davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016, in response to a bonus account advertised by Citibank, I opened a new checking account at a local Citibank branch. I deposited {$15000.00} which was supposed to yield a {$400.00} bonus in 90 days. The personal banker who helped me listed the following requirements that I needed to meet : 1. Keep at least {$15000.00} in the account for 90 days, at which time the {$400.00} bonus would be deposited into my account ; 2. She said that I also needed to fulfill the following requirements -- sign up for online banking, open a new debit card connected to that account, and pay at least XXXX bill online from that account. I did complete all requirements successfully. My husband had opened the same type of account ( separate from mine ) the day before on XX/XX/2016. I found out later that the same Citi personal banker did not tell my husband that any of the requirements listed in # 2 above were needed ( i.e., they were in fact not needed ). 

The 90 day deadline passed, and no {$400.00} bonus was posted to my account ( or to my husband 's separate account ). I called Citi. It was very difficult to get through to the correct Citi department, but they finally placed an inquiry claim for me. Afterward, I was finally able to also get through to the local Citi branch, again after much difficulty. I spoke to the same personal banker who opened my account. This time she gave me different information than what she provided when I opened the account. She at first said the {$15000.00} minimum needed to be in the account continuously only for the first 30 days, 90 days after which the {$400.00} bonus would be deposited to the account ( i.e., the bonus would be deposited after 120 days, not 90 days as originally promised ). Contrary to what she had said on XX/XX/2016, she also said there were no additional requirements for this account, i.e. those listed in requirement # 2 above. During this call my husband also spoke to the same personal banker, as his {$400.00} bonus had also not been deposited into his account. The banker later called back to say that she had deposited my husband 's bonus to his account, and that my bonus should be posted in a few days ( i.e. we did not have to wait for 120 days ). 

My husband did eventually receive his bonus. I still have not received mine. Today is about 130 days since I first opened the account -- well past both 90 days or 120 days. In response to the claim Citi opened for me several weeks ago, I received a letter about 14 days ago confirming that my account did meet all of the necessary requirements for the bonus. I again called Citi after receiving the letter. They opened another inquiry and said the bonus should be posted to my account by this week at the latest. The bonus has not been posted. I want this bonus posted to my account! Also, if I had defaulted on a bank account, loan, etc. I would be assessed a penalty fee. I would like the same from Citi.
Consumer complaint received 2015-09-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

Macys made a change to their credit card online payment system, it is now supposed to go to DSNB ( Department Store National Bank ). Instead, when you click the link to make a payment it brings up an error page saying " Time to Give Us a CallPlease contact Customer Service at XXXX. '' Calling the number takes you to a XXXX minute or more hold after which the service person says you need to go online to make account changes because their system is being upgraded. Macys will then charge late fees and interest. This same issue is being reported by XXXX of people on social media and has apparently been going on for several weeks.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (TX)

So I recently had another complaint with CFPB and it looked like it was resolved. Thought everything was fine. Now the Citi CC company is making responsible once again for fraudulent charges. I got my bill in the mail and they are saying that i spent {$840.00} which I thought was resolved. They sent me a bill saying that I used my card back on XXXX which I know is a lie. I just recently got this card when it transferred over from XXXX Costco CC. So my complaint is why am I being held responsible for this???? I thought Citi made it clear to me that these were fraudulent charges .... I wish Costco would of not swicthed me over to this Citi CC. They are the worse CC company that I have ever dealt with. If you own one of these cards, be careful and try not to use it. They will make responsible for charges that you didnt even make.
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a Citi Bank Citigold Checking account earlier this year. I signed up for the account as part of a promotion Citi Bank was running, whereby they promised to award XXXX XXXX XXXX miles to any new customer who completed a few requirements. I had never been a Citi Bank customer before and met all of the requirements ( two consecutive monthly bill pays and minimum {$1000.00} debit transactions ). When I signed up for the account, I spoke directly with a Citi Bank representative, and they confirmed to me that I was eligible and would received the points after completion of the tasks. It has now been over XXXX months since completing the requirements, and although Citi Bank confirms I completed everything satisfactorily, they have told me I will not receive the points. This seems unacceptable to me, as they told me at account signup that I was indeed eligible, and I have been paying a monthly fee for the account ever since. I completed all terms required for the promotion, but not they have chosen not to hold up their end of the deal.
Consumer complaint received 2016-06-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

