davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-11
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MA)

Citibank is fraudulently charging people interest. I 'm sure it 's not happening only to me. 

This fall, their online payment portal changed. I noticed this change on XXXX XXXX, 2016. Now when I log in to pay on the first of the month, the website says the minimum payment has already been satisfied, and I am invited to pay the remaining statement balance. 

Under this payment option is the following statement : " This is the remaining amount owed to satisfy your last statement balance. '' On XXXX XXXX I chose this option, but when my next statement came out I saw that my minimum payment did not go through, and I was charged interest. I contacted Citi via live chat on XXXX/XXXX/16 and told the agent all of this. He said it must have been a website glitch and assured me he would reimburse me the interest paid. He did not do so. 

On XXXX XXXX, I logged in again the payment options were the same. The payment page again stated that my minimum had been satisfied, and I was invited to pay the remaining statement balance. Once again, I did so. But this time I took screen shots to prove what happened. 

Once again, when my new statement was issued, I saw that the minimum payment had not been deducted, only the " remaining statement balance '' amount. And once again I was charged interest. 

This time, I contacted Citi via email and told them the whole story, including the fact that I captured screen shots of the payment process proving what I say. I referenced the live chat I had with their agent last month. All I received was a canned response not acknowledging anything I said and not offering any resolution. At least this time they did n't try to lie to me about a glitch. 

How many millions of people are they ripping off this way?
Consumer complaint received 2016-09-10
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (FL)

I am a XXXX Veteran and XX/XX/XXXX, had to abandon my NC home, due to unsafe/unhealthy mold. The house was uninhabitable and was way to expensive to repair. I could not do it, nor could I afford to pay someone. 

I had to file Chapter XXXX BK, in hoping to release my name from Deed, due to CitiMortgage surrendering house back to XXXX XXXX. I was NOT made aware that Citi did this and all sorts of back taxes and City of XXXX XXXX " Maintenance '' fees were accruing. 

When a law firm discovered my address, from the last water bill paid, they sent me letters stating that they would foreclose, due to these fees. I panicked and filed Chapter XXXX. 

I thought Citi had control of the mortgage and were going to sell the property. They sneakily surrendered it back to XXXX XXXX. Citi paid XX/XX/XXXX taxes, put a tarp on roof, changed locks and placed anti freeze in pipes. 
( I found this out by neighbor ). 
Citi was also made aware of my abandoning said property via phone call AND mail. XXXX XXXX confirmed this fact. 

One lady at XXXX County tax office, told me that I am not responsible for the taxes, yet the same county office filed a claim against me, including City of XXXX maint. fees., atty. fees, etc.. 

The BK Trustee handling my case, was made aware of this fact and decided to still penalize me, forcing me to pay, despite me making mention of this. I even disclosed the womans name and phone number!? 

One person tells me I do n't owe and another says I owe, even though I walked away from the house due to health/safety circumstances. 

I just finished spending an entire year living in EXTREME poverty, yet ineligible for any social programs, unless I sell all my possessions, which is n't considered as squat! 
I drive a XXXX Dodge Dakota, which is in less than fair shape. 

I am totally disgusted with how things have turned out over the last 10 or so years and I 'm not surprised that many other Veterans in my position XXXX! 
Yet these same people always exclaim : " THANK YOU for your service to our country! "? 

The whole reason behind this financial mess of mine, is primarily due to the Dept. of Veterans Affairs and their " Delay, Deny and Hope that I Die! '' mentality. My claim is over 14 years old. 

XXXX XXXX refuses to release the lean, even though I 'm involved in a Bankruptcy proceeding, unless I pay them {$1000.00}! 
My name remains on the deed until I do so, which as you know I am responsible, if the house is set on fire or someone is injured on the property. 
XXXX 

I also have a separate claim, that I would like to file against XXXX XXXX, but will do so separately.
Consumer complaint received 2017-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I routinely pay my myBestBuy credit card through Citibank in full. Occasionally, I try to make payments in advance of the next billing cycle. This is the only credit card I have ever had that refuses to let me do so, telling me that I 'm not allowed to make any more payments at this time. The ability to send a payment is literally blocked. I just was just charged interest on purchases on XX/XX/XXXX, despite not having financed anything, as far I can tell. It is suspicious that the system keeps clients from making payments. I ca n't even tell if I am going to be subject to finance charges. I want this charge refunded.
Consumer complaint received 2016-05-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (FL)

This is a complaint against Bloomingdale 's Credit Card ( American Express ). The motive of this complaint is because I have both of the credit cards blocked for about 2 to 3 weeks. I have a high frustration for the personnel that functions these credit cards. Every time I buy something in the store, I have to keep calling the Department of Fraud to keep verifying my identity. I can understand that it would happen a couple times by error, but it has happened 10 times. I am insanely mad with the waste of my time and credit because of the frustration of this situation. What else do they need? They keep calling and I have to keep verifying my identity every time. They send me messages with codes, I give them codes and this keeps going on. I ask them, how far will this go? I ca n't do anything or check anything because of the constant blockage. 10 days ago I had bought a large amount of items and when I went to pay the account was blocked once again, and once again I had to do the whole process over again. But this is the limit that I 'm going to take with my patience. This department of fraud says that I have to receive a letter and follow those steps to get my account to normal. They told me that I had an account for Macy 's and it was opened by fraud, which is true because I was a victim of identity theft but this problem was resolved with the Department of Fraud of Macy 's. And everything was resolved through that department and Consumer Financial Protection Bureau. I am tired of the lack of respect with so many verification that I have to do.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MA)

I had a XXXX through their partnership with XXXX XXXX. XX/XX/2016, they mailed me saying they were ending their partnership with XXXX XXXX. I had no desire to continue my XXXX and since they no longer had a credit card to charge I assumed that would be the end of it. 
However, in XX/XX/2016, I received a billing statement from a Citi Visa card I had never signed up for or activated. The statement was for a {$110.00} membership renewal fee on XXXX. Costco had taken out a card in my name, without my consent and charged me for another year 's membership on it. Unfortunately, my wife saw the bill and paid it before checking if I had ever signed up for the card. 
I called Citi Visa to ask them to reverse the fee and they refused, claiming the account was valid even though I had never given consent to create the line of credit. They also stated that this was a transfer of an existing debt, even though the statement lists it as a purchase and I had no existing debt. When I asked for the address to send a formal letter to request the charge be reversed, they first refused and then disconnected the call when I insisted. After redialing, I was able to get the address and issued a written request to have the charge reversed on XX/XX/2016.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

Hello, Summary - XXXX Citigroup Inc.customer representatives assured me {$650.00} credit which I never received as of today ( more than 2 months ). Multiple follow-ups have been done with the Bank. 
XXXX Sequence of events : 1 ) I opened an AT & T Citi Access Credit Card Account 2 ) I made a purchase of more than {$2000.00} in the first 2 months itself. 3 ) I called their customer support service to understand how I can avail the credit of {$650.00} which was part of the discount scheme if I spend {$2000.00} in first 3 months after opening the account. Customer representative confirmed me over the call that I can buy the phone from ANY store using AT & T Citi card and I will get the credit against the phone purchase. 4 ) Based on this confirmation I purchased a phone on XXXX XXXX 2016 from a BestBuy store. 5 ) Citi did not give me the credit so 6 ) On XXXX XXXX I called them again. This time Citi customer representative was reluctant to give me the credit but after talking to his manager he confirmed me that I will be getting the credit once I fax Best Buy phone purchase receipt and my account details to XXXX. I faxed the receipt and details after couple of days. 7 ) Till today I have not received the credit of {$650.00}. IF support representative had completely denied me the credit on XXXX XXXX I had an option to return the phone back to Best Buy store. 8 ) I sent 2 more messages ( from my online bank account ) to Citi asking for the credit. 9 ) On XXXX XXXX I called Citi customer service again. I was told call is being routed to Manager, XXXX representative said same thing that call is being routed to Manager, I will be getting a call from Manager etc. I am very upset and frustrated with the Bank as they misled me multiple times. On top of it then applied late payment charges on my account. 

My concerns are 1 ) I have not received the credit of {$650.00} and 2 ) Bank has applied late payment charges to me, this would not have occurred if they had applied credit to my account on time. 

I sincerely request you to look into this matter and help me resolve the issue. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I signed up for a CitiGold checking account with Citibank using the promo code : XXXX. The promo was for XXXX XXXX XXXX miles if you submitted 2 bill pay transactions and complete a purchase of {$1000.00} or more with your Citigold Debit card. I got confirmation that I meant all of the criteria for my promotion from Citibank customer service multiple times but have been denied the points.
Consumer complaint received 2017-03-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (CA)

I have repeatedly requested that Grant & Weber provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2016-10-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (PA)

i have been a customer and investor at the XXXX branch XXXX, XXXX M & T bank since they opened years ago. 
when withdrawing {$6000.00} from my checking account XX/XX/2016 i had an unpleasant experience with XXXX. he was arrogant and condescending, and evidently does n't care if i bank here or not. 
thank you.
Consumer complaint received 2015-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Kelsting Group, Inc. (CA)

My sister and me bought the house in XXXX in XXXX House ; XXXX, California under the XXXX XXXX XXXX XXXX. Unfortunately after paying all the bills up to XXXX XXXX, XXXX and after this we decided to foreclose the house due to financial problem. After the house was foreclosed the XXXX XXXX XXXX took over the house, which after this we do n't know what happened? We did n't receive any letter/notice from XXXX XXXX XXXX XXXX. 
We thought that we do n't owe any payment to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX until I received the summons notice from Credit Bureau Associates. The address of the Credit Bureau Associates is XXXX XXXX XXXX in XXXX of XXXX, California XXXX. Their telephone number XXXX. The summon notice which I received was in year XXXX stating the amount of {$7500.00} which they want me to pay. Of course I do n't want to pay this amount so I went to the court in XXXX in XXXX, California but unluckily I loss the case. When I go over all the paper works from the Credit Bureau Associates and XXXX XXXX XXXX XXXX I found out that they did n't not send me any bill to the address where I am living since XXXX up to the present. If the XXXX XXXX XXXX XXXX send me a bill using my real address where I am living for almost 34 years ( my only address ) I would have take care of it but since they did n't send me the bill thus it went to debt collector agency XXXX Credit Bureau Associates XXXX year XXXX. 
That is why I am disputing it cause for me its not my fault but their fault of not even sending me a bill, first bill since we foreclose the house. I was just shocked when the Credit Bureau Associates summon notice.
Consumer complaint received 2016-10-05
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JDJ Investments, INC. (LA)

These medical collections that the collections agencies keep hounding me about that are on my credit report have been illegally obtained. They are in violation of XXXX. They sent me back itemized bills of procedues, medications, etc. Straight from the medical facility. I sent certified letters to the collections agengies for validation of debt and the had nothing signed by me stating that it was ok to obtain all my private and person medical records that were specifically written on a bill..I will also send a XXXX Violation letter to these reporting collection agencies.
Consumer complaint received 2015-05-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Optimum Outcomes, Inc. (MO)

Optimum Outcomes is reporting to XXXX a collection in the amount of {$740.00} for XXXX XXXX with a delinquency date of XXXX XXXX. I was seen at XXXX XXXX in fall of XXXX but medical insurance paid the full amount since I had met my deductible. I have lived at my current address in XXXX since XXXX XXXX. I never received a XXXX day collection activity from Optimum Outcomes and it was reported to XXXX XXXX credit file without me being able to fully validate debt. Optimum Outcome is in direct violation of federal law by reporting inaccurate debt by re-aging the delinquency/open date to XXXX XXXX which is illegal. If this debt did occur it would have been in XXXX and the delinquency date would have started then, but since I tried disputing the debt, I am unsure if I owe this medical debt which also violates HIPPA Laws. I did dispute the debt but it remains on my credit file and has been being reported since XXXX XXXX. Since they have re-aged a debt or received misinformation from XXXX XXXX XXXX XXXX XXXX and reported inaccurate information they Optimum Outcome is in direct violation of federal law under the FCRA. If the collection item is not deleted I would like FCRA penalties and fines against the reporting company, Optimum Outcomes. I have lived in XXXX since XXXX XXXX and can prove this address was on my credit file then and proof of employment starting in XXXX XXXX.
Consumer complaint received 2017-03-29
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Optimum Outcomes, Inc. (NC)

