davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

XXXX claimed they sent service to my former address and there was no service to said address in the area at that time. I never received any products or services from XXXX, what so ever!!! Now a collection agency is blocking my credit with this unauthorized and incorrect charges of {$2600.00}, which I have been denying for several years to no avail. NOBODY RESPONDS. the charges are still on my credit reports and must be removed by Jefferson Capital Systems collection # XXXX
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A. (NV)

After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I signed up for a citigold account accepting a XXXX thank you points promotional offer that was sent to me. I applied early XXXX and was told that I needed to make a qualifying bill payment 2 months in a row to qualify. I called in early XXXX to confirm the promotion was on my account and that I met the qualifications. I asked when I should receive this, they stated by XXXX XXXX 2016. When I called on XXXX XXXX they said it was actually XXXX XXXX 2016 because it was 90 days after the statement closes of the month that I met the criteria. They said they saw the promotion attached and I needed to wait. Upon calling on XXXX XXXX, they said they had no record of a promotion and none were tied to my account. I submitted a citi investigation and they sent me a communication that I had no offer attached. This was the only reason I signed up.
Consumer complaint received 2015-10-29
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NJ)

A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NY)

I went to make a payment to my Citi sears MasterCard and made the wrong payment. When I realized what happened I reached out to the other billing company to get the money back to my account and they told me it would take five days. While waiting for the refund Citi cards called me 6 times with 4 hang ups between XX/XX/2016toXX/XX/2016. I spoke to a representative about the mistake that occurred and she wanted to knowwhen they could collect the debt. Then another representative called asking the same questions over again. I have never been late with a payment and feel that it is harassment when it has not even been 30 days past due.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (VT)

Trying not to use so much credit, No. 1, plus we moved too far away from any mall here in XXXX, Macy 's credit closed my card without any warning. It was my oldest card ( got it when they were XXXX in XXXX at XXXX ), so my credit score went down quite a bit. They would not reinstate it, and said it 's written in their policies! Yeah, who reads that XXXX? This is not so much a personal problem as I still have excellent credit, but this should not be allowed. These credit card companies/banks, continue to XXXX the consumer
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

