davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BC SERVICES, INC. (MN)

The collection agency Boettcher & Associates Inc. from XXXX, Colorado has failed to validate their claim to a debt ( which has been bought numerous times in the last 10 years ) as well as payment history on the debt which they had a full calendar year to provide. Recently they violated the FDCPA privacy laws by speaking with a family member about the debt, and not only that then they sent that family member a letter that stated Boettcher & Associates was attempting to collect the debt from my family member.
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (MI)

I contacted my Mortgage Company ( CitiMortgage ) on XXXX/XXXX/XXXX to Refinance my home, as they held my home Mortgage since XXXX, and I needed to start some home improvement. 
Within few minutes I was Pre approved for the amount of {$210000.00}, as the loan process started I complied in full with the documents they required. After my home was appraised for {$410000.00} higher value than what I originally assumed ( Citi chose the appraiser, and I paid Citi for that ) they came back asking for more documents. after weeks of uploading more documents to their web portal, I waited for another week and requested an answer, on XXXX/XXXX/XXXX I received an Email from yet another processor asking to upload more documents. Yet I have no answer of whether the loan will ever get approved.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A. (AR)

I purchased a stove, washer and dryer from Home Depot. I made the payments on time until I fell on hard times. They called me and set up a payment plan with me. I had been on this plan for over 2 years allowing them to draft my acct faithfully on the XXXX of each month. I called on XX/XX/XXXX to have the draft stopped for one month and agreed to pay XXXX payments XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I was told the payment plan would resume drafting again XX/XX/XXXX. When the payment did n't draft on the XXXX I called on XXXX and was told the plan had to get set back up I made a phone payment with XXXX and was told to hold for a certain department. I held, held and the call ended my lunch time was over. I then received a letter stating my payment plan was terminated. I called and spoke with XXXX who then transferred me to XXXX on XX/XX/XXXX he told me the plan was terminated for missing XXXX payments advised my payment were missed, he then went on the inform me there was nothing that could be done as far as putting me back on the plan and my payment was not {$100.00} and no longer {$90.00} and the ARP was back at 26.99.By being on the repayment program I put a big dent in the balance from over {$5000.00} to a little under {$3100.00}. My plan was terminated unfairly and I desire to be back on the plan to get this balance paid in full.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (WA)

After reviewing my credit report, problems with my Macy 's card has significantly affected my credit. I have only purchased something on this card twice. The first time I paid in full. The second time, I was not receiving the bill after changing addresses and was three months late. I called Macy 's and told them I never received a bill or late payment notices. They agreed to take off a significant amount of the late fees. I paid in full exactly what Macy 's customer service told me to pay. I have not used the card since as of XXXX. It was paid in full with a balance of XXXX so I did not continue to look at the statements. However, for the next 6 months they charged me {$2.00} every month as minimum interest charges. Again, I received no bill or late payment notices. Finally, after having a {$12.00} balance on my account, I receive a statement in the mail saying my credit limit was lowered to XXXX dollars and I have been delinquent in payments. I called Macy 's and explain what happened and they told me they will credit me XXXX dollars since I should n't have been receiving minimum interest fees. I ask them to close the account and they say it 's closed. I would like to fix the negative account on my credit report. I have never paid interest or late payments on any other credit card. XXXX Macy 's credit card should not affect my score this much. I paid exactly what they told me to pay but they kept charging me minimum interest fees on a XXXX balance account without my knowledge. According to FICO, my credit score has dropped from XXXX when I bought a car in XXXX to XXXX as of XXXX. It was XXXX in XXXX and it has dropped XXXX points in just one month and the Macy 's card is the only negative account on my report. Please let me know what I need to do to fix this inaccurate negative reporting.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (NJ)

Delaware Solutions, XXXX XXXX is contacting my place of employment, my relatives and stating there is a federal case against me regarding me being a " habitual offender '' of a debt case, is sharing the last digits of my ss # to my employer and relatives. They have left messages threatening to send me a summons to appear in court where I will be required to pay and if not, they will put me in jail for the maximum sentence for fraud. 
They will not send any information regarding the debt over but claim I owe over {$2000.00} in bank fees and for the original debt. They are claiming it is a payday loan which I have not taken out. I tried to explain that my identity was stolen a few years ago and since then I have been getting these calls. She claimed that if I do not pay, I will be arrested.
Consumer complaint received 2016-06-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

