davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NC)

My Macy 's American Express account was compromised resulting in approximately XXXX of fraudulent charges being made on the account. Even though these charges were flagged by fraud protection, they allowed multiple charges to be made to my account. Following my immediate response to fraud protection identifying the fraudulent charges, I was assured that I would be sent a fraud claim for processing and to not pay on the fraudulent charges. I never received the fraud claim. Upon following up on the claim form, I was provided XXXX different scenarios by XXXX different Macy 's American Express fraud department personnel about what action to take regarding the balances and how they would be reported to the credit bureaus. I am on call number XXXX and on hold again waiting for a supervisor to give me what I hope will be correct information. I simply need to know if I have to pay interest and fees on the fraudulent charges to avoid being reported negatively to credit reporting bureaus until the issue is cleared up. XXXX different people gave me XXXX different answers. None seemed to independently be able to explain what happens in terms of credit reporting on my account in regards to this issue. That is just unacceptable. They recommend that I do not pay the fraudulent charges but can not explain the credit reporting scenario associated with me not paying those balances. It is unconscionable to me that Macy 's American Express would allow flagged charges to proceed and then - not mail me the fraud report timely - or explain what transpires with the associated credit reporting scenario. I have excellent credit and find their level of incompetence unacceptable for an agency that can report damaging financial information to my credit report after they allowed obviously fraudulent charges to be made to my account.
Consumer complaint received 2016-06-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OH)

I signed up for a Citi Gold Checking Account last week of XXXX 2015. At that time, I spoke with a bank teller ( not done online ) that I qualify for the CitiGold Checking promotional offer of XXXX AAdvantage Miles that I received in mail. If I cleared {$1000.00} spend with the debit card and XXXX consecutive months of bill pay from the checking account then I would receive the points. I asked her multiple times to ensure I qualify because my participation was contingent upon me earning those points. She confirmed. IF that is not promissory salesman ship I do n't know what it is ... But it gets worse. First few weeks of XXXX I jumped through the millions of hoops ( felt like ) to get the checking account up and running, a terrible experience in it of itself. Once my account was functional I proceeded in achieving the {$1000.00} spend and 1 month of bill pay. In XXXX I called and asked a representative where I was in satisfying the requirements to be awarded the XXXX AAdvantage XXXX. The rep I spoke to confirmed that I still am eligible for the promotional offer and have completed XXXX of XXXX requirements ( still needing the additional month of bill pay ). XXXX then came and made the bill pay, and what I thought, completed the process. I called once again, and AGAIN received confirmation that I completed all requirements and should now receive my points within 60 days. It is now XXXX XXXX and now resolution ... ... I submitted a inquiry to CITI on XXXX XXXX checking the status once more and received a generic response " they were looking into why they have n't posted yet ''. Last week, ( week of XXXX XXXX ) I secure messaged Citi to confirm my points were on the way. The woman I spoke to said I should hear back from the team NO LATER than XXXX XXXX. It is now XXXX XXXX. I do not have secure message screenshots of the conversations confirming the deposit of the points post-completion however the evidence should be kept on their recorded lines from those months. This was BY FAR THE WORST CUSTOMER EXPERIENCE I HAVE EVER HAD. I feel like I am getting the run around by every single person I talk to just kicking the can down the road so they can get as much monthly service fees ( {$30.00} ) as they can in the process. Completely unjust and criminal in my mind.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

To Whom It May Concern : I escalated a request to have all remunerations refunded due to credit terms " originally '' signed via ( Citibank 's executive office ) whom is now an account servicer of which ( XXXX ) serviced the debt effective XXXX XXXX, XXXX. After requesting in writing on multiple occasions to have all payments refunded via XXXX XXXX ) now Debt Protection ( Citibank ), a service I am not deemed eligible for per " initial '' credit agreement/disclosure signed XXXX XXXX, XXXX via ( XXXX ). 

However ( Citibank ) recently sent correspondence dated XXXX XXXX, XXXX stating I am eligible of which, a ( Citibank ) agreement sent was never signed or disclosed when originally applying for a " Best Buy ( XXXX ) In Store '' consumer credit card. XXXX XXXX an assigned executive response unit liaison submitted a ( Citibank ) Debt Protection disclosure after disputing my disposition regarding a ( XXXX ) disclaimer she initially sent XXXX XXXX, XXXX which states unemployed borrowers and/or part time employees are not eligible for " XXXX '' which is now classified as " Debt Protection '' per ( Citibank ) due to servicer change/acquisition. It seems as if ( Citibank ) is not willing to refund a balance which is owed for cancelling a service I paid into " prior '' to ( Citibank ) acquiring an account generally speaking. I would be obliged for this letter to be shared with my California Attorney General and all governing agencies for this process is now considered fraud for fictitiously submitting a ( Citibank ) disclosure in place of a ( XXXX ) disclosure automatically deeming a request/claim irrelevant.
Consumer complaint received 2015-03-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MI)

Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

My husband and are Citigold customers - preferred customers based upon aggregated balances with Citibank ( in excess of $ XXXX XXXX. We 've been told numerous times by branch employees as well as Citigold account representatives that with being a privileged customer comes special benefits. One of those benefits is no foreign transaction fees. We were told this on numerous occasions and it applied to all of our Citi products. 

