davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (FL)

Following a refinance in XXXX XXXX, my Loan Servicer did not pay my XXXX Real Estate Taxes from my escrow account in XXXX, the customary time that taxes are paid from escrow. I had an amount listed in the Servicer 's website that provided me with an amount paid in XXXX. On XXXX XXXX, XXXX, The Real Estate taxing authority sent a delinquent tax statement to my home. I researched the Real Estate Tax paid with the taxing authority and discovered that the Real Estate Tax listed on the website was paid in XXXX ( a prior Lender paid the XXXX taxes from escrow ). I have been in contact with the current Servicer and they are making arrangement to pay the XXXX Real Estate. However, I am told that I can not deduct the XXXX Real Estate tax from my Federal Income Tax return since the tax was not paid in the calendar year. This increases my Federal taxes. The Mortgage Interest Paid ( Form XXXX ) did not list Real Estate taxes!
Consumer complaint received 2016-06-16
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (NE)

I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date. 

As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.
Consumer complaint received 2017-02-02
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (NC)

A collection agency called Admin Recovery has been calling my workplace. I 'm usually too busy to take personal phone calls while I 'm working so a coworker will take a message for me. This evening, a representative who called himself " XXXX '' called after I had already left and told my coworker that if I did n't call him back that he was going to call my company 's corporate office to complain and he hung up on her. I do n't appreciate my job being threatened over something like this. The behavior being exhibited by this company is, in my opinion, highly unethical. I moved last XXXX and none of my mail got forwarded. It took a while to get it settled and put me really far behind on some of my bills. I 'm catching up as fast as I can but I 'm a single mother working XXXX hours a week in a XXXX and it 's hard. I ca n't believe that man would threaten to call corporate on me like that!
Consumer complaint received 2015-11-08
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: DriveTime (AZ)

As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.
Consumer complaint received 2015-09-12
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A. (PA)

To whom it may concern : This is to let you know that I requested XXXX XXXX XXXX XXXX XXXX on XXXX 2014 to cease all collections activities since the debt in question is time barred and is no longer collectible or enforceable ( see attached ). 

The initial date of default on this debt XXXX original creditor : Citibank XXXX was over XXXX years ago. I have never acknowledged this debt, or made any promise to pay. This debt is past the statute of limitations in all states, including Pennsylvania. 

XXXX XXXX XXXX XXXX has violated provisions of the FDCPA by implying that the legal status of the debt is collectible ; specifically, by reporting the debt to credit bureaus ( see attached XXXX print out ). The specific provision violated is : XXXX 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debtand ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

I would like to solicit your help and expertise in dealing with this matter, as this company may be exploiting law-abiding citizens of the XXXX of Pennsylvania. 

My ideal outcome would be : a ) proof from XXXX XXXX XXXX XXXX that this debt is enforceable - if at all it is. This includes all prior monthly statements and payment records on this account. 

b XXXX confirmation from XXXX XXXX XXXX Equities that they have requested the immediate removal of these records from my credit reports XXXX XXXX XXXX. 

c ) under the FCRA and FDCPA, each violation is subject to a {$1000.00} fine payable to me.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

For over month citi bank financial websites have been down for my Macys credit card and my best buy credit card. I 'm unable to track my spending, check when my bills or due, or make payments. Not only are there websites down but when I call there are really long waits to talk to someone. I should be able to monitor my activities and keep track of my account at any moment to make sure that I 'm using my cards responsibility. Citi bank is making tracking/monitoring difficult.
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: ZENCO COLLECTION, LLC (IL)

I received a call from " XXXX '' and a " XXXX XXXX '', regarding an old XXXX credit card that was charged off in XXXX and then I settled with a collection agency in XXXX. He threatened to freeze my bank accounts, flag my vehicle plates and told me that if I were in the vehicle that I would get arrested. I faxed him a letter from XXXX stating that I entered a settlement and he told me that he was going to press charges against me for fraud. He spoke to my husband about this debt and that I was a horrible wife for racking up debt while he was off fighting a war.
Consumer complaint received 2015-05-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2015, CitiCard put a charge of XXXX on my credit card from XXXX XXXX of XXXX XXXX. I went online on XXXX XXXX and saw the charge on my credit card and called CitiCard and told them I did not make this purchase and I did not want them to pay it. They asked if I had ever bought from this company and I said I had but I did not authorize this purchase and I did not want them to pay it. 
I had previously agreed to an Autoship in 90 days in the amount of XXXX, with the right to cancel the Autoship. I cancelled the Autoship on XXXX XXXX, 2015. I never agreed to the XXXX XXXX, 2015 charge of XXXXXXXXCitiCards sent me a follow-up letter to which I responded. They asked for a copy of the order. Since I did not order anything, and this was an unauthorized charge, I did not have a copy of any order. They sent me a XXXