXX XXXX AAdvantage account, however ; will need your XXXX XXXX AAdvantage account number to process your request. Please contact Citibank Online Services at XXXX at your earliest convenience to provide the AAdvantage account number. 
If you have any questions or would like to speak with a representative, Customer Service can be contacted 24 hours a day, 7 days a week at : Citigold XXXX Citigold International Collect XXXX XXXX XXXX XXXX ( TDD ) XXXX We appreciate your business with Citibank and look forward to serving all your future financial needs. 
Sincerely, XXXX XXXX, Director, Client Research
Consumer complaint received 2015-08-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MI)

Citi XXXX XXXX Credit Card - have balance under promotional offer - Titled Offer 5 - 4.99 % until balance paid - had no other balances due. XXXX/XXXX/15, purchased concert tickets. Purchase went to Offer 9 - 1.99 % until XXXX/XXXX/15, then standard rate of 17.99 % after. Concert cancelled by artist. Purchase refunded by Citi on XXXX/XXXX/15. Citi applied refund under Offer XXXX instead of Offer XXXX. Charged Interest on offer XXXX for XXXX and XXXX for a refunded purchase. Statement showed Offer XXXX balance subject to interest rate of {$140.00} with interest charge of {$0.00}. Made payment. XXXX Statement showed Offer XXXX balance subject to interest rate of {$170.00} with interest charge of {$0.00}. How does a balance go up by {$34.00} when a payment was made and the interest charge was only {$0.00}? Also, because payments apply to higher balances first, and Offer XXXX balance is much higher than Offer XXXX, my next payment will not touch Offer XXXX and Offer XXXX will revert to the 17.99 % standard rate. The practice of not applying a refund to the offer in which it was charged has me paying interest on a refunded purchase and has set me up to fail completing Offer XXXX in the required timeframe and raising my interest rate. Because the purchase was relatively small, the net effect is minimal but, if this were a much larger purchase, like if I bought tickets for a large group so we could sit together, I would be subjected to a much higher interest payment, especially after it reverts to the standard interest rate. I feel this practice is fraudulent and wonder how many others are affected. I am sure it could exceed XXXX per month that Citi can collect fraudulently, with most people unaware. I spoke with manager with Citi, but they unsatisfactorily explained this to me.
Consumer complaint received 2016-05-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

hi, i have mortgages : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i 've had these loans for quite a while-i think since XX/XX/XXXX or XX/XX/XXXX we 've made our payments and have had to adjust how we send them in due to the careless handling of the payments. first i would mail them altogether in one envelope with one check and include the coupons showing the loans paid. they would apply all of the money to XXXX account and show the others past due. i stopped doing that and issued a check per mortgage and included all the checks and coupons together in one envelope-same result as the first. i am now writing out individual checks and putting the check and the coupon in it 's own envelope and then sending it by ups -- so i get a signature that you have received the payment. i 'm sending ups -- - because it is taking upwards of a week to apply the payments to the mortgages-why is that? it runs it close to the end of the grace period-which sets off a chain of events that is wasting my time. i get calls and emials telling me that my payment is due-although i sent the check out a week ago. i called XX/XX/XXXX and talked to reuben id # XXXX and went through each and every loan to make sure i was n't charged a late fee-he did that for me and told me that no fees were charged. i asked how come they are calling me and he said that there are XXXX or XXXX departments that work on the loans and they do n't share the info. this is a huge time waster for me and very stressful. i need to speak to someone regarding this as i need to remove the remarks from my credit report-it has a negative impact. i have in my email box a notification of payment on XXXX XXXX telling me that the payment was made on loan XXXX and then on XX/XX/XXXX i get an email payment reminder -- see how this is happening? makes no sense to me. i can never get to anyone that can make a decision or think logically to resolve this issue that has been going on for years.
Consumer complaint received 2017-01-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (WA)

CITI Bank Customer Service and Presidential Escalation departments REFUSE to address issues with my account. 

1. CAN NOT CALL - BLOCKED 2. CAN NOT LOG IN ONLINE - BLOCKED " We 're very sorry, but that content you are looking for ca n't be found. Please try the homepage again. If you continue to receive this message, please call the Customer Service number on the back of your card. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' Can not resolve billing issues or dispute charges or make changes to my accoun NOR advise of large payment coming from different country! 

Credit card is useless if blocked on charges.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I shopped often at MACYS but I never applied for a credit card with them. After I checked my credit about 5 months ago, an account from Macys on my credit report, which showed a balance of {$180.00} dollars, that was charge-off. I immediately contacted the number that was on my credit report from Macys and tried to speak to someone in the fraud department. Unfortunately they kept me on hold so long, I had to hang up. I then contacted XXXX and spoke to a credit analyst and they were kind enough to tell me what to do. I contacted XXXX XXXX police dept. and filed a police report. ( no.XXXX ) it was approved by officer XXXX with badge # XXXX and then field an identity theft report with FTC .Ref (. # XXXX ). Then I sent a copy of the police report, with the FTC report, to all three major credit bureaus via certified mail and informed them to block my credit file. I also contacted MACYS and send them a copy of police report along with FTC report and inform them there is An account from MACYS is appearing on my credit report and I am not aware of having any account with their company. I request that they investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature and any other documentation verifying the account is, in fact, mine. If they can not or will not provide me this information, then I formally request they send me a letter stating that this account does not belong to me and that it will be removed from my credit reports.Until this matter is cleared up, I firmly request that they stop reporting this account altogether. this is what happened I received a letter from macys fraud department stated they had reviewed my claim for unauthorized activity and they regret to inform me my claim can not be accepted base on account history. I got so frustrated with the letter that I just received, I immediately contacted the fraud investigation dept. at XXXX and I requested to speak with a supervisor for a copy of the original application for my review. To date, I have not received any of the requested documents.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NY)

I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

Citibank illegally reaged my account. Citibank misrepresented the date of first delinquency, and also misrepresented the date that my account charged off when they sold the delinquent account to XXXX XXXX XXXX XXXX XXXX ( XXXX ' ). 
The Citibank record no longer appears in my credit reports because Citicards is aware that the delinquency occurred in my account more than 7 years and 180 days ago. However, in their sale to XXXX XXXX, these dates are misrepresented, thereby XXXX XXXX reported the collection account in my credit reports ( XXXX, XXXX & XXXX ). 
I am requesting Citibank to immediately provide me the following items : Please provide the following regarding these account numbers:1. Date of first delinquency leading up to account charge-off2. Date of charge off3. Complete monthly statement history from account XX/XX/XXXX to XX/XX/XXXXPlease note that this case is being forwarded to the FTC. Please reply in official Citi letterhead.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX 2016 was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

I confirmed with Citi on Multiple occasions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

A Federal Government card should not show on my Credit Report ( s ). I handled this with Citi when it first happened and now this is reporting on all three bureaus and late on XXXX. The bureau even wrote a letter which I am attaching. 

Account XXXX
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Citibank sent me a notice of closure for an account I had with them since 1995 ( 20 yrs ). It stated to cut up any cards I had in my possession and notify any card users of the closure. They did not send prior notification stating the account would be closed and give me a chance to take action to keep it open. The account is one of my oldest trade lines and this closure will cause harm to my credit score. It 's unfair and I should have been given at least 30 days prior notice. They stated in order to re-open the account they need to pull a new credit report. This is underhanded and unnecessary. My credit was good enough for a XXXX limit 2 weeks ago and nothing has changed so this action is just a ploy to change the agreement from prior years. Pulling a new report will cause harm as well to my credit score. They admitted if they closed it in error it could be reopened without a " rescore '' or pulling of credit. This practice is unfair, deceptive and abusive.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (PA)

I paid my Macy 's card balance in full and the check cleared the bank on XXXX XXXX, 2015. The company has been billing me {$2.00} per month since for interest charges. The due date for my payment is the XXXX of each month. I do not intend to pay the charges and have called the company and gotten no response.
Consumer complaint received 2017-01-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: CITIBANK, N.A. (FL)

Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (FL)

I 've deposited {$1800.00} in order to have a secured credit card with First Progress Card. 
After few years I decided to close the account, I 've called XX/XX/2017 to close and ask for the deposit refund, at that time I was informed it should take up to 7 weeks which is ridiculous. It 's Seven weeks already and I did n't receive the refund, now I 've told that is up to 10 weeks!!!
Consumer complaint received 2016-08-10
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (CA)