on XXXX/XXXX/2016, I opened a citigold account with {$50000.00} deposit, referred by my neighbor, who was told by financial banker, XXXX XXXX, XXXX ID : XXXX, that at the end of 3 months, everyone will receive {$500.00} credit and {$300.00} referee credit, also {$100.00} referral credits if refer anyone on member to member referral program. However later to find out that the promotions are the scam because these XXXX promotions ca n't be combined and the branch personal banker XXXX XXXX gave us the wrong information when we opened the account. 
After waiting for 90 days, I requested the additional {$300.00} via security message center but I was told that the promotions could n't be combined. 
XXXX XXXX stated that he did n't know these XXXX promotions ca n't be combined at the time when the account was opened. It is unfair for the customers to bear the lost created by the bank staff. 
My friends who were under the same situation told me that they were able to receive the additional bonus after the complaint was submitted. I would like to be treated equally too.
Consumer complaint received 2020-10-06
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We have a commercial loan with Wells Fargo. Loan # XXXX with a maturity of over {$900000.00} on XX/XX/2020. We were told by Wells Fargo that they would not refi and they would not extend the loan under any circumstances. We secured financing and began requesting a payoff on XX/XX/2020. It is XX/XX/XXXX and there is no response. We have a person named XXXX XXXX who admits knows nothing about the process. She referred us to her leader, XXXX. XXXX said she would escalate but now does not answer her calls. When we last spoke to them last Friday XX/XX/XXXX they did not know who the Title Company and Escrow officer was which leads us to believe there is no payoff in the works. We are now in jeopardy of losing our financing.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I filed a complaint with you over a month ago concerning the excessive charges on my citi card # XXXX and received a satisfying answer from XXXX XXXX of the Executive Response Unit saying all interest, late charges and membership fees were credited back to my acct. A balance of {$21.00} remained. I called her over 6x, leaving mess- ages, asking her what the balance was for as I had paid in full all my charges on XXXX XXXX of {$23.00}. She never returned my calls. On Sunday XXXX XXXX I called Citi 4x the last call lasting 40 minutes. The balance was reduced to {$10.00} but they could not tell me what it was for. The last call the balance was reduced to {$4.00}, again they could not tell me why I am being being charged. It 's amazing that an agent ( XXXX ) and a supv could spend so much time on the phone for such a little amount but they refused to remove the charge, even though they can not tell me what it is for. Obviously I will never do business with Citi again. Please help again!!! This is so aggravating and frustrating.
Consumer complaint received 2017-03-21
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I closed my accounts, both checking and saving, with Citi on XX/XX/XXXX at a branch in XXXX, but was notified on XX/XX/XXXX that my saving account was still open and that there was some leftover fees. I believe this was a mistake which should have been handled properly on XX/XX/XXXX.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I took XXXX money orders in the bank I received and specifically ask the clerk to check them to see if they are good. she came back and yes and deposit the money Into my acct. And said that the money was available immediately. I took out XXXX then 4 days later they said XXXX money orders came back bad .I went to bank with XXXX to pay for all the MoneyOrders. even thou the last one still was n't back. The banker took the balance of the XXXX money orders and put the rest into my acct. Knowing that the last money order was coming back as well. The next day I called to inquire about the last money order and was told that it came back and it was clear. So I used the money in my acct. And XXXX days later they called and said that the last money order came back bad. I was threaten that if I did n't pay for money orders it would come out of my ssi that 's direct deposited I refused to pay the last of the money order so they turned me into check systems. but I was removed and beat that. I was n't aware that the money orders were part of a scam. So I was a victim and then the back lousey excuse for there failure is more then impossible to believe. It still haunts me today. I tried to do the right thing and the bank made it worse then the scammer. They tried to deny that the bank told me the last money order was clear. It was a lie because when I was over drawn for the XXXX money orders they blocked my atm card until I paid the balance they activated it again well that bite it did n't work so that 's when I called the bank to see why and that 's when they told me that last money order was cleared. And apparently it was n't according to there statement. But the atm alloys me to take XXXX extra from it. Does n't make any since the atm will not do that. They were holding on to this last m money order until I spent the money. It does n't make " since if there was XXXX money orders only XXXX came back. No way ... this is how I came to be aware of the debit credit that they all of a sudden made up. There is no such thing and everybody who has one is being ripped off. If you look on most banks web sites they donot say anyhing about a bedit credit card.only is it a credit card is when you ca n't put your pin no. In for a transaction. Who new this?? Who new that when you pay your Bill 's at home or online that they are n't being paid for maybe XXXX days. That your money comes out of the bank and made a iou slip until the merchant comes picked it up. In the mean time use your card as debit and you can use the money you had for Bill 's. Then you become overdrawn and the bank charges you a fee. Its ironic how America waant aware of banks doing this to your card. I knowv citibank and XXXX XXXX XXXX does n't even mention this type of card. it 's either a debit card or a atm card. Wake up America the banks are stealing your money and living on your bank fees..
Consumer complaint received 2016-02-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (AL)

I filed bankruptcy in XXXX XXXX. I often check my bankruptcy summary to make sure all payments are being applied. I recently noticed that Citimortgage placed an arrearage in my bankruptcy for the amount of XXXX. I called to check the situation and was told that I owe for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for which I have bank statements where I paid for the months mentioned above. I also received a statement that states I am to receive a surplus check in the amount of XXXX, that I will not receive because all my payments have not been met. As mentioned above, I have bank receipts for the months mentioned above with the exception of XX/XX/XXXX. I have corresponded with XXXX XXXX XXXX who has only responded to one of my emails.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (LA)

I contacted Citibank/Home Depot card service in XX/XX/XXXX regarding severe flooding, which was declared a federal disaster # XXXX, in XXXX. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, XXXX, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate and she stated no. I made payment in XX/XX/XXXX and contacted the office to make sure that the above was noted and taken care of. The rep, told me that the notes were there but I was billed a late fee and interest and no credits were issued. I requested a manager call back. I made my payments as requested from then until now as agreed. I later received a letter in the mail that my credit limit was being reduced to {$1700.00} from {$3000.00}. My balance is @ {$1400.00} which now takes my bal/credit limit ratio from XXXX % to XXXX % credit used which has tremendously dropped my XXXX credit score. I contacted the credit limit management dept and requested a manager. I was contacted 4 days later with apologies from XXXX XXXX stating they had been very busy. XXXX XXXX listened and advised that she understood but nothing she could do. I then requested her manager. She advised she would forward my request. Once again, I waited and just received a call back after 3 days from XXXX. XXXX advised the same as above. I requested her manager. She did get her manager, XXXX id : XXXX in XXXX, on line. XXXX very abruptly stated that everything I had been told was correct and no changes would be made even after I advised him of the notes in XX/XX/XXXX and asked if he would research the call. He refused and said the call could not be pulled and again stated that it does not matter what I was told or what was noted he would not honor the agreement. He further refused to address the confirmation from XXXX updates and that no other negative reporting/entries exist. This is not only unfair and dishonest business practices but is also very disheartening given the massive loss as well as the effort put in to avoid this very stressful situation. Citibank/Home Depot has used a federally declared natural disaster to betray its already disenfranchised customers by allowing insensitive, inhumane, and egotistical people who lack compassion to run its business. I am deeply saddened and wish that I no longer had to do any business with this company.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX, XXXX I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in XXXX, XXXX. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inquiry as to whether the interest rate would be affected due to the late payment. I was informed by the account specialist that the account was not showing an increase in the rate and that same would be showing on the account already if applied. Based on that statement I made no further inquiries as to any increases in the rate. According to the credit card reform act of XXXX, a credit card issuer must advise the consumer of any increase in interest in writing prior to adjusting same. I received no such correspondence advising me of such increase. Additionally, the Act states " if you are 60 days late on a credit card payment, then your issuer can raise your interest retroactively, but you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months ''. This opportunity was not afforded to me by the issuer as no additional payments were late after the XXXX, XXXX payment. However the issuer did not re-evaluate the account at six months, but rather continued to access the account a 29 % interest rate and would have continued to do so if not for my inquiry of today, XXXX XXXX, XXXX. I am seeking to recover the additional interest charged on the account from XXXX, XXXX thru XXXX, XXXX in the amount of {$210.00}.
Consumer complaint received 2016-04-05
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

There are several numbers the debt collector calls from. I have talked to them repeatedly and have asked for more time to pay the debt and I have told them I will pay them. My problem is they call me every XXXX minutes all day. The numbers are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and that is all from today. That is six times already and they called 11 times yesterday. I asked that they stop calling so much, to call once a week. They are going to get me fired and then I will never be able to pay.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Hosto & Buchan, PLLC (AR)

XX/XX/XXXX purchased laptop from " XXXX '' on account. I lost my job and XXXX. Who Knew ... When it rains it pours. It was a recession. I did not see it coming. I was unable to pay any bills including my mortgage and utilities. The account went into delinquency and later turned over to webbank to collect. XX/XX/XXXX the account was sold to attorney " Buchan and Hosto '' in XXXX Arkansas. Thats when all hell began. I returned to work and of course after being unemployed for over a year, and working now for less money, I still am in hardship. " Buchan and Hosto '' harrassed and threatened for over a year. They taxed and added on astronamical fees to the actual cost. They finally got a court order to garnish my salary. I forwarded a letter to the judge explaining my financial situation and hardship. I beg for mercy from the court. I explained the numerous medical bills I know have and the need to heal in order to work. My " little '' salary was garnished. For 4 months 30 % of my salary was taken and given to " Buchan & Hosto ''. A month after said amount was satisfied, my salary was AGAIN garnished from " Buchan & Hosto '' for additional accumulated interest fees. 7 years from XX/XX/XXXX, I am sure this account has been written off. " XXXX '' has received a credit from the government in taxes for debts annually. Where is the statue of limitations? Why do we as consumers must be punished over and over and over for the same purchase? We suffer the credit bureau as is. Then the attorneys go on a blood thirsty hunt to take your money. No matter what. If, I had not started to work and depended on the state or government to support me ; the govt would not pay any debts especially for a computer. I feel my medical bills are more important than a credit account. Double standards! The government has limits but the consumer " it 's open game ''. Garnishments from salary should not be a free for all debt collectors. I think the judge, never even read my letter or maybe they all work togeather. This is unfair. The consumer should have more protection. I only thank " XXXX '' I did not lose my home and was not put to the streets.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Cash advance — 
Company: CITIBANK, N.A. (PA)

My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is {$6500.00}, of which apx. {$1000.00} is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra {$20.00} each month. This is gauging, fraud, double-dipping and plain whole stealing. Macys does not give the consumer a chance to pay their cash advance. When are the deceptive practices going to stop? Please have Macys remove this charged for the cash advance from my account, I would like a ledger of the daily interest charges for the cash advance and balance since 2009. Going forward, I need a monthly account of the cash balance if Macys refuses to remove the charge. I would like greater transparency for the consumer to let them know exactly the policy of the cash advance. I will not let this go, credit card companies are making people debt slaves and the government is condoning this behavior.
Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CITIBANK, N.A. (CA)

I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.