davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  XXXX
Consumer complaint received 2017-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only ha ve one nu mber that is legit and that is  XXXX   XXXX
Consumer complaint received 2016-06-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX XXXX, I received a flyer in the mail from Citibank that offered me a promotion to open a Citibank CitiGold checking account. The bonus offered XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account alongside with spending {$1000.00} on the debit card. 

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

On XXXX XXXX, XXXX, I Confirmed with Citi that I fulfilled all terms of the offer and that I should be receiving the bonus no later than my XXXX XXXX statement cycle. 

After reviewing my XXXX XXXX statement cycle, I did not receive my bonus points as promised. I contacted Citi on XXXX XXXX, XXXX and they said that an internal investigation was opened on my behalf. 

On XXXX XXXX, XXXX, Citi 's investigation team informed me that my bonus was denied for the following reason : " This promotion was not offered in conjunction with the opening of your account '' I called Citi on XXXX XXXX to appeal the denial, citing written confirmation from Citi that states : - The promotional offer is attached to my account and ; - I qualified for the promotion and ; - I met all requirements to receive my bonus. 

In the call on XXXX XXXX, they state that they will re-open the investigation and that I should receive the results in 2-3 business days. 

Its XXXX XXXX now and the case is still pending. 

It really looks like Citi is trying to pull a bait and switch on me. It 's been two months since the promised bonus and I have not received anything.
Consumer complaint received 2017-03-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (DE)

In XX/XX/2005 I opened a second mortgage with CitiMortgage. The monthly payment was XXXX for a 20 year term. The interest is 7.89 %, which I considered high but figured I could refinance to a lower rate once the home renovations were completed. As the years advanced, I ran right into the housing crisis and the housing values dropped in my neighborhood. As I paid down the second mortgage I on numerous occasions attempted to do a refinance with citmortgage and other institutions. I kept running into the issue that in order to do a cash out refinance to pay off the second, I could not borrow more than the 75 % equity to pay off both first and second mortgage. When I contact citi about lowering my second, they stated that all the programs that they had were for first mortgages, not seconds. This has left me since the inception of the loan making over 135 payments of XXXX, totaling {$78000.00} on a loan with a originating balance of {$70000.00}. I fell that if I had been able to refinance this loan at 5.25 %, that would be a savings of 2.64 %. This equates to approximately {$1800.00} a year in lower apr. Amortizing over 12 years, this is over {$20000.00} dollars in finance costs due to my inability to refinance this loan due to the drop in house values. I am asking in light of my consistent payments over 12 years, and the inflated, non market rate apr of 7.89 % that CitiMortgage write down my remaining balance of {$42000.00} by the {$20000.00} in overage in the last 12 years. By doing this and lowering the second to a market rate of 5.25 %, this would allow me to continue to be able to service this debt. I truly feel that all the programs that existed out during the recession only targeted the primary mortgages, and I suffered a much higher interest rate with no other recourse.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citi bank checking account in XX/XX/XXXX during a {$400.00} promotion offer. 
The terms for the offer were " Get a {$400.00} bonus when you open a new Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I have made the deposit and met all the terms. On XX/XX/XXXX after inquiring with Citi, I received a letter that the bonus will be processed and credited. However, to date I have not received any bonus on my account.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

Ok, twice I got time out ... very upset ... your system does not offer to save a partially finished file ; I suggest you do this immediately ... 

I am blocked from a new account at US bank, XXXX XXXX, and XXXX XXXX both in XXXX XXXX, Ca ; the first at XXXX on XXXX XXXX, and the other 2 blocks down XXXX XXXX. 

They lied and said they could not pull up my account ; they refused to let me withdraw ; or show me the screen. 

I have 24 accounts under XXXX ; and several relatives that are XXXX ; XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, ; there are other names for XXXX   relatives ; in all $ XXXX ; so I need the branch to order XXXX certificates asap ; I am willing to sign a release for DMV, DOL, plus I had an old mrtg loan in XXXX to verify my signature. 