I signed up for a Citibank Citigold account with a sign up bonus offer ( XXXX XXXX XXXX miles ) that I received in the mail. I met all the requirements ( XXXX consecutive bill pays for two months, purchase of {$1000.00} with debit card ) of the bonus and did not receive it.. I was told via secured message I would receive the miles by my XX/XX/XXXX statement, and in an online support message that I would receive the points by XXXX XXXX. I messaged today to confirm and was told they were not planning to honor their original promise.
Consumer complaint received 2016-10-12
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Perfection Collection (MD)

I am writing because I have disputed a debt once I received a notice from PERFECTION COLLECTION LLC within 30 days of receiving the notice. They still placed a negative entry on my credit file. They stated that the account was opened in XXXX XXXX which is a lie. 

The company XXXX XXXX crammed the switching of my alarm service even after I had voided out the alarm service contract, did not pay off my previous service contract as agreed, which I had to pay. This account was also part of my bankruptcy filed in XXXX.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank/Care Credit ... I went to the dentist for a procedure in which they opened up a Care Credit account ... The account was at 0 % interest and payments were supposed to be made monthly until complete ... I made all my monthly payments, to include on time ... After paying on the account for 12 months, I called in because I had an additional bill and I was told that the account had been charged interest since it was not paid in full in 12 months ... I never received any paperwork stating this would be case nor was this information disclosed to me on month XXXX, XXXX, XXXX, etc ... After all the penalties, interest, etc., I was told that my remaining balance was {$1900.00} ... The initial balance when opened was {$1600.00} and I had paid that all the way off minus {$100.00} ... After explaining to Synchrony the situation and requesting copies of the contract that stated I had 12 months to pay in full, they never sent it to me ... I requested several times over the phone and 3 times certified letter ( all of which were ignored and not responded to ) ... They never sent me the original contract ... In addition, I was told by management that I would be allowed to pay the remaining balance in full ( {$100.00} ) and I should receive a new bill with the final amount within a couple weeks ... I never received a bill and a month later, I noticed they charged the account off and placed it on my credit ... This account was originally for {$1600.00}, I made monthly payments for 12 months at 0 % interest and had a short balance, and now they 're saying the charge of amount is {$2200.00} ... It does n't add up, to include they do n't have my original application/contract.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2015-08-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NC)

On XXXX XXXX on XXXX XXXX flight XXXX from XXXX to XXXX ( XXXX ) we were offered a " special offer '' to earn XXXX bonus XXXX bonus miles if we openedup a Citi / XXXX. I filled out the form and gave it back to the flight attendant. After a month on XXXX XXXX, I called Citi on to see what happened to myapplication. An employee and manager confirmed that they never received my application. This is very troubling because the application contained my social security number, and other personal information. Citi said that legally all applications must be processed within a month. They told me to contact XXXX XXXX. XXXX told me that I needed to file a complaint online which I did. My Report : XXXX ( XXXX ) was answered today saying that, " We forward all applications directly to Citibank for them to process and they would be the ones investigating the status of your application. '' Now I do not know who to contact next.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX I applied for a promotion of you Citigold debit card. 
Promo code : XXXX My Debit card # XXXX Checking Account # XXXX Since I met the requirements to received XXXX XXXX miles in XX/XX/XXXX, I have been calling many times Citibank to report that I have not received the promised XXXX miles of the promotion. I have spoken with numerous people, supervisors and sadly to report, none of them cared. I had even opened cases, ie. 
case # XXXX but nothing has been done, nobody takes ownership of this issue, nobody cares. Last time they told me they needed my XXXX # to post the miles, which I again gave to them several times, but nothing happened. 
So after more than 6 months of contacting their people more than 12 times, the issue is still not resolved which is very upsetting. I even talked to supervisors several times but nobody takes ownership and it seems nobody cares at all.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened XXXX accounts at Citibank ; A CitiGold checking account and a credit card. 
The bank representative ensured me that I would be eligible for a XXXX Advantage mile bonus in opening the CitiGold, provided I made {$1000.00} of purchases and two BillPays in the first three months. I fulfilled these obligations and checked with my local branch whether or not I had met the requirements. 