I PURCHASED A HOME IN XXXX XXXX FOR XXXX AND SINCE THEN HAVE HURT MYSELF AT WORK ( XXXX XXXX AND HAVE REQUESTED HELP IN XXXX FOR A MODIFICATION ON MY MORTGAGE BECAUSE MY PAY IS NOT REGULAR PAY ANYMORE AND THEY WILL NOW HELP AND I PAID THEM {$500.00} A MONTH AND THEY DID NOT TELL ME IT DIDNT COUNT TOWARD MY MTG, SINCE THEN I HAVE BEEN BACK AND FORTH TO WORK BECAUSE OF MY INJURIES AND HAVE APPLIED FOR HELP TWICE AND THIS TIME I CAN NOT GET ASSISATACE AND THE WANT ME TO PAY XXXX A MONTH BUT THEY HAVE SENT ME AN APPRAISAL TO ME TWICE THAT MY HOUSE IS ONLY WORTH {$30000.00} I FEEL USED BECAUSE IF THEY FORCE ME TO MOVE THEY WILL NOT EVEN GET XXXX FOR THIS HOUSE I NEED A ROOF AND HAVE PLUMBING ISSUES BUT STILL WILLING TO PAY SOMETHING FOR THIS HOUSE AT LEAST WHAT IT IS WORTH, I AM CURRENTLY BACK AT WORK NOW BUT STILL HAVE XXXX I HAVE TO HAVE SO IM WORKING 24HRS A WEEK AND GET PAID THE REST FOR OFFICE OF WORKMANS COMPENSATION WHICH IS WAY LESS THAN WHAT MY PAY WOULD BE IF I WAS WORKING MY REGULAR JOB 40HRS A WEEK. PLEASE HELP
Consumer complaint received 2016-07-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

Since XXXX, I spent XXXX months stressful days but, I paid {$150.00} for the services fees because of CITI. 

I opened Citi Gold account last XXXX, because I see there was XXXX XXXX miles promotion for opened the Citi Gold account. 

First, I see this promotion it looked really easy to do. I can not even imagine this takes too too long for be processed. 
I finished all promotion requirements at XXXX. and I sent a message to Citi. 
And they replied I need to wait till 90 days after I finished the requirements. So I waited like 120 days like a fool, but It does n't work. So I sent a message and call them that they finally submitted investigation for me ... 

2 weeks later, I got the message that I can not get a promotion because my account is not yet XXXX verified. So I sent the XXXX form to them. But It was rejected because of I did n't sent a proof of XXXX mailing Address. At that time I felt weird because I 'm still lived in XXXX. 

I sent another copy of XXXX with proof of XXXX mailing address ( It mentioned I live it here ). and call them I sent that. But, no updates for me after 2 weeks. So I called them again but, they said like it 's still processing. and call again and again and I knew that they even can not found my documents. 
and call again to XXXX of supervisor that said like I have to submit the XXXX instead of XXXX ( what.. ) So I sent that now my account is finally verified. and I submit the another investigation for it. and I 'm still waiting for it. 

Also, I tried to asked them a monthly fee waived, but that does n't work. They overtime said like their regulation for it. After few days is XXXX XXXX, that means I should pay another {$30.00} service fee. 

I 'm really tired of the situation, and I hop this solved quickly. 

Please understand my circumstances, I will look forward to hear from you soon with a good news.
Consumer complaint received 2016-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (NY)

I have a Home Equity Line of Credit with Citibank. They obtained and are charging me for home owners insurance even though I ALREADY have my own policy. I have sent my own policy information to them multiple times yet they continue to charge me and keep their own policy in effect. I am paying for XXXX policies. 

My own Home Owners Insurance is provided by : XXXX XXXX XXXX - account number is XXXX XXXX My Broker is XXXX
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Alorica Inc. (TX)

I have contacted the Company and I have contacted the XXXX themselves. I am now getting letters from the attorney 's office without having them change my credit or make anything right by them dinging my credit with the unlawful pull of my credit. 

