davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NC)

I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. 

He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. 

My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. 

In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. 

In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. 

I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. 
We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. 
Any help with be greatly appreciated. 
Thank you
Consumer complaint received 2017-02-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: AFNI INC. (CA)

I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NC)

received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/XXXX, I had TWO fraudulent transactions occur from two merchants, XXXX XXXX and XXXX for {$100.00} and {$110.00} respectively. I called Chime to dispute the transactions. They advised me that I would receive a provisional credit, an investigation would occur that could take up to 90 days, and I'd be receiving a new debit card. On XX/XX/XXXX, I received the provisional credits. I called both merchants on XX/XX/XXXX and had to leave a voicemail with XXXX Scales. I was able to speak with XXXX in the billing/fraud department of XXXX and she advised me that they already had the transaction flagged on their end as fraud and they refunded my money back that day. On XX/XX/XXXX, Chime took back both credits and sent me an email stating that NO fraudulent activity occurred. On XX/XX/XXXX, I received my new Chime debit card in the mail. I called Chime and had them open another dispute into XXXX XXXX since I had not heard back from the merchant yet. I received a provisional credit on XX/XX/XXXX for this. On XX/XX/XXXX, the credit was reversed again and Chime stated NO fraudulent activity occurred. On XX/XX/XXXX, XXXX XXXX from XXXX XXXX called me back and stated that the transaction that occurred on XX/XX/XXXX for {$100.00} was in fact fraud and I'd be receiving a refund. Today, XX/XX/XXXX at XXXX, an amount of {$110.00} from XXXX was taken from my account. I called XXXX and they can not find any transaction or activity that occurred on their end with my NEW debit card, name, or bank account information. I called Chime right after the call ended and a representative advised me that XXXX had taken back the money they refunded me on XX/XX/XXXX. I called XXXX back and they stated that is not true and that is not something they do once a customer has been refunded. So Chime really wants me to believe that XXXX SAW the fraud alert for the transaction that occurred on XX/XX/XXXX and gave me my money back on XX/XX/XXXX, but have now taken back the refund they gave me a whole 14 days later. That's absolutely absurd! I also went to Chime 's twitter page to seek more guidance and Chime is hiding tweets from other Chime members who have experienced fraudulent transactions.
Consumer complaint received 2017-02-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (PA)

I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.
Consumer complaint received 2015-08-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: HYUNDAI CAPITAL AMERICA (NC)

In 2013 I went to XXXX XXXX because i was looking for a car or suv that is liable and to get my daughter to school and back and also to get her to her medical appointments ... Anyway, the car i wanted was less than the car they tried to push on me. Salemen get over on women, especially single parents with no knowledge of a car and how thigs work.. I did n't want the car at all but i had no other choice because i had no one to count on to get my daughter to her medical appointments. So i was told by the man who sold me the car after a couple months my payments will decrease. I agreed and accepted the car. The same week i got the car different things started happening to the 2013 hyundai ... The seats was fading due to leakage from the rain ... The CV joints tore up, the brakes went out and the tires always stayed flat. Back and fourth to the dealership, yes they fixed it but the car was different to drive. This car was endangering myself and my daughter life. I complained to the finance company and reported them to the XXXX. I let the car go back because it was stressing me out financially due to having to go back and fourth to the dealership and having to get car repaires done. This all happen the same week i got the car and it continue up until a year and i was fed up because it was dangering my life and my little girl. Hyundai motor finance company came and got the car after telling them several times about the problems i was having with this lemon car. They were n't concern ... A month later they sent me a notice stating they sold the car and want me to pay the remaining balance of {$9800.00} Why should i pay for a car that caused me problems and suppose to be a brand new car? Then they sent me over to a collection debtor who wanted to make an offer and charge me {$7800.00} ... I feel like i should n't be repsonsible for junk that almost caused my life and my daughte life.
Consumer complaint received 2016-02-11
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (NY)