However, after many months, I had not received the mile bonus in my account. I submitted several complaints regarding the account and the promotional offer and was informed that 'those offers are only available to the individual to whom the offer was addressed. ' I am extremely dissatisfied with the customer service and the lack of transparency regarding this promotion.
Consumer complaint received 2016-03-25
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

Citibank offers their customer a free credit ( FICO ) score and on XXXX/XXXX/16, I recevied an email from Citibank notifiying me of my current score which was obtained from XXXX. 
According to Citibank as of XXXX/XXXX/16 my credit score was XXXX. In XXXX 2016, I filed several complaints with the CFPB against XXXX in regards to my credit score and disputed the accuracies. On or around XXXX/XXXX/16, I received and updated credit report from XXXX and it stated my current score was XXXX. I tried to reach out to Citibank and XXXX to dispute the inaccuracies and find out why there is XXXX different scores and nothing had change excepted for payments which should increase the scores not lower it by more than XXXX points. To date Citibank has refused to look into the matter and provide a response or corrective action.
Consumer complaint received 2017-03-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened my account on XX/XX/2016 and funded the account on XX/XX/2016. I opened it with Promo Code - XXXX ( XXXX ) and that promotion stated. " There will be a bonus of {$400.00}. To get the bonus you must either open the Citibank account package and the Citigold account package and deposit {$15000.00} of new to Citi funds within 30 days and keep it there for 30 days. The bonus will be deposited within 90 days from the date that you meet the requirements. '' It is well past the 90 days and I still do n't have the {$400.00} bonus. I have contacted Citibank several times and I continuously get the runaround on the bonus. I was told I did n't have a XXXX but I have sent that XXXX FIVE ( 5 ) times to them at - CITIGROUP XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX which is the address Citibank provided to me. They show that it was received but keep claiming that the SSN does not match my bank account name which is a LIE. I then send it a 6th and 7th time of the XXXX WITH a copy of my driver 's license, a copy of my SSN, and a copy of my tax return. All items match with my SSN on the XXXX form. I feel that Citibank is doing EVERYTHING POSSIBLE in order to avoid giving me the {$400.00} bonus EVEN though I have met every single condition of bonus offer. It is now XXXX and it has been over six ( 6 ) months since I have opened the account and left the {$15000.00} in the account without a penny of interest or the bonus. Can you please investigate this matter? I have XXXX this online and Citibank is KNOWN for pulling these illegal shananigans in order to keep from paying the bonus they promise to their customers to get them to place money into their bank.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (PA)

I received a letter in the mail from Sears Credit Services congratulating me on being approved for an upgrade to the Sears Mastercard. It indicated that I will automatically be upgraded to the mastercard unless I decline by calling XXXX or visiting card offer.searscard.com by XX/XX/2016. I phoned the number and learned that my account was a closed account, which I knew and wanted to keep it that way. When I was transferred to a customer service representative who could help I was put on hold and then hung up on. I do n't want any additional credit and I do n't feel Sears or XXXX should be able to " open '' an account automatically unless I decline their offer, especially on an account that is already in a closed status.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (WI)

This is a follow up to complaint # : XXXX. 
The original complaint is as follows : My credit card issuer, XXXX, assessed my account with late payment fees of {$25.00} on XXXX/XXXX/XXXX, {$35.00} on XXXX/XXXX/XXXX and {$35.00} on XXXX/XXXX/XXXX which were all a direct result of XXXX 's payment system being unavailable to access requests from XXXX and their Customer Care Agents providing incorrect payment processing information. In speaking with their Internet technical support services staff 3 days prior to the initial fee assessment they informed me that they were not able to provide an alternative and advised me to contact the XXXX 's Customer Service telephone line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. In following up with a phone call to an Account Manger on XXXX/XXXX/XXXX I attempted to dispute the prior assessed late fee and also requested to have my current payment due processed by phone and also have future payments automatically drawn from my checking account - none of which was done properly. 

