davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I was offered a job by XXXX XXXX as a XXXX. I was given two weeks probation period. The company paid off my credit card debt with a XXXX XXXX checking account for my first order, which totaled XXXX. I bought gift cards for the company that totaled that amount, since they told me they had XXXX customers that buy their merchandise. My credit card company is Citibank. Citibank posted the payment and I went on to my next order. The company paid off my credit card again and I did the next purchasing. This went on for XXXX different orders for a total of XXXX. Payments were eventually returned to my credit card and now my credit card has a big balance. At one point it took Citibank twenty days to return the payment. Customer Service Reps tell their customers payments will take three days to post. XXXX XXXX opened up a fraudulent account and citibank took too long to return the payments. Both of these banks took advantage of me, as well as XXXX XXXX, who said he was a supervsior at XXXX XXXX. My employment papers had an XXXX number. I did a lot of research and found a XXXX XXXX XXXX number also. XXXX XXXX has an office in XXXX, but their headquarters are in XXXX.
Consumer complaint received 2016-09-07
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (AK)

I received XXXX prepaid citi debit cards as a gift from my employer. Unfortunately I misplaced the cards and did not find them until a week after they expired. I contacted the agents at XXXX who claim the funds have been " forfeited '' and can not be reissued. 

The URL is XXXX. It is a Visa debit card. According to the page at : XXXX it looks like I should be able to get reissued funds, however the agents claim it is not possible.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (NY)

XXXX XXXX - I paid off my Sear card balance of {$700.00} XXXX XXXX - I buy supplies at XXXX to replace my kitchen sink {$120.00} XXXX XXXX - I make a payment of {$330.00} to payoff the supplies and kitchen sink purchased online XXXX XXXX - The XXXX 's charge for the sink is posted {$210.00} XXXX XXXX - My most recent payment is not posted. I am charged finance charges. 
XXXX XXXX - I call Sears to see what has happened. Support is poor. They can not accept a pdf copy of my receipt and do n't answer the fax number they gave me for the fax copy. I call CFPB online to report shenanigans!
Consumer complaint received 2015-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NV)

Commercial realty loan complaint against CITIBANK. 

SITUATION. In XXXX 2007 I invested in XXXX, a Tenant in Common property in XXXX XXXX Iowa. Like most of the other CP investors I rolled over equity in an IRS XXXXexchange from a small property. 

XXXX XXXX ( XXXX ) was sold to a group of XXXX investors for XXXX, and set up as a tenant-in-common investment ( TIC ). In the case of XXXX a master lease promised guaranteed income like an annuity. Most XXXX owners, myself included, are over XXXX. For many the investment constituted much of their life savings which are now lost leaving some TIC owners dependent on their children or at the precipice of bankruptcy, XXXX even XXXX. 

After years of mismanagement, large capital calls amidst XXXX disbursements, and frustrating and costly civil litigation, XXXX went into foreclosure. Owners representing a XXXX % ownership have pending civil actions against the TIC sponsor, who is out of business and the asset manager who is in bankruptcy. These civil actions are unlikely to remedy the massive systematic fraud and injustice that has cost us much of our retirement savings while blighting our latter years with financial and personal anguish. 

CITIBANK. However, behind the sponsor and AM there is a giant deep pocket, Citibank, that our lawyers have deemed too big to sue but without whose collusion in writing, then selling, a loan which did not meet reasonable underwriting standards the owners would not have lost their savings. ( More details in attachments. ) Apparently realizing that the CP loan of XXXX was tainted with fraud and bound for foreclosure, Citibank sold it for XXXX to a vulture bank whose practices appear to be to buy distressed loans , drive out the equity investors, and flip the property. Citibank 's action has parallels to subprime loan abuse, only it the victims were elderly small investors, not home owners.The XXXX XXXX investors have lost more than XXXX total. There are hundreds of other defective TIC real estate loans that have damaged thousands of XXXX investors across the country. Nothing is being done against the banks who wrote loans that were used to defraud investors and perpetrate XXXX abuse. 

ASK. We ask CPFB to investigate the Citibank loan to XXXX XXXX XXXX and the sale of the loan and seek damages for the XXXX TIC investors, my self included.
Consumer complaint received 2016-07-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A. (CA)

I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from XXXX. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (PA)

I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want them.
Consumer complaint received 2016-12-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MA)

In trying to activate a new citibank mastercard, I was told that my account was put on hold because the telephone number I cited did not match their records. I was put in a position where I was neither able to activate the account nor cancel the account because security access ( which I was being denied ) is required for both. I know that I gave my correct phone number when enrolling because citibank gave me a call soon after I applied in order to verify the validity of the application. The number they have on file for my account is pulled from public record and is incorrect. The customer service representative said that I would have gotten a voicemail with a code to gain access to the account, but seeing as the number that citibank has is incorrect, there would be no way for me to receive that message. This is frustrating and inconvenient to say the least,
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife XXXX XXXX
Consumer complaint received 2016-01-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HOVG, LLC (TN)

