davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX miles when completing requirements of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying their requirements, which I fulfilled on XXXX/XXXX/16, the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as completing the requirements however now they are refusing to give me the miles.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NY)

Ordered XXXX for XXXX for my step son. On XX/XX/2016 it said it was Delivered and left at door. Package was not delivered .contacted Best Buy immediately and asked if they could ship to Best Buy in XXXX. Which they did but they messed up and put my name and required signature. Best byybtroed to deliver two times but could n't because it was my name but the store address. Product was then supposedly delivered XXXX XXXX in XXXX ny on XXXX for pick up. Went to pick up time which was no longer at XXXX and lost. XXXX had me have Best Buy call XXXX so I could receive repayment. I was online with bestbuy when they contacted XXXX I waS told i would receive refund. Called back few days later and they had no records of any of my calls and refused to repay me. I got so mad I cancelled my Best Buy card. I than tried To call again next day lady seemed nice and understood package was lost. Since I had closed my credit card I was told they were issuing me a check that day for my refund. Now over a week later I call today they have no records of any of my calls. 'refused to give me a refund, even asked them to then overnight ship me the product i originally ordered and was told they could n't do that as well because it is out of stock. So now I paid for item I never received and refuse to pay my bill if this is is how they are going to treat a customers who spends XXXX a month in the store and never been late on payment. I also contacted XXXX today nntneh have record no f Best Buy calllong them n them notifying them package was lost and I was due a refund. Inneed help. I work hard on my credit but this is it fair
Consumer complaint received 2015-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I had several checking/saving accounts with citibank, the fees for these accounts were waived since I also had a Citibank mortgage. Citibank changed this policy and started charging fees to my account. I received no notice of this change, there is no mention of this policy change on my recent statements or online in my account.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (IL)

I got my CITI XXXX XXXX XXXX in XXXX. Once I got the card, I set up my autopay immediately. 
However, on XX/XX/XXXX, I found I was charged for late payment and interest on XX/XX/XXXX. So I logged in my CITI account immediately and found the autopay had n't set up successfully. So I passed my first bill due, which was XX/XX/XXXX. 
But I think, in this case, CITI 's poor management played a very important role. So I am writing to request CITI to refund my interests and late payment fee, which in total was about {$90.00}. My reasons are as follows : 1. I tried to set up my autopay once I received my card, but for some unknown reasons, I did n't set up successfully. However, there was no notification from CITI informing me of my unsuccessful autopay setup. 
2. I did n't receive any notification from CITI warning me that the bill due was approaching or I did n't pay my bill. I think it is CITI 's responsibility to inform its customer of the payment status. But I checked my emails, my messages, and even my voicemails, there was no one was from CITI. If CITI had warned me, I would have paid my bill on time. I have an excellent credit score, I wo n't owe any money to the bank. 
Therefore, I believe in this case CITI failed to fulfil its obligation, resulting in letting me make a loss. So I am writing to file the complaint and I hope anyone from CITI would contact me in the future and give my money back. 
Thanks.
Consumer complaint received 2016-03-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I opened a Citigold checking account with Citibank on XX/XX/2015. The account came with an opening promo : XXXX American miles to be awarded within 90 days after I completed the requirements for the promotion. The promo code was XXXX. I completed the requirements for the promo on XXXX, which was confirmed in writing by XXXX separate Citi customer service reps. Well over 90 days has passed, and I have not received my promotion award. I called Citi and simply got shuttled around within their help system
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

For spending {$4300.00} on appliances with a new best buy credit card I earned {$430.00} in rewards. Best buy has sent increments with different expiration dates sporadically, totaling {$330.00}. Now they claim they have no records of the remaining {$100.00} balance. I would have to provide a invoice of the purchase dating back to XXXX XXXX 2015. I have moved since and everything is packed in a box under storage. Best buy is trying all efforts to not pay me what is owed.
Consumer complaint received 2016-06-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

Hello, XX/XX/2015 I signed up for the Citi Gold checking account to receive XXXX miles though XXXX. The requirments were, Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/15. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank XXXX XXXX which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
I met all the requirement and Citi confirmed I would receive my XXXX points by XXXX. I have tried contacting Citi several times about this issue with no feedback or resolution. I am also being charged {$30.00} a month for my checking account to stay open.
Consumer complaint received 2017-02-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.
Consumer complaint received 2017-02-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association (NY)

I am filing this complaint because I was in a accident while I was atleast XXXX XXXX or XXXX years old. Which a lawsuit was won against New York XXXX XXXX XXXX to be held in a ( CD ) Certificate of deposit account. Which this account was to be guarded by the New York Community bank upon the age I reach XXXX for {$8300.00} dollars that should have matured several times and also accumulated interest and I demand all the matured funds and at the highest amount of interest should be placed back in this account upon me recieving my funds. Well I turned XXXX and it was time to go and retrieve the money that is rightfully mines so I went about getting all of my legal documents to retrieve the money from the bank. I live with my Uncle who assists me with this matter and I give him all legal permission to communicate with all parties involved. Which who I took the trip with to Queens County Savings Bank to retrieve the money which was awarded to me. Now upon the arrival of me reaching the bank and speaking with a Financial Service Associate XXXX XXXX and XXXX XXXX the bank manager of the bank which informed us that the money was put in a Abandoned Property Account in 2011. Now according to the stipulations of the court official order which was handed down by the Judge who handled my case. I have been following and going by the right actions to get this matter handled as quickly as possible because for the simple fact I should not be punished from retrieving this money that is rightfully mines for this banks XXXX mistake while breaking the law and i am truly fed up with this matter. They are also very unprofessional at New York Community bank for not returning phone calls and was put on hold for no-one to return to the phone. I was also informed to call XXXX XXXX from the Abandoned Property Division of New York Community Bank which also never answered my phone calls and never returned my phone calls either. Just take note that I will also be filing a complaint to the Better Business Bureau and I also demand that this matter be resolved as soon as possible.
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Benuck & Rainey, Inc. (MA)

I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...
Consumer complaint received 2016-12-31
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: First Data Corporation (CA)

Almost {$600.00} of my financial aid was taken from someone in a foreign country and the bank keeps telling me they will send me a dispute form to fill out but I never received it. They then told me to fax them but claim that they never received it. It 's been over two weeks and I have n't gotten an update or anything.
Consumer complaint received 2015-10-31
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: KEYCORP (NY)

On XXXX/XXXX/15 I placed an order for swiss army knives from XXXX The items were in stock. The company contacted me for payment by wire transfer. On XXXX/XXXX/15, I completed wire transfer of {$210.00} EUR ( {$250.00} USD ) from my XXXX. The company then contacted me to say the order was cancelled and items were not available. When I go on to my account at their website, it says on XXXX/XXXX/15 money received and paid back. I have not received money & after numerous emails I still only get automated response saying they received my request & will get back to me. I also wrote XXXX in XXXX but I know they speak XXXX.
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (MD)

Fed Loan Servicing Account # XXXX Friday, XX/XX/2020 They sent a bad credit report after I had spoken to them and told them that I couldn't make any payments until I get my job back ( I was XXXX XXXX   due to the Covid 19 Pandemic ). 
There shouldn't be any bad credit reporting.
Consumer complaint received 2015-05-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

I am just an authorized user on my ex-husband 's credit card. They will not remove me, and they will not change the email address on the account so I can continue to get emails about this credit card that I 'm not responsible for. Which makes no sense because I have no vested interest in making the payments, so they need to change it to his email
Consumer complaint received 2016-06-29
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Nationwide Doc Prep Inc (VA)

I contacted Nationwide Doc Prep to get help with my student loans and they gave me false information, wanted my personal information, which I gave them, wanted to be paid up front without the promise of any written details, and told me I qualify for public service loan forgiveness even though I only drill once a month and am not employed full-time in public service. Their number is XXXX. I spoke to XXXX at ext XXXX.
Consumer complaint received 2016-02-02
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: MB FINANCIAL, INC. (GA)

I had my closing on Thursday, XXXX XXXX 2016, and I received my paperwork beforehand and was quoted to receive {$680.00} at closing. We I went to closing the lawyer gave me a check and I did n't look at it during that time. We I looked at the check it was for {$620.00} and I thought maybe the financial bank made the mistake, then when I received the same paperwork in the mail I came to the realization that the lawyer gave me less money than I was suppose to receive. My closing attorney XXXX and this is where the check came from.
Consumer complaint received 2017-02-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