In following up with the account management team on XXXX/XXXX/XXXX I learned that the likely reason for the miscommunication was that the support services staff, which was recently outsourced, was not familiar with the newly implemented procedures. 

I 've been a customer for approximately 15 years and only within the last 12 months have I encountered repeated billing and payment issues but early on I was able to reach an " on-shore '' representative which took the time to research my issues, provide guidance and prompt service. Unfortunately, and as of late, there is no follow up from any of the account managers nor responses to letters or phone calls. 

Complaint addendum ( XXXX ) Today I spoke with a representative ( XXXX XXXX XXXXXXXXXXXX | XXXX ) from Citi 's " Executive Office '' and after reiterating the details of the complaint above the representative was inflexible regarding the reversal of fees in addition to updating the negative credit reporting entries. In the course of our discussion he informed me that he reviewed my call history with Citi and found no record of my discussions with other representatives or prior service issues. I then proceeded to provide the dates and various representatives names I spoke with in attempting to resolve the issues. He claimed there was no record of any such discussions. I then provided details regarding internal process changes and dates that directly resulted in these issues and despite confirming my knowledge of said process changes and their time frames, which were not discussed in any of the calls he claimed to review, he refused to further investigate the issue, change his position, escalate the matter or provide any solution.
Consumer complaint received 2016-07-15
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: LD Holdings Group, LLC (NC)

My wide & I have been looking for a house on XXXX for a few months & the site suggested we talk to a loan office to get pre-qualified. We submitted our information and soon enough XXXX XXXX XXXX from IMortgage called us to discuss the process. 
We gave him all the necessary information and within a few days we had a pre-qualification letter for {$300000.00} and we started to talk to a real estate agent. We found the house & started the process of getting the mortgage. The numbers from IMortgage were good & we believed the house was affordable. We paid the Due Diligence money ( {$1500.00} ), the Ernest money ( XXXX ) and paid for inspection ( {$490.00} ). I also was told to pay my taxes in full ( {$10000.00} ) instead of monthly installment. 
We had the closing date set for XXXX XXXX and everything seemed to be working fine. 
Just two days before the closing, XXXX XXXX called me and stated something is wrong with the number. He made a mistake & did not calculate the HOA fees correctly and so we can not close on the house. That was a decision from the underwriters and there was nothing he can do about it. 
I called his supervisor ; XXXX XXXX XXXX to complain who promised to find a solution and will call me back be he never did. Instead, XXXX XXXX called to state he knew I called his supervisor but still, there 's nothing he can do. 
My lease on my apartment ends on XXXX XXXX and the apartment management told me that we have to vacate it because it 's already rented. I have a XXXX woman & a XXXX year old daughter and I 'm not sure what to do or where to go. Our lives are a mess because of their mistake and they 're not even showing any remote compassion for us.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

The merchant Ally Financial has repeatedly delayed submitting the correct balance of consumers account while simultaneously delaying timely reporting to all United States Consumer Credit Reporting Bureaus, i.e. XXXX, XXXX, and XXXX. The consumer is forced to make personal inquiry to insist on having Ally make accurate status reporting to all U.S. credit bureaus. The above-mentioned actions by Ally Financial serves to depress 'accurate credit scoring ' ( towards the consumer ) based on current diminished balances. Ally Financial has used these 'fraudulent and deceptive ' credit-reporting stall tactics with this consumer whom has established an account that has paid early each billing cycle and NEVER LATE, for over 13-months.
Consumer complaint received 2017-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Aargon Agency, Inc. (OH)

Aargon Agency Inc. is calling me at XXXX. Per Aargon 's records, they know that I moved out of XXXX and now live in XXXX as I am the one who updated that information with them.
Consumer complaint received 2015-08-05
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (CA)

A delinquent account is reported to my credit agency, after I refuse to pay charges that have no explanation and no justification for the charge. I am provided no information that assists neon verifying any location, date or service. The only information I receive is that if I do n't pay it will affect my credit which it already has!