This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

In the year XX/XX/XXXX, I purchased tires from Sears XXXX. My statement came and I paid the minimum payment. At the same time a statement came for XXXX, but I do not have a XXXX. A check revealed someone opened an account in my name. XXXX was notified of the fraudulent account and they rectified the situation. A further check of my other statements revealed, sears had over a thousand dollars in purchases from playstation and another video gaming company. Sears was notified of the situation and they acknowledged the disputes were from Maryland and they would rectify the situation. Each month, I would receive a billing statement same charges higher then the last. I called each month about the charges and was referred to the fraud department and was assured by different fraud investigators that the charges would be taken off. Currently, I received a statement for the month sears customer service on XX/XX/XXXX for the company to correct the new balance. They connected me to the fraud department and spoke to a female manager ( XXXX ) who stated she does not give out last names. I attempted to explain that my new balance was wrong. She stated, " I am at fault for not notifying the sears of the fraudulent charges. '' I explained to her that I did notify sears, that 's the reason why sears credited the fraudulent charges. I further asked her to go back to when I purchased the tires, so I would know what amount is left. She stated she can not go back that far to look up the information. I advised her I would like to put a billing dispute which is a different department, she stated it will not go through cause it has to go through my department. I, eventually ended the call and felt like I was victimized a XXXX time. XXXX from someone using my information and now from sears.
Consumer complaint received 2016-12-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (CO)

I was never given the option to opt out of overdraft fees. I know now that I had that option but I was automatically open into overdraft fees. I have lost a lot of money this way and I would rather have my card declined than charged. In some months I would get charged with these fees more than 3 times as a XXXX. {$35.00} is a lot!
Consumer complaint received 2017-02-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

There was a a Citibank offer back in XXXX XXXX with the following promotion ( OFFER CODE : CZPE ) : " Get a {$400.00} bonus when you open a new Citigold or 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 opened a new checking account on XXXX/XXXX/XXXX, deposited {$15000.00} on XXXX/XXXX/XXXX, and have kept the same balance until at least 30 consecutive days as the promotion required. Even to this day the same balance has been keep there, and after the 90 days of meeting all the offer requirements, I still have not received my bonus offer. I have called the Citibank service center every 30 days within the 90 days to confirm that I have met all the requirements and their answers every time was yes and wait for the 90 days. Today, it is XXXX XXXX, XXXX and I still have not received the bonus offer nor there is possible pending transactions posted in my account. By researching online, I have found numerous complaints against this Citibank practice of not paying bonuses even after the requirements have been met ( https : XXXX? XXXX ). Any help is greatly appreciated.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

On XXXX XXXX 2016, I opened a Citigold checking account on receiving a promotional code ( XXXX ) because I am an existing Citi XXXX credit card customer. The promotional code promised XXXX XXXX miles on completing bill pay and minimum spend requirements within a specified timeframe. 

I completed those requirements in the first week of XXXX, and the statement closed on XXXX XXXX. 

Citi representatives confirmed I am eligible for the promotion and that I have successfully completed all requirements ( correspondence attached ). 

I then waited more than 90 days, as per terms and conditions. 
I then followed up, and was told to wait more for a few days. 
I then followed up, and was told to wait more for a few weeks. 

As of the date of this complaint, my XXXX have still not been rewarded, despite them having been promised several weeks ago.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 months.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.
Consumer complaint received 2016-10-02
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased a sectional from Macy 's on XXXX/XXXX/XXXX using my Macy 's credit card in the amount of {$4500.00}. I exchange the sectional on XXXX/XXXX/XXXX and purchased another one for a lesser price {$2600.00}, I had a credit from the first sofa and can understand why Macy 's has not applied the credit to the exchanged sectional. I have called Macy 's customer service department on several occasions waiting for some one to call back. I also have been to Macy 's seeking help.
Consumer complaint received 2016-04-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX I was contacted by a Macy 's representative who asked me about my credit card charges as he thought there may be fraud. I confirmed that these charges in fact were not mine. He told me he would close out the account and send me a new card then have the charges investigated. He said I would not be liable for those charges. About a week later I received a new Macy 's card with a statement that had all the fraudulent charges on it. I then called Macy 's and asked why they transferred all the fraud charges to a my new card. Their answer this is how they do it until the investigation is over and I am still not obligated to pay for the charges. I 'm still a little confused but ok at this point. Of course I did n't pay that bill so then I begin to get calls from Macy 's telling me about my large balance and that it is over due! I then call Macy 's and ask why they are calling me to pay. Also when I do call I wait on the phone for at least an hour while they look into matters. They again tell me it will take 90 days and this is what has to happen and they will stop the calls. They did not stop as I got several more calls and also more bills with interest and late fees! This is very upsetting as I pay all my bills on time and never carry a balance. So now it is 3 months later I have been dealing with this and they have reported me to the credit bureaus as being late/not paying my bill. Thus ruining my excellent credit! This is absolutely absurd because why should I be penalized for something I did n't do. They know it is fraud and they say I do n't have to pay the bill but they report me! What is that? Macy 's has greatly upset me and consumed my life the last 3 months because I have had to call them over and over again with no positive outcome. {$1500.00} was charged on my Macy 's credit card through Macy's.com and sent to a PO box which I know and Macy 's knows is fraud, but they still have to investigate. They can investigate all they want but leave me out of it as I have nothing to do with that. I 've done all I can do and I 'm not sure what else I can do before taking legal actions. Macy 's has really handled and is still handling my situation very poorly. I want them to clear up my credit and put everything back to the way it was before this mess began. I do n't know if that is even possible once you are reported to the credit bureaus to get it wiped off? So they may have ruined my credit which I will then take legal action for sure. When will this investigation be done and why add interest and late fees. That about sums up my fiasco with Macy 's.