I have been attempting to work with Optimum Outcomes who is collecting on my medical debt. They wo n't provide written communication without me repeatedly calling and they will not allow me to make reasonable monthly payments on the debt. I am given different options each time I place a call and none of them make sense or are reasonable. One persons said that they would let me pay half of the debt owed as a settlement but when I called back I was told that I could only get 10 % off. Then when I attempted to make a payment arrangement of {$50.00} per month I was told that they could n't accept that and they would continue to report me to the credit agencies. I also asked to settle the debt for {$500.00}. They claimed that they would contact the original lender to review this but they never followed up with me so I called back and they said no. I asked for documentation and they said that they do n't provide documentation. I keep getting the run around and I need resolution.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FCC Finance, LLC (TX)

XXXX XXXX XXXX took over XXXX several years ago and began mailing payments back to consumers, including myself. In the process, I did a short sale of the property and FCC Finance, LLC agreed to a payoff balance along with releasing the lien on the property. The title company facilitated the payoff balance with a wire transfer being sent to FCC Finance, LLC. FCC Finance, LLC continues to harass and demand payment for the loan that they agreed to settle with payment wired on XXXX/XXXX/2013. They have submitted a bad debt report to XXXX and are continuing their attempts to collect what is not owed to them. I have spoken previously to FCC Finance, LLC and they insist that I owe them. This company has pretended to be the district attorney 's office on one instance that they called. On another instance, they pretended to be XXXX and was given my personal cell phone number to further harass me. They have called my work and harassed me over the last 3 1/2 years.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I applied for a Citigold Checking account using the promotion code XXXX with offer terms stating that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 days from the end of the statement period in which you complete all offer requirements. '' The relevant account was opened on XXXX XXXX, XXXX and the offer requirements were met during the XXXX and XXXX statement cycles. The XXXX cycle closed on XXXX XXXX, XXXX. 90 days from XXXX XXXX, XXXX is XXXX XXXX, XXXX. 

The 90 day period following the completion of the offer provided ample time for Citi to fulfill its promotion. At no point during the 90 day window were the points credited per the terms of the promotional agreement. I have contacted Citi on multiple occasions XXXX during and following this window to establish the status of the points, but have not been provided with a satisfactory response. 

In my most recent correspondence with Citi, I explained the problem, of which the bank was already aware. I further expressed that Citi 's delay was preventing me from using the credit to purchase upcoming travel. The representative was unable to explain why the points had not been credited and was unable to provide a reasonable date upon which the promotional points would be deposited. The representative in question refused to resolve the issue and terminated the phone call. 

Citi has demonstrated a clear unwillingness to resolve the case. The bank has engaged in misleading marketing practices and false advertising by failing to deliver upon the terms and conditions of their promotional offer.
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On the XX/XX/2016 XXXX XXXX weekend. My Chase debit cards were stolen. And my information was hacked. Someone applied fraud claims against my Chase accounts and also applied for credit cards and loans. I called Chase about this as my usual direct deposit was frozen in my account and taken by Chase. Chase forced me to pay {$200.00} to clear this claim to keep my accounts. I informed Chase there is a {$2000.00} claim on my account that I did not do additionally to the first claim I paid {$200.00} for. Again I am located in XXXX not XXXX where these withdrawals were made from my account after the claims were made. After I settled this {$200.00} claim all of my Chase accounts were closed. I informed Chase several times that my information was stolen and I would need new cards and to possibly change my accounts. I never received any new cards from Chase. Chase came back to me stating I owe the amount of {$2000.00} that I informed them that I did not file this claim and the {$2000.00} they are levying against me is null and void because I did not have my Chase card. XXXX I did not file the claim and XXXX I did not withdraw money from the account as I explained to Chase I live in XXXX not XXXX where this took place. Because Chase is a huge company that continually attempt to bully customers and I will not take that. They should be called to mat for this.
Consumer complaint received 2021-11-25
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. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.