1. They did not have my permission to pull my credit. 

2. They had a letter advising NOT to pull my credit. 

3. They did not have an updated consent to pull my credit and the information they are basing their authorization off of was NOT supposed to be pulled and used in the first place due to the XXXX XXXX leasing standards for XXXX. Unlawful and XXXX anyway even if it was was not up to date. 

4. 3rd party did NOT have a signed dated consent to pull so someone gave them my consent unlawfully to pull my husband 's and my credit and it was done unlawfully and with intent. 

NOW they are attempting to get my information to put it through so they can scam me again. I want charges files and their files audited. Their city and newspaper are in with my records as well should you look at the address where they keep all records and NOTHING is done lawfully. Attempting to go through their counsel, I am getting delayed tactics and semantics. 

I have attached a series of emails. XXXX knows that there is no change in our " borrowing '' services and there is no change from the " original '' term which they denied us years ago and this is a formality because they forced us into a " rent-to-own '' circumstance. Therefore this " new application '' is a formality so we are no longer having to pay additional " rental fees '' on top. They are wanting authorization to run our credit while they already did it illegally when they did NOT have permission to on the form they told EGS/NCO they did have permission and sent the authorization through.
Consumer complaint received 2015-08-20
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (NC)

Netspend deactivated my card when I inadvertently went into overdraft because of an XXXX order that was billed in several different increments. They did not notify me at all that my card was deactivated, so after I made a deposit to put the balance over {$170.00} in the positive, I tried to use it at a gas station and it was declined. I check the ATM at the station and it said I had {$170.00} balance, but when I tried to withdraw money from the ATM it was declined. I tried again and it was declined. I logged onto the website and it said I had that much available, but it also charged me {$.00} for each of the XXXX times I checked my balance. At that time I received XXXX text messages at once from them stating my card had been deactivated and I needed to reactivate it online. I tried to do so, but it indicated that the card was " already activated. '' I called the customer service number and a very rude XXXX man, supposedly named " XXXX '' informed me he could NOT reactivate my card, he would have to send an email to the department who did that. I indicated I was XXXX miles away from home and needed to purchase gas to get home and the deactivated card was the only method I had of doing so. I told him I needed to talk to someone who could rectify the situation NOW and he offered for me to speak to his supervisor. After holding for more than XXXX minutes, my cellphone battery was dying, so I told " XXXX '' to have a supervisor call me on my daughter 's cellphone, and I gave him the number. I told him to also email the department who could fix the problem and I needed to know when it was fixed so I could actually drive home. This was at XXXX and I had XXXX of my children with me. It is now more than 12 hours later and I have not received any phone calls, text messages or emails regarding the status of my card. I called the customer service number again and held for more than 10 minutes without anyone coming to the phone to take my call. I am furious! I want access to MY money, which they are holding because I do n't have any way to get it out other than the card that is " deactivated ''. They send me texts for everything from deposits to withdrawals to advertisements. They could n't send me a text to let me know my card would not work, even though I had just deposited money onto it? This is poor business practice and when I called them it should have been corrected immediately.
Consumer complaint received 2016-05-14
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (NJ)

I was trying to use my Paypal Prepaid Debit Card for the very first time. I could not withdraw the cash even though I knew I had put money on the card. I checked balance several times since I was confused. 

I later found out that I was charged a fee to check balance, in fact, I was charged the SAME fee several times in a row! And an ATM Transaction Decline Fee two times. All this within the space of several minutes. 

Even if a fee is charged in such a situation, it is not right to charge the same one several times in the space of a few seconds/minutes!!
Consumer complaint received 2015-11-27
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: LDF Holdings, LLC (KY)

I have stop payment on Lend Green due to finding out they are not regulated in the state of Ky. I went into my bank, XXXX XXXX XXXX XXXX, on XXXX and put a stop payment on them but they went into my 2 weeks later under alternate originator number. I have sent an email to the company to stop all ACH and I filed a complaint with Ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (IN)

Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TN)