Recently my husband and I were traveling overseas and used our Citi credit card and learned that a transaction fee was charged. Immediately upon our return to the states we contacted Citi bank to alert them to the information we received and we were told that 's not accurate for all products. This seems unfair and deceptive. I kindly asked Citi to make a one time concession for us and they have refused. 

Given the misinformation we received on numerous occasions, I believe Citi is not being clear and transparent with their customers. If this benefit only applied to certain products, then we would have used those products - we have multiple cards with Citi where it does apply. 

I 'd like Citi to refund our foreign transaction fees and be clear with customers on what it means to be Citigold and what it does not mean. And I 'd like them to educate all of their departments on the differences. Instead of just passing the buck of blame to someone else internally.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (SD)

I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.
Consumer complaint received 2016-03-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AL)

I received an email in the middle of the night on XXXX/XXXX/XXXX confirming my Bloomingdale 's purchase. I called first thing the next morning to inform Bloomingdale 's that I did not make this purchase. The purchase was made by someone on the other side of the country. It is not XXXX/XXXX/XXXX and the charge still has not been cleared from my Bloomingdale 's account. I have called every 2 weeks to complain, submitted an statement of fraud, and done everything I have been asked to do. I am furious. I feel like I have no power to get them to clear us and they always give me a run around that it will be cleared by my next billing cycle. I have been told that the department that investigates the claims is back office and does n't have a phone number. Help!!! I have near perfect credit and this is making me insane.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (WA)

When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire life.
Consumer complaint received 2017-03-08
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Bliksum, LLC (CA)

Hello i took a loan out for with a pay day loan company and lost my job a few months later something out of my control i let the company know and they did not care or listen or work with me on the situation and continued to harras and call me and my old job that i did not work for anymore a few times with out consent or after i told them to stop calling..
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (TX)

I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...
Consumer complaint received 2017-02-03
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (CA)

I transferred XXXX in cash from Walmart to wallmart. 
when I found out this was fraud I put a stop on the money and they gave me a refenece #, when I went to get my money they said no that the funds were transferred. I need help asap please call me its an emergency
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXXt Account # XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C 1681 Section604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (AZ)

After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. 

The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. 
Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX
Consumer complaint received 2016-06-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

On XXXX, I learned from my friend about a Checking account promotion CITI bank is running ( XXXX XXXX points after meeting requirements within 90 days ). I contacted CITI bank on XXXX/XXXX/XXXX via their Online Chat and asked the representative XXXX to check my eligibility for the promotion. CITI representative asked me " Do I have a Credit Card with CITI ''. I replied " I have XXXX. XXXX of them are XXXX card ''. After learning that, CITI representative informed me " promotional offer is for all existing credit card client who does n't have any deposit account with CITI ''. I told her I do n't have any checking or saving accounts with CITI. CITI representative offered me the promotional offer code XXXX to use when opening the account. ( I have the Chat copy that i can provide ) I opened Gold Checking account by end of XXXX and completed all requirements by XXXX. On XXXX/XXXX/XXXX, I contacted CITI bank again by online Chat and asked CITI representative XXXX to verify that I completed all the requirements for the promotion. She took some time to verify but came back and confirmed all requirements are complete and I should receive my promotional points shortly. ( I have a copy of the chat ) After waiting few months and not seeing any points posted, I asked CITI representative the status of the promotional offer. They created a ticket for me and told me to wait for a response. I recently got the response from CITI bank saying " Promotion was invite only and I was n't Invited. '' When I replied back telling them about the conversation I already had with different CITI representative before and after opening the account, CITI stopped responding to my request.
Consumer complaint received 2016-01-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage.
Consumer complaint received 2016-02-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

1. After stating that I could not pay any of my debt until XXXX XXXX, the debt collector kept asking me to pay half of it this week. 
2. Debt collector kept asking for checking account and debit card information AFTER I stated that it was not with me.
Consumer complaint received 2015-06-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (TN)

My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.