In XXXX 2015 I deferred my car payment through Hyundai Motor Finance ( or so I thought ). I faxed back the letter, like they asked and like I have before, only to get a statement in XXXX 2015 showing TWO months due. I called and spoke to a gentleman who apologized and said the deferment was never proccessed in XXXX but had no idea why. As a resolution he offered to defer XXXX 's payment too in which I accepted. I received the letter, faxed it back ( and brought a witness this time ) AND CALLED to confirm the fax was received. I was told it was currently processing. Now I paid my XXXX payment and here it is XXXX and they are threatening to repossess my vehicle. I feel that I did everything I was supposed to do as a customer and they are treating me unfair. My credit has been ruined showing I have late payments and it 's not even my fault! I am also reporting to XXXX.
Consumer complaint received 2016-09-07
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Cash Express, LLC (TN)

I have spoken with the actual owner on more than one occasion, and have filed previous complaint here. Theses people will not stop calling my phone. We do not have any loans with them at all. They are continuing to call my phone. I want them to stop harassing me. I will obtain an attorney and sue for harassment if this is not stopped. The owner has assured me on more than one occasion that they would never call again, but they are still calling.
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a CitiGold checking account with CitiBank under their XXXX XXXX XXXX promotion where I would get XXXX XXXX miles deposited into my account after completing a short list of requirements. I completed those requirements within the allotted time frame and called customer service several times to confirm that I qualified to receive the promotion. Each time they told me they 'd look into the issue and update me with an email. That has not happened despite multiple calls. I 've read up on this online and apparently other people have been having the same issues with CitiBank not honoring their promotion.
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

Citi apparently issued a Citi Costco Card to me, never actually mailed it to me, and charged me for the XXXX membership and now they want me to pay the bill. 

I used to be a XXXX member with an XXXX card. I cancelled my XXXX membership a few months ago and never applied for a Citi Costco Card. They seem to have automatically issued a card to me based on my prior XXXX membership. I tried to tell them multiple times on the phone and they keep transferring me to various departments within their firm. I have wasted well over an hour dealing with this mess which I have no role in creating and it is not right to expect me to spend any more time dealing with this situation. 

Bottomline : Cancel the Citi Costco Card that I never applied for nor received, remove the XXXX membership charges and stop wasting my time.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

Citibank calls their new credit card as Costco Anywhere Visa card but the " anywhere '' is an oxymoron and deceptive marketing. I do n't remember reading a foreign transaction fees in the card holder agreement, however it is not mentioned on the webpage that lists the benefits of the card. 

While I was in XXXX earlier this month, I used this card more than the other credit cards, since the foreign transaction fee did neither show up on the use of the card, nor the same day, nor the next few days. The foreign transaction fees showed at the end of the month on the billing statement. Which to me is unethical as the transaction should have shown as soon as the card was used. I did have other choices, but was misled by the " Anywhere '' name on the card. If it were truthfully an Anywhere card, the rules and regulations should be the same. Or at the least, I should have got a warning or alert of some kind as soon as the card was used or by the close of the business day. 

On a side note, Citibank is suing XXXX for gratitude as a variation of " thank you '' to their customers, even though the XXXX businesses have nothing in common and they have unique customer base. 

My perplexity is about the deceptive marketing and use of oxymoron in the name or in the terms and conditions.
Consumer complaint received 2015-07-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (OK)

I purchased merchandise on XXXX different occasions at Best Buy at zero percent interest. These have XXXX different expiring dates. I have made monthly payments that were sufficient to pay these off before the expiration dates but the payment was only applied to XXXX of the balances and now that XXXX of the zero interest periods has expired there is still a balance and they have charged interest.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MT)

I just received my credit card statement with a {$380.00} Interest charge on my statement. My statement balance previous statement was {$530.00}. My statement has been as high as {$1000.00} approximately and have been paying down since I got it that high. They told me that I made a purchase 2 years ago that I agreed for no interest however been paying interest all along and not sure my payments actually paid down the zero percent side as it should. They then told me they would waive the interest charge if I paid the entire credit card balance off, extorsion!
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

