davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I viewed my XXXX credit report using XXXX. It shows I applied for credit to CBNA on XXXX XXXX, 2016. I submitted no application for credit of any kind at that time. This may be the result of identity theft and I want any record of this inquiry removed.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

In XXXX 2015 I visited my local Citibank branch and was told about their great bank account the citi gold account. While I had no need for this bank account since I already had XXXX, I was told about all the benefits of the account and a XXXX point sign up bonus as well which I was to receive 3 months later. This sounded great and I signed up for the account. Now 5 months later when I requested my points they said there was no such offer for me which is directly contradicting what I was told at the branch. I am outraged how a big bank like this can make such empty promises and expect to get away with it. I hope they give me the promised points.
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

My nephew, XXXX XXXX XXXX XXXX, passed away on XXXX XXXX, XXXX. My Nephew had at least XXXX account with Citibank. I was appointed the personal representative of my nephew 's estate and notified Citibank of the appointment by letter dated XXXX XXXX, XXXX. I provided Citibank with a copy of the Court Order and Letters of Administration and requested that the bank liquidate my nephew 's accounts. Citibank responded to my request by letter acknowledging that it held an account in my nephew 's name. Citibank 's letter instructed me to provide the bank with ( i ) my nephew 's death certificate, ( ii ) letters of administration, and ( iii ) a notarized letter of instruction from the administrator of the estate. Per Citibank 's instruction I was to either forward the documents by mail or by fax. 

As my nephew passed away XXXX, it took several months to secure a copy of the death certificate. However, upon my receipt of the certificate from XXXX ( which certificate included an XXXX Language Translation ) I forwarded the documents ( i -iii ) to Citibank by fax as instructed. The documents were sent on XXXX XXXX, XXXX. It is now XXXX XXXX, and I have received no response from Citibank to my lawful request to liquidate my nephew 's assets. 

I do n't think that Citibank has acted correctly or lawfully. I am the court appointed representative for my nephew 's estate. I provided Citibank with evidence of the same in accordance with Citibank 's instructions. My appointment is a matter of public record that can be verified independently on-line by visiting the Probate Court for XXXX XXXX, FL. My nephew held at least XXXX account with Citibank which is property of my Nephew 's estate, for which I am the court appointed administrator.
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I RESPONDED TO A CITIBANK , N.A . PROMOTION WITH CODE : XXXX ON XXXX2016. I OPENED A NEW CHECKING ACCOUNT AND HAD UNTIL XX/XX/XXXX2016 TO DEPOSIT {$15000.00} AND MAINTAIN THAT BALANCE FOR 30 CONSECUTIVE CALENDAR DAYS. AFTER 30 DAYS I WOULD HAVE A {$400.00} BONUS DEPOSIT INTO THE ACCOUNT " WITHIN '' 90 CALENDAR DAYS AFTER THAT DATE. I MADE THE $ XXXX DEPOSIT ON XXXX 9,2016 AND MAINTAINED IT THRU XXXX2016 ( 30DAYS ). I THEN WAITED 90 CALENDAR DAYS STARTING XXXX2016 THRU XXXX2016 ( 90 DAYS ). I DID NOT RECEIVE THE {$400.00} BONUS. I CALLED THEM ON XXXX XXXX AND XXXX XXXX, 2016 AND THEY GAVE NO EXPLANATION AND SAID I COULD ONLY FILE A COMPLAINT EVEN THOU MY STATEMENTS VERIFIED MY TRANSACTIONS. THEY SAID I COULD WAIT UP TO 30 MORE DAYS FOR A RESPONSE AND WOULD NOT ALLOW ME TO DISCUS ISSUE WITH THE PROPER DEPARTMENT. I COMPLIED WITH ALL REQUIREMENTS FOR OVER 4 MONTHS NOW AND WANT THE {$400.00} THEY PROMISED IN WRITING IN 90 DAYS. THANKS FOR YOUR HELP.
Consumer complaint received 2016-09-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si XXXX.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received a promotion communication ( see Attachment 1 ) from Citibank regarding the new Citigold checking account offer in XXXX XXXX. I used the promotional code in the communication to apply for my Citigold checking account last XXXX and my account was reviewed and approved by the Citigold new account service team without any issues. After I met all the terms and conditions to obtain the benefits of this offer, the incentive was not credited properly to my account. Thus, I made the first inquiry regarding this promotion in XXXX XXXX ( see Attachment 2 ), and the customer representative indeed confirmed that I met the requirements for the promotion and suggested me to wait longer since the incentive should be credited no later than the end of XXXX XXXX. However, Citibank never issued the credit and subsequently claimed that I did not qualify for this promotion which should be targeted to customers who received the promotion communication, even though I do receive the communication and can provide a photocopy of the printout as a proof of eligibility ( see Attachment 1 ). 

I must reaffirm that the Citigold checking account offer was addressed to me and I have met all the terms and conditions to obtain the benefits of this offer. I should qualify for this promotion based on the following two reasons : First, I do receive a promotion communication regarding the new Citigold account offer and keep a physical printout of the offer disclosures ( see Attachment 1 ), which serves as a proof of eligibility. Second, I used the promotional code in the communication to apply for my Citigold checking account. My account was approved and the Citigold new account service team never informed me that I was not eligible for the promotion throughout the account reviewing/opening process. If I was truly not eligible for the promotion, my account application should have been denied at first place when I used the promotional code to open my account. However, I never received an error message nor notification informing that I am not eligible upon account approval. Furthermore, the customer representative has confirmed that I met the requirements for the promotion when I made the first inquiry regarding this promotion in XXXX ( see Attachment 2 ). 

Citibank should not take advantage of this misleading marketing advertisement to lure customers to open new accounts. Please keep in mind that there is also a relatively high monthly service fee associated with the Citigold account and it would take several months for new account holders to meet all the terms and conditions to obtain the promotional offer. It is not justifiable and should be considered fraudulent for Citibank to attract new customers using this false advertisement, collect high monthly service fee from new account holders, and not honor the promotional credit after customers opened their Citigold checking accounts, met all the promotion requirements and paid the monthly service fee accordingly.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (FL)

I contacted Shell Citibank XXXX XXXX. I called customer service. I asked them about a credit limit increase if it was a soft or a hard inquiry. I explained I was going to go for a major purchase and I ca n't have any hard inquiries on my credit. They said they could not answer this question. They said since you have a fraud alert to fill it out online and they will contact me before they pull the credit whether its soft or hard. This did not happen it was a hard pull the next day. I spoke to several supervisors the XXXX XXXX I spoke with said it would take up to 10 days to remove it. This did not happen. I dealt with citi executive response I spoke to a woman named XXXX XXXX she can be reached at XXXX. She did nothing at her level to resolve the issue. She said because I filled out online with my income what I was told to fill out by customer service. That I authorized my credit to be ran. She did nothing to address the negligence and incompetence of the company representative misinforming me. She does not even care I might be denied for my large purchase because of this inquiry. I think this is a very dirty tactic that they play. I have allready filed a complaint with the ftc also. I am sick and tired of companys not being held accountable by people who work for them and misinform customers. Everything was all done over the phone. My credit was pulled once through XXXX. XXXX no longer allows you to dispute through the credit bureau only with the creditor.
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I spoke with Shell/CBNA Credit Card back in XXXX of XXXX to ask them in good faith to remove the bad marks on my XXXX credit reports which were only ( XXXX ) 30 day late payments. Instead they now have moved the dates of my Charge Off on my credit reports from XXXX XXXX being the last date reported to now being XXXX XXXX and it is being continually reported. This has dramatically affected all XXXX of my credit reports for an account that was opened XXXX of XXXX and closed XXXX XXXX.
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

The situation is hard, because I allowed deposits for my account. The issue is XXXX decided to take cash out of my account instead of my card like I told them. This threw everything off. I am very upset with them and have reported them. I would like to pay you the money as defined and be refunded the check fee. I do not see how I should have to pay that as I have always paid and what I stated NEVER not had funds.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

I receive at least 5 calls from this company every day. They leave a message to call them back and in a few hours, they call again. They call constantly - mornings, afternoons, evenings and weekends. This is the national collections departments. I also receive daily calls from the local collections department on my cell phone.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NJ)

TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.
Consumer complaint received 2015-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

The reporting constitutes an outdated demerit past the legal time limit and collection of the initial matter exceeded the California Statute of Limitations of 4 years and should be removed. 

There was a dispute regarding application of payments towards account which led to a discrepancy in the crediting of payments made, a negotiation took place and favorable results were obtained, however the company did not follow our stipulation and erroneously made incorrect payment remarks on my account. Problems occurred with customer service not be effective in resolution of the problem. I contend that I was in complete compliance with the payment terms and conditions and that all payments were made in a timely fashion. 