I am not responsible for this bill. This bill is from XXXX and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.
Consumer complaint received 2016-01-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Conn's, Inc. (TX)

My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures
Consumer complaint received 2015-08-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KY)

My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.
Consumer complaint received 2015-10-04
Product: Credit card — 
Issue: Credit determination — 
Company: BARCLAYS BANK DELAWARE (CA)

I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (NY)

I received a phone call at XXXX from XXXX at XXXX XXXX regarding my dispute with XXXX XXXX XXXX for {$2900.00}. He stated that due to my signing a XXXX XXXX with XXXX XXXX XXXX in which they were supposed to reimburse me {$2900.00} via certified which I never received they could not help me. Please be advised I did not receive the monies specified. Which has brought me to this point. My credit card company states they will not refund my money, I actually sent them documented proof that I did not receive the checks. In their responses they provided a contract which I admitted to signing and checks that have never been cashed, which proves nothing. Please advise my credit card company under the Federal Truth in Lending Act ( TILA ) and Regulation Z, I have ONE YEAR to file a non-billing error type dispute. Every other credit card and debit card holder has refunded my money. This is simply a claim of service not as described which can still be disputed. Please help me advise the credit card company they should open the investigation and issue a credit.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (GA)

On XXXX XXXX, XXXX my husband and I made concurrent purchases on our credit cards XXXX. We made these purchases on a 36 Month promotion plan, as long as these payments are made on time no interest is to be charged to the account. We have made all payments on time. To date my husbands account is charged {$22.00} per month interest. When I contact the bank ( synchrony bank @ XXXX ) they tell us to go to XXXX and talk to them and XXXX has to send them information in order to make this correction. We have been to XXXX 6 different times to no avail ... ... they will tell us the information has been sent to synchrony bank and it will be reflected in our next XXXX3 statements, and it never has been. XXXX however has never discredited the fact that this was purchased on a 36 month promotion and there should be XXXX interest charged to his account. They say they do n't understand why we are still paying interest on a 36 month promotion. When we contact synchrony bank they tell us they have not received this information and again they tell us to go back to XXXX. We as consumers feel it is time for this game to be over. I MADE XXXX LAST ATTEMT TO TRY AND RESOLVE THIS MATTER ON SATURDAY XXXX XXXX, XXXX. I contacted synchrony and spoke with XXXX a supervisor there explained the situation again even going to XXXX 6 times and XXXX said go back to XXXX they are not showing this is account on a promotion. I contacted XXXX by phone @ XXXX and spoke with XXXX ( that is the name I was given ) I explained everything else to her again and I was told someone would call me back ... .well no one ever did.We are tired of playing this game and are certainly not going to loose {$310.00} in bogus interest payments.
Consumer complaint received 2015-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ProCollect, Inc. (MD)

I found that I had a collection account on my credit report in XXXX of XX/XX/2014 The name of the original creditor is XXXX XXXX XXXX APARTMENTS. I called XXXX XXXX XXXX APARTMENTS when I discovered this collection account and was told that I did n't give them a 30 day notice. The company is now under a new management and the lady I spoke with ( XXXX ) said they do not have the documentation. I explained to her that I have a copy of my 30 day notice but she said I need to deal with the collection company ( PRO COLLECT ). I sent a letter to PRO Collect explain that I do not owe the debt and sent evidence showing that a 30 day notice was given and the debt is invalid but they responded with a letter stating that their client contends that the debt is valid with no explanation on how the debt is valid. I sent them another letter to validate the debt but they can not validate the debt. The credit bureaus are not helping. They just report what collection agency tells them without any validation. I need help dealing with this corrupt collection agency. They clearly know that I do not owe this debt but are trying to collect anyway. The lease ended on XXXX XXXX. XX/XX/2014 and I gave them a 30 day notice on the XXXX of XXXX XX/XX/2014. A staff member signed and made a copy for me. 
The XXXX is for {$1100.00}. 
{$600.00} for XXXX 's rent ( which makes no sense, since notice was given ). 
{$470.00} for Re-letting Fee ( 30 day notice was given. Makes no sense ). 
The rest {$72.00} is for utilities. I am not sure if I paid this but I do not mind paying the {$72.00} but the rest of the charge is bogus.