I showed my id, and tried to get them to help me, and I believe they are committing these crimes ; identity theft, with fake id, tax evasion, racketeering, and XXXX, XXXX from XXXX to be deported ; and in the other branch ; XXXX from XXXX, and other XXXX XXXX back on the boat to XXXX!!! Deportation, Work Violations with immigration!
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

XXXX   2016  i filled a dispute against ERC  XXXX   XXXX   XXXX  in the amount of {$340.00} and on  XXXX   XXXX     2016  it was removed from credit reports all  XXXX  credit agency 's and now reported again as a new collection i had no warning no letter i received an email from my monitoring service that was added once again ... same amount from ERC i have filed another dispute with agencies and they said they nothing i can do ... how can they remove it and reopen it ... ..       thank you  XXXX   XXXX
Consumer complaint received 2023-02-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (GA)

I Applied for mortgage with Citi with a closing date on a new home being built by XXXX XXXX. Citi did n't schedule final inspection properly and resulted in my closing date being delayed by 4 business days. Per Citi, ( taken from Citi webpage ) " On-Time Closing Guarantee - We 'll close on time or give you {$1500.00}! '' with the following restrictions - XXXX " If you are purchasing a home, we guarantee to close by the date specified in your purchase contract, unless prohibited by federal law, * and further provided that the date is at least 30 days after the application date and the date of your purchase contract. If your loan fails to close on time due to a delay by Citibank, you will receive a credit toward closing costs of {$1500.00}. Offer not available for refinance loans, co-ops, unapproved condos, residences under construction, community lending programs and government loans. In Texas, the credit may not result in your receiving cash back. ( *Federal law requires certain disclosures be delivered to the borrower at least 3 business days before consummation. The Guarantee to close does not apply if such disclosures are required and your closing is delayed due to the 3-business-day waiting period. ) '' Loan Application was formally made XX/XX/XXXX, giving approximately 60 days until scheduled closing. 

Home construction was finished Approximately XXXX XXXX, XXXX and I had the final inspection/walkthrough with the builder shortly after. The final inspection scheduled with citi was scheduled with loan officer for XXXX XXXX, XXXX. Due to Citi scheduling issues, the inspection was rescheduled for XXXX XXXX and finally took place on XXXX XXXX, XXXX. 

Citi did not honor on-time closing guarantee stating that house was under construction at time of application. While this is true, that condition is not explicitly stated in Citi 's terms and restrictions. The house was NOT under construction when Citi encountered a scheduling error ( holidays maybe? ) and there for should still be eligible for the on-time closing guarentee per the verbage of Citi 's Terms and Restrictions as they apply to the 'on-time closing guarentee ' The fault for a late closing rests solely with Citi and was in no way influenced by the actions, or lack there of, of myself or the home builder.
Consumer complaint received 2017-02-13
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CITIBANK, N.A. (PA)

on XXXX, XXXX, Citi Bank sent me a {$10000.00} credit limt with a 0 % interest until XXXX. I used XXXX of the checks to pay off credit cards. I got messages from credit card payments that they bounced I called CITI Bank and was transferred through the ranks until I spoke to a underwriter. He assured me that it had to go through one more underwriter but he was almost certain they would reinstate their offer. Next day email told me I was not approved for the original amount. This decision was made after my checks were mailed. I believe the bank was unethical and did an illegal thing to their customer. I have mailed them a letter by priority mail complaining abouttheir business tactics. I have not heard from them and I want to follow throuogh wkith sueing them for the amount thart was offered.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MD)

I have independently resolved my issue with my Macy 's XXXX card, and since closed my account, but wish to document with the CFPB and I ask that you pursue with Macy 's as a complaint about this business practice. 
It appears that Macy 's charges an additional {$2.00} " minimum interest fee '' every month, even if you are receiving a bill for the first time for items you have purchased. Not clear, even from reading " the fine print '', what this fee is. 
We discovered this when we were trying to resolve past due payments for which we had never received a bill, neither online nor hardcopy ( though online is our stated preferred method ). Seems to me that this is a fee easily overlooked by Macy 's customers and therefore a clever way ( in my opinion ) for Macy 's to cover the cost of credit card shopping. I certainly agree that people should review their bills every month, but I am betting most people do n't. 
I never got an argument from Macy 's when I disputed this fee, which raises my level of suspicion even more. in fact, once I resolved the overdue payments, made the final payment, and closed the account, I got a bill in early XXXX with a {$0.00} balance AND ANOTHER {$2.00} MINIMUM INTEREST FEE CHARGE!!!!!! 
If you need more specific information, please contact me.
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (PA)

I recently filed a dispute with Netspend regarding unauthorized charges of {$8000.00} on my account. Despite providing documentation to support my claim, Netspend has determined that they will not be returning the disputed funds to me. I believe that Netspend has not thoroughly investigated my case and is not following the law, which requires them to provide provisional credit while the dispute is being resolved. I am seeking recourse through the CFPB because I believe that Netspend 's actions are unfair and illegal. ''
Consumer complaint received 2016-08-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (PA)

In XXXX I got divorced. A quick claim deed was signed as well as in the divorce decree it states that the rights to the property were given solely to me. Since then i have had XXXX loan modifications done with my information only, and each time Citimortgage refuses to remove my exes name from the mortgage. They say they are not allowed to even though there is no law saying they must retain her name. I have sent them a letter requesting the information under which they make this decision but do n't know the outcome of that. The first loan mod was done in XXXX after Citi said no partial payments were accepted in catching up payments that i fell behind in XXXX for hospitalization. I found that to be wrong 7 months after the occurrence. and they never once included in any discussion my exes name or even if she had to sign or participate. after the trial payments and the paperwork was returned and then they said they never received the paperwork or the check, which i had those involved prove to them the info was received on time and by whom. I then get the news that my ex had to sign. Later they without writing increased my amount to more than i could handle at that time. So XXXX XXXX I put the house on the short sale market. after XXXX bids were rejected i find out just in XXXX that a retention had to be done by FHA requirements. Finding out that it was supposed to be done before any short sale according to FHA. so a few weeks ago i submitted the paperwork not expecting anything and now they approved another loan mod. This is the 2nd XXXX i referenced. Again they said no info was required for my ex or any paperwork needed from her. But after talking to citi I would like to stay and i can make the payments and i accept the loan offer, they still will not remove her name and that is the problem. I can not stay in my home if her name is not released. She wants no part of this. This is a brief run down of the occurrences that happened. It is more complicated than that but the name removal is now priority. If her name is not removed from the mortgage the property will be up for short sale again. I see no reason after having been approved for XXXX loan mods now that her name should remain on the mortgage.
Consumer complaint received 2023-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (NJ)

In XXXX someone stole my credentials and used it to make a purchase. There was no proof it was mines and it became identity theft and it was charged off. Now a debt buyer is trying to collect {$2000.00} on a {$1500.00} lease according to the email letter that I received from the debt collector. The email didnt have the creditors letterhead but an email from another source. It also said purchased in XX/XX/XXXX, thats seven years ago, but the debt collector said I purchased in XX/XX/XXXX which states on my credit report. Not only the statute of limitations has ran out the debt collector lied and said I purchase it in XXXX without a contract stating I promised to pay that amount in XX/XX/XXXX. Its now XX/XX/XXXX, This is a fraudulent statement from the debt buyer and the credit bureau accepted it without proof of purchase.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WV)

We 've had an accounts with Citi Bank since XX/XX/1978 and have always paid our bills on time and in full. They refuse to lower our APR, despite us having a high XXXX score. They advertise much lower APRs than we were offered. We have a comparable card with XXXX that we have the lowest APR on offer. Citi 's advertising is misleading.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