This account was settled in full on XX/XX/2020 for {$760.00}. I have received letters stating that the account would be considered settled in full with a XXXX balance, but never an actual letter showing a XXXX balance despite multiple requests. They have also not updated the account with the credit bureaus since XX/XX/2020. I am trying to buy a house and need this resolved.
Consumer complaint received 2015-09-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NE)

I have applied for Chase Freedom credit card and was denied because " Too many credit cards opened in the last 2 years. '' I feel this is a discriminating policy against divorced people ( I got divorced last year ). During a divorce the parties are forced to close credit cards that are issued on both names and open new cards with de-novo credit inquiry and credit check. There is no way around it, the accounts have to be closed and new credit cards ( CC ) have to be issued. Even though I have had another CC with Chase for 10 years with no late payments and no carryover balance ever on the account and even thought I was approved for house refinancing twice after the divorce and was approved for about XXXX CC, Chase had denied my application. When I called to depute the issue, I got to talk to XXXX ( the senior support specialist ) and he was no help. He kept putting me on defensing by constantly asking why do I feel that Chase discriminates divorced people. Instead of giving me any solution to the situation I was forced to defend why I felt the way I was. XXXX did n't tell me when I can reapply and what is an acceptable amount of CC that could be opened in the past 2 years. I feel this is an unfair policy that is discriminating against divorced people, and yes I know that Chase was n't notified of my divorce, but anyone knows that divorced people will have too many CC opened in their name right after the divorce, and I do n't know about another group of people that is going to have a lot of CC opened in a short period of time. So, yes, this policy is discriminating. There could be better parameters used to avoid such a discrimination and still provide Chase with " credit safe '' customers. If I was approved for refinancing my house twice during the past 2 years, I do n't think getting a CC should be an issue, I did n't ask for a particular credit limit or credit transfer, which I never use. So being denied really feels like a discrimination.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (WI)

I enrolled and attended XXXX semester of on-line schooling through XXXX to receive my XXXX. I currently owe over {$3300.00} in school loan debt for services that I did not receive, but also I NEVER received my degree! When we started our XXXX semester, I struggled in finance and was falling behind on my assignments. I scheduled a meeting with a teacher at the XXXX XXXX location in XXXX, WI to try and improve my understanding of this course. After four hours of waiting, the teacher still " never '' showed. It was after this experience, combined with the many struggles with unsupported staff that I did not feel I should pay anything more for a failing educational support system. I expressed this to the campus board and to the on-line contact representatives. I wanted to make something of my life and improve my education and status in life ... .instead, I have another outrageous bill with nothing to show for it and felt there was nothing I could do ... .I just want to be heard and to know if there is any hope of filing a Class A Suit against XXXX or become another individual to enroll in the " mentioned '' Class A Suit that is being filed against them.
Consumer complaint received 2017-08-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial (MI)

On XXXX XXXX of XXXX I took out a {$800.00} loan from XXXX. In the past I have always paid these loans pack in 1-2 payments, so I never understood how the long-term payoff process went. I started making payments of roughly {$140.00} every other week and had been paying this for all of XXXX, XXXX and into XXXX. On XXXX XXXX I e-mailed XXXX after realizing the principle balance on the loan had not gone down. After doing research I found out that XXXX is not licensed and does not have to abide by state/federal interest guidelines, and that the interest on my loan was at least 400 %, if not more. They claim to be licensed by their tribe in North Dakota. I asked to be able to pay off the remaining balance of the loan principle ( {$93.00} ). They refused. I have requested this multiple times since XXXX, they still refuse. They have blocked my account online so the only information I get about the status of my loan is from one loan officer named XXXX XXXX He is now refusing to answer my e-mails regarding the situation and stated he will not e-mail me further regarding a resolution. Any report to my credit or other agencies will be disputed under the fact that tribal law and regulation is " being upheld '' off of tribal land through manipulation, etc.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Chase, XXXX - raised more questions it appears dual process took place between WAMU and XXXX during the XXXX transfer to Chase. My attorney has no record of Chase as servicer. 
I am providing documents of ERRORS as requested Continuous Errors and mistakes - until present discovery Chase you asked for documents to provide more clarity of errors, mistakes by XXXX - attached please explain the documents or errors and my rights to redeem due to errors and mistakes- which documents are considered VOIDABLE and or VOID