I am trying to refinance my property in California. I have been approved to subordinate my Citibank line of credit. Citibank prepared the Subordination Agreement and requires me and my wife to sign it. My wife is deceased. Citibank refuses to change my wife 's status to deceased. Citibank is making it impossible to refinance by this request, causing me great financial hardship. I sent Citibank her Death Certificate. They still refuse to change her status
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been following the Navient lawsuit and I am in 100 % agreement that Navient knowingly steered my girlfriend into programs that where not beneficial to paying her student loan debt. Navient took advantage of her lack of knowledge and has added an absorbent amount of interest to the debt an the debt remains unsatisfied after 12 years of payments. They promised loan releases to co signers which I am, and continue to play games and will not release information to consigner a only thru primary borrowers. I 'm stuck attached to a debt I have no control over and my girlfriend has been ruthlessly taken advantage of. We want to repay the original amount borrowed and want money applied to high interest programs they steered us to applied to the debt.
Consumer complaint received 2016-09-30
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: LDF Holdings, LLC (MN)

I received XXXX dollars into my account to a payday loan from XXXX that I did n't apply for and did n't approve. I went out of town on the XX/XX/XXXX, returned on the XXXX and was going through my account. I had a XXXX dollar deposit into my account on the XX/XX/XXXX. I had contacted XXXX on the XX/XX/XXXX to check. They said it was filed. I reached back out on the XX/XX/XXXX with no resolution. Turns out XXXX never had filed the complaint. I called XXXX and they said that they had gotten confirmation from my current employer, XXXX XXXX, which is not my current employer. They suggest I reach out to XXXX again to file an XXXX to decline the XXXX deposit. I have filed paper work to get things reversed.
Consumer complaint received 2023-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I had a home loan through Wells Fargo in 2013. I was behind on payments but had an agreement with Wells Fargo to repay and was told my house would not be put up for foreclosure if I complied. A week later they sold my house at auction and someone showed up saying they bought it and I had to leave. I had over {$100000.00} of equity in the home they took. I know there was a recent judgement against them and I believe I should be included. They have not attempted to contact me as this is the same phone number and email I had back then.
Consumer complaint received 2016-01-11
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (VA)

I filed a previous complaint about Barclays Bank because their records were in such bad shape that I could not get anyone to discuss my charged off account so that I could settle it. ( They thought it was with a collection agency, the collection agency said it was still with Barclays, this went on despite many many phone calls trying to find someone who would accept a payment ) My previous CFPB complaint prompted action from their president 's office to fix those issues so that I was able to enter into a settlement agreement. I paid the amount required by the settlement agreement by XXXX XXXX, 2015. I was told the credit reporting would update on XXXX XXXX to show that I no longer owed a balance to Barclays. 

However, on that date, they only took off the payments I made. They are still reporting that I owe them approximately {$3000.00} even though under the terms of the settlement agreement I owe them nothing and the balance should be XXXX. I attempted to call, and spoke with a regular customer service representative and then a supervisor, who XXXX said the balance would NOT be updated. 
Barclays is either refusing to abide by the terms of our settlement agreement, or its employees are simply not competent enough to update things correctly. This needs to be updated asap because I am in contract on a home purchase, and it can not go through while the lending bank thinks I owe money to Barclays.
Consumer complaint received 2016-01-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (NJ)

I had vacated my apartment on XXXX/XXXX/XXXX. on XXXX/XXXX/XXXX Hunter Warfield had sent me a notice saying I still owe {$1300.00} to the Landlord. I had asked for an explanation as I had never received any initmation to that effect from the landlord. Hunter Warfiled sent me a mail dated XXXX/XXXX/XXXX giving the break up of the said amount. This included items like damages to the property etc., As I was not aware of any damage to the property, I had sent them a certified post asking for proof on XXXX/XXXX/XXXX within 30 days of the receipt of the mail. I never heard from Hunter warfield till date. But they have sent a notifications to the credit monitoring bureaus which has resulted in a huge drop in my credit score.