I successfully completed a 60 months Chapter XXXX Bankruptcy. I filed my case on XXXX/XXXX/XXXX in the XXXX. of Ohio as case Number : XXXX. I received a discharge on XXXX/XXXX/XXXX and my case was closed on XXXX/XXXX/XXXX. The bankruptcy trustee paid my mortgage through the Plan. The Court issued an order on XXXX/XXXX/XXXX finding that all pre-petition arrearage had been cured and that all post-petition payments had been timely made and that the bank should adjust its balance pursuant to the original amortization schedule of the loan. I have timely made each of the payments on the mortgage loan since the end of my bankruptcy. I ordered a complete account history from Citifinancial XXXX. and from the Chapter XXXX Bankruptcy Trustee and gave those records to a certified public accountant. The accountant prepared an official report and came to the conclusion that I owe only {$56000.00}. Citifinancial says that I owe them in excess of {$120000.00} ( though the figure frequently changes XXXX. No one at Citifinancial, XXXX will talk to me and I just get bounced around from customer service to the bankruptcy department and then back to customer service and then back to the bankruptcy department.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

My debit card account was illegally accessed. Among the items fraudulently charged were items that the criminal charged on XXXX XXXX, 2016 at XXXX inthe amount of {$640.00} and had shipped to XXXX, New York ( I do not live in XXXX, New York ). Citibank at first after I discovered and reported the unlawful charges credited my account the {$640.00} ( there were a number of unlawful other charges that were also credited ). Then, over two months later on XXXX XXXX, 2016, Citibank took the money back. So much time had passed that I did not know what the charge was even for. I called Citibank and over the next two days spent over four hours on the telephone with differennt representatives, but they were unable to explain why this charge was present. Finally I thought to call XXXX customer service. They were also perplexed because they had internally concluded that the charge was in fact fraudulent. XXXX and I called Citibank. With this additional information Citibank could not explain why it had chosen to reverse the charge. XXXX offered to provide a statement in writing agreed to acknowledge its conclusion that the charge was fraudulent. Citibank then agreed to repoen the investigation. But my account was not credited. A few days later I called Citibank to ask for an update and - after a great deal of time because once again no one seemed to be able to access the notes regarding the events noted above - Citibank said that it would not reopen the investigation to accept XXXX information and statement and that I would have to file an appeal. I said that ( 1 ) Citibank has ALREADY AGREED TO REOPEN THE INVESTIGATION, so I should not have to appeal and ( 2 ) it was clear that Citibank had already failed to conduct any valid investigation of the facts ( based on their inability to expllain what investigation took place ) so Citibank should do so first conduct a proper investigation before forcing a customer to appeal. At that point Citibank stated that it would be no further help to me and I realized that ( 1 ) I needed to come here to get my money properly refunded and ( 2 ) Citibank needed to have its system reviewed to ensure that it was providing its customers fair and due process.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MD)

IN BRIEF : Can a Credit card company issue you an UNSOLICITED credit card and begin issuing you bills? 
A few years ago I joined XXXX. At that time they issued me a XXXX credit card. In late XX/XX/XXXX I received my last XXXX bill of {$82.00}, which I paid on XXXX ( XXXX. # 5663 ). 
Throughout most of XX/XX/XXXX I received all sorts of mail offers for a Citibank/Costco credit card, which I did NOT respond to. Late in that year I received an UNSOLICITED " XXXX Anywhere XXXX Card by CITI, '' WHICH I DESTROYED. Late in XX/XX/XXXX I began being harassed by daily phone calls -- which continue to this day. 
In XX/XX/XXXX I SPOKE WITH A CITIBANK REPRESENTATIVE ( at XXXX ) AND MADE CLEAR THAT I DID NOT WANT THEIR CREDIT CARD as my ( non ) actions of the preceding months indicated. At that time the agent I spoke with connected me with XXXX ( at XXXX XXXX so I could cancel my membership with XXXX. 
Below is a summary of the bills I have received ( and not paid ) for a bogus credit card. 
Due date : XX/XX/XXXX for {$80.00} ( includes late fee of {$25.00} late fee ) Due date XX/XX/XXXX for {$110.00} ( includes {$37.00} late fee ) Due date XX/XX/XXXX for {$100.00} ( includes {$37.00} late fee ) IF THIS HAPPENDED TO ME THERE MUST BE MANY OTHERS SIMILARLY SCAMMED.