davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

Dear XXXX, I am XXXX XXXX. I opened a Citigold checking account ( XXXX ) with an offer stating I would receive XXXX XXXX XXXX XXXX ( worth approx. {$500.00} ) after meeting certain criteria ( PROMOTION CODE : XXXX ). I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX miles to be deposited into my account by the end of XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 6 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 6 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX of people are in the same situation as me. I 've done XXXX searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for. 

Thanks XXXX
Consumer complaint received 2022-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NJ)

J.P. Morgan Chase Bank decided that I was a security risk and locked out all my accounts. No explanation was provided. I am a long-time Chase customer ( XXXX years ) and a " Chase Private Client, '' for whatever that is worth. 

No explanation was provided. No fraudulent transaction was flagged. Yet, two days before the beginning of the new month, on XX/XX/XXXX, Chase decided to lock me out of my own accounts. That same day, Chase informed me that they made the decision not to continue to do business with me. I asked for reconsideration and have received no response. I have asked to close my accounts and be provided with cashier 's checks for all of my accounts ( I have both personal and business accounts at Chase ), but was denied. 

While XXXX XXXX XXXX, of the Chase Global Security Team, advised me via email to go to a branch and close out my account to get my funds, the local branch in XXXX, New Jersey refused to do so. 

I have emailed multiple times, attached to this complaint. 

Chase 's restriction on my account has caused far-reaching damage to myself and my businesses. I can not receive rent from tenants, pay bills and other obligations, or transact business.
Consumer complaint received 2017-02-15
Product: Credit card — 
Issue: Other — 
Company: Synovus Bank (TX)

I applied for this credit card that i had to pay the credit limit of {$300.00} Dollars and the company where very rude and hung up in my face each time i called so i called to inform them i wanted to close my account. The guy who i spoke with would not give me his name and would not close the account and send me back my remaining balance. Months later due to them not closing the account when i requested late fee 's were added to the account and ended up having me owing {$120.00} Dollars for fee 's i did not create.
Consumer complaint received 2015-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (NY)

Hudson City Savings Bank delayed or colluded to delay our conventional mortgage application to force an increased rate - the very highest in the nation currently - even though applicants/buyers are of the highest credit standing, for a total cost increase of more than {$55000.00}! 
We applied for a conventional mortgage in XXXX, finalized in XXXX but a closing date was not set until XXXX XXXX. There are no credit issues with the buyer or issues with the property. Buyers have excellent credit and full financial resources to meet any bank requirement. The loan was placed through a mortgage broker, XXXX, since he helped provide pre approval rather than our bank, XXXX whom we have an excellent relationship with. All papers were submitted to Hudson City by XXXX XXXX. Clear to close was not given until XXXX XXXX. 
Upon speaking with a XXXX at the closing office I was told it was my own fault because there is a clause in the mortgage contract, separate from the mortgage contingency, that provides for the sellers to have three weeks AFTER clear to close so they can move. XXXX at Hudson City said she discussed this clause at length with our attorney and that it is our own fault for signing the contract. The deal of four business days will cost us {$26000.00}. Hudson city, had full knowledge and deliberately delayed as is evidenced by their representative 's remarks about our signing the contract. Such behavior is disputable and unacceptable. We are consumers and trust the bank we apply to be honest and forthright with us. We also hire an attorney to protect our rights. Neither has occurred thus far. 
Closing is set for XXXX/XXXX/2015 with the rate lock running out on XXXX/XXXX/2015 allowing Hudson City to charge a higher than industry standard rate by a full half percent - or more than {$55000.00} over the life of the loan.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

I reported XXXX XXXX for XXXX but wanted to change the charge or the full XXXX XXXX. I have attempted to contact Citi but I can never and I mean never get ahold of them. They even went as far as to block me from writing to them on account portal. I want justice and to provide any docs that are needed for my behalf. I do not understand why I can get ahold of any of my other banks but it is a nightmare to get a hold of them. I was even on the phone for another hour on hold to get to the dispute team. Customer service always says to just wait or call again. This does not solve anything and I am a client and demand to talk to someone who can help. Citi is build very XXXX. They do not answer their emails, they do not call me back on my requests for call back. How do they expect me to get them the information they require when they do not respond to me?
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (WA)