After a lengthy continued negotiation on the matter illegal collection continued which exceed the statute of limitations- 4 years. The debt is illegal, contains outdated demerits and must be removed as it exceeds the legal time limit. All payments were made in a timely manner and in a sufficient amount as not to be a contractual violation at a time when the contract was valid.
Consumer complaint received 2016-08-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I signed up for a Citigold checking account in XXXX 2015 due to a promotion I saw advertised to earn XXXX bonus Thank You points. According to the terms of the promotion, I needed to open a new Citigold checking account and make two bill payments in two separate months. I called the Citigold service number to confirm that the promotion was valid and that I was eligible to sign up. I was verbally assured that I was. I made two bill payments in XX/XX/XXXX and two XX/XX/XXXX. I then called to confirm that the promotion was successfully attached to my account and that I had met the terms. The agent said that the promotion was successfully attached, but that I should also be sure to make bill payments in XX/XX/XXXX, since the XX/XX/XXXX payments happened at the end of the month and might count for XXXX. I did make payments in XX/XX/XXXX and then call to confirm that I had met the terms of the promotion. I was told that I had and that the points should be posting shortly. I called again in XX/XX/XXXX. At that time, I was told that I had met the requirements XX/XX/XXXX, but that it could take up to 90 days to receive the points. I called again toward the end of XX/XX/XXXX and was assured that the points would be posting shortly as we were at the end of the XXXX window. When the points did not post, I called in XXXX and spoke to the same agent I spoke to in XX/XX/XXXX. He assured me that the points should be posting and that he would open an investigation as to why they had not posted. I later received an email stating that this was a targeted promotion, and that I had not been targeted. I called, but the agent I was forwarded to said there was nothing I could do. Oddly, this agent then asked if I had any immediate family members who had been targeted. I did not know at the time, but I recently learned that my mother receives this offer almost every time she logs into her Citibank account. Nevertheless, I feel that I was not given the points I was promised as part of this promotion.
Consumer complaint received 2015-12-09
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

I ordered XXXX engines from XXXX XXXX for {$4000.00} on XXXX/XXXX/15. He instructed me tosend money through Paypal and to select the send money feature andnot the goods and services. I sent the money as instructed. The sellerdelayed the shipping and finally sent " the engines ''. When I received themThey were unusable junk. I tried to contact him to arrange shipping themback and he quit responding to me. I then contacted paypal as they offerprotection for their buyers. I spoke to the dispute department and was toldthat my dispute would have been an easier dispute if I had selected goodsand services but assured me that it was still disputable. I filed a disputeon XXXX/XXXX/15 with Paypal. The case was opened and the notes show thatthey reach out to the seller. The seller never did respond. On XXXX/XXXX/15 Ireceived notification that I lost the dispute. I reopened the case on XX/XX/2015Paypal again reached out to the seller and were unable to reach him. 
They then sent me an email that I lost the dispute again. I asked them for a detailed explanation as to why I lost the case if they had been unable to reach theseller. Their response was because I selected send money instead ofgoods and services that it became an undisputable transaction. This wasnot what was told to me and if you pull the transaction details it states onthe transaction that it is disputable. In addition to that if it was a nondisputable transaction why did they open the dispute case twice? It hasbeen brought to my attention that this seller has done this before throughPaypal and the are basically using Paypal to scam people. Paypal has beenmade aware of this and has done nothing to correct the issue. In fact theseller is still allowed to use the Paypal site. I would like to get my moneyback for this obvious scam that Paypal is allowing.
Consumer complaint received 2016-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (NM)

XX/XX/XXXX I closed my account with XXXX XXXX. I received a final bill of {$33.00} which my wife paid. The bill was paid on XXXX/XXXX/XXXX, and I have a bank statement showing that. The following month XXXX XXXX sent a refund check for the amount of {$33.00}. I assumed they overbilled me and made things right by sending the check, and never thought another thing about it. 
XX/XX/XXXX, I received a collection notice from AFNI for the balance of {$33.00}. AFNI was called and a dispute was opened. My wife sent them proof of payment. On XXXX/XXXX/XXXX my wife called AFNI, and they stated they had received the documentation and had sent it to XXXX XXXX. 
On XXXX/XXXX/XXXX I received a letter from AFNI, saying they were resuming collection activities. 
We have made numerous follow up calls to both XXXX XXXX and AFNI in an effort to get this resolved. Today ( XXXX/XXXX/XXXX ) my wife and I spoke with a representative from AFNI who informed me that my credit had already been damaged as a result of this. I had a local Credit Bureau run my credit and learned that I had indeed suffered a negative mark on my credit showing that I was in collections for {$33.00}. I can not get anywhere trying to talk to either XXXX XXXX or AFNI, and continually get the run around. I would happily pay the {$33.00} if I can get assurance that my credit will be restored. I am very upset that my credit has been compromised over a mistake made by XXXX XXXX, which they refuse to admit too, but the documentation shows otherwise. 
I do not have a way to upload documentation, but can send it via mail if needed.
Consumer complaint received 2016-03-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help.
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (VA)

found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.