Costco went from XXXX XXXX to Citi Card. {$3000.00} has not been credited to my account. 
I have spoken to XXXX people @ Citi Card and no one can help me. XXXX XXXX will not take my calls. 
Costco is not taking responsibility. I have all my AM XXXX statements and ALL payment information. I need some help
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I signed up for a balance transfer with Citi a few months ago. I am fully willing and able to make all monthly minimum payments. I did not set up alerts to remind me of the due date for monthly payments - usually companies will send an e-mail or call to remind you that a payment is coming due. The first time I received any form of reminder to pay my monthly minimum on this new balance transfer was from a debt collector. I paid immediately, but noticed a {$27.00} late fee assessed to my account. Citi has been unwilling to waive the late fee, pointing to the terms of my contract. I explained that I understand the contract, but am seeking a goodwill credit because I did not receive any reminders to pay my monthly minimum on this new transfer ( i.e., it was not part of my monthly bill-pay routine, so it is understandable that I forgot about the new account ). I also set up autopay so as to ensure all future payments will be automatically debited. The reason I am contacting CFPB ( and NYAG ) is because I find it to be unreasonable for a corporation like Citi to not remind a customer of an impending deadline to pay their monthly minimum. It seems obvious to me that Citi was more interested in collecting the late fee than they were in receiving the monthly minimum. Please let me know if there is anything you think we can do. Thank you.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.
Consumer complaint received 2022-10-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682
Consumer complaint received 2016-09-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

My husband, who died on XXXX XXXX, XXXX, took out a home equity line of credit which was used to back the mortgage on a cabin. The loan became due on XXXX, XXXX, XXXX. This loan was executed prior to our marriage and I am not on any of the title documents. However, I have in good faith paid the monthly interest, maintained the property, and worked diligently with a realtor to try and sell the property ; which is underwater by approximately XXXX XXXX dollars. I hired an attorney hired to represent me as no one was in the bank mortgage department would interact with me, other than through past due notices and written requests to provide letter of testamentary. In the meantime, several cash offers have been made on the property, after 2 1/2 years of no offers, and the bank has still not responded as to their intention. I am now receiving monthly past due notices and no one from the bank has contact either myself or my lawyer.
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

I signed up for a checking account promotional offer with Citibank to earn XXXX XXXX XXXX miles after meeting certain criteria. I was told these points would post to my account at the end of my XX/XX/XXXX statement cycle ; they did not. I 've contacted Citibank on multiple occasions with confirmation that the points would be posted within 5-7 business days. My first call was XX/XX/XXXX -- they asked for my AAdvantage account number, and I have provided it to them multiple times ; it has now been approximately one month. I am frustrated that I met the specified criteria, and I have been paying my monthly fees for the checking account, but Citibank has not honored their word by way of applying their promised XXXX XXXX points to my account like they have told me they would multiple times.
Consumer complaint received 2016-09-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened a CitiGold checking account in XXXX of 2016under the promotion code XXXX which would give me XXXX XXXX XXXX miles after {$1000.00} in debit purchases and XXXX automatic bill pays from the account. I completed XXXX of these tasks but was then was givn the runaround by Citi representatives when I inquired about the promotion that was tied to my account. I was then given notice that Citi would not honor promotional offer that was promised to me when I signed up for the account. It is now the end of XXXX 2016 and I still have not received the XXXX XXXX miles that I was promised when I first opened the account, even though when I opened the account I confirmed with a representative that the promotional offer was tied to the account.
Consumer complaint received 2016-06-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citi Gold Checking account in XX/XX/XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and XXXX debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within XXXX statements of completing the requirements ( which would have been XX/XX/XXXX ). It is now XX/XX/XXXX, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message, and as such do not keep promotional mail offers for 6 months. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My wife has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are hundreds of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

I opened an account with Macy 's XX/XX/XXXX. I had the account in good standing. They closed the account XX/XX/XXXX without my knowledge due to " inactivity. '' They refuse to open to old account and request that I apply for a new account under their new revised terms and conditions. This closure has harmed my credit report because it was a card I had for over XXXX years. This is not a fair practice.
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OH)

Citi Bank offers access to statements and transactions on their website. For the second time in a month " There are no statements immediately available at this time. '' The last time ( around XXXX/XXXX/16 ) it took ten days and a complaint to CFPB to resolve the problem. The resolution is apparently temporary.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Other — 
Company: STATE FARM BANK, FSB (FL)

This is a complaint against State Farm Credit Card, the reason for this is because they have n't put the credit in my favor when already paid in full and deducted from my bank account, how many days it will take to unlock my card, I called in several ocaciones and is only a negative answer, this is a joke against me. and they will more than 7 days and still have not put the credit card.