Macy 's Credit Card sent out a letter stating that they where changing there credit card agreement. I did not fine the new terms acceptable. I requested they close the account and send me a letter that the account was closed and they had removed me from there database. I recieved a letter stating that the account was closed. There was no wording in the letter that stated my information was removed from the database. I called the Customer Service number ( XXXX ) XXXX and spoke to a representative. 
I spoke to XXXX from the XXXX AZ call center with ID # XXXX and explained that I wanted my social security number removed from there database in case of a data breach or if they where unable to do that a letter stating that they would be responsible for any issues of a data breach due to hacking of there system. XXXX quoted " I am not at liberty to send that letter and unable to remove your social security number from the database ''. 
The transactions are handle by XXXX XXXX but the financial institution which issues and administered is XXXX.
Consumer complaint received 2016-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a Citigold Checking account with promotional code XXXX, which awarded XXXX XXXX XXXX miles for making XXXX bill payments in consecutive months and making {$1000.00} in purchases using the corresponding debit card ( XXXX within 60 days of account opening ). After completing the requirements, I confirmed with Citi Online Chat Representative " XXXX '' on XXXX/XXXX/2016, who informed me that I had met the requirements on my account. XXXX stated that the miles would post within 90 days from the end of the statement period in which the requirements were completed. These were completed in XXXX, meaning the miles should have posted by XXXX/XXXX/2016. After not receiving the miles as of XXXX/XXXX/2016, I inquired of the status via another Online Chat. Citi Representative " XXXX '' said they would launch an internal research investigation. This investigation took an absurd 24 days to complete ( on XXXX/XXXX/2016 ). The results of their research claimed that I did not make the required debit card purchases within the necessary timeframe. Not only is this incorrect ( I re-reviewed my account activity and confirmed that I made over {$1000.00} in debit card purchases well within 60 days of account opening ), but this is also contradictory to what the Citi Representative said to me on XXXX/XXXX/2016 when they confirmed I completed all eligibility requirements. Furthermore, when I gave them XXXX last chance to make good on this promotion by responding and confirming on XXXX/XXXX/2016 that I made the required debit card purchases, rather than awarding me the miles, they said they would open another investigation ... which will likely take another ridiculous amount of time. Citi is either lying and/or hoping I do n't have the records to prove I completed these eligibility requirements and am entitled this bonus. I completed all terms of the promotion and they confirmed this to me, yet they delay and delay and delay. I can only think that they hope I simply forget about this and let it go, but these practices are dishonest and extremely disappointing.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Karma (MI)

I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX  lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent
Consumer complaint received 2017-04-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (GA)

Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (NH)

I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

I signed up with an online binary options broker ( XXXX ) located overseas and deposited {$250.00}. Then I learned that the CFTC and the SEC prohibit foreign options brokers from accepting, targeting and marketing to Americans because of the high rate of fraud. I have experienced great difficulty with this broker : altered trading clocks, frozen login, non responsive emails. Just like the CFTC describes in its website. I opened a dispute with Citi Bank credit cards but they denied even though I submitted ample evidence. They took the broker 's response at face value and ignored the fact that XXXX and XXXX are approving transactions involving illegal merchants, which I was unaware of.
Consumer complaint received 2016-12-05
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.
Consumer complaint received 2016-11-09
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TN)

My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.
Consumer complaint received 2016-01-23
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Se c. 605, 609, and 623.  On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information fro m Original Creditor and   XXXX ,  XXXX , Experain, with is in violation of the law ... ..
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.
Consumer complaint received 2016-07-28
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citi Bank credit card dispute department reversed a conditional credit TWICE by mistake. I called at least 5 times and spoke to different Citi customer service reps, but nobody had made any corrections. 

Original purchase date : XXXX/XXXX/16. Merchant : XXXX 
I returned the item in XXXX, but merchant did not issue credit in a timely manner. I called Citi master card and citi master card gave a conditional credit on XXXX/XXXX/16. 

The merchant subsequently gave a credit on XXXX/XXXX/16. 

Then Citi reversed the conditional credit TWICE on XXXX/XXXX/16 ( posted to XXXX/XXXX/16 ) thus caused me out of money for {$50.00}. 
I called on XXXX/XXXX/16 and spoke to Citi service rep XXXX ( ID # Sdk XXXX ) and XXXX understood the issue but she was NOT able to find anyone from dispute team to make correction. 

On XXXX/XXXX/16, I talked with dispute team member XXXX online, XXXX also understood the issue and apologized for Citi 's mistake, but he had limited access thus he was also not able to submit a credit. 

On XXXX/XXXX/16, I called dispute team and spoke to dispute team manager XXXX, XXXX also admitted it is Citi master card 's mistake in taking away the {$50.00} conditional credit twice on XXXX/XXXX/16. However, XXXX also told me she had no authority to give a credit, and she had to forward this issue to Citi investigation team to handle. 

I spent 40 minutes to speak to each Citi customer service rep and chatted online at least 4 times but I had been transferred from agent to agent as if they are kicking me as ball, all agents admit Citi 's mistake but nobody is able to make a correction of the error. I need this issue to be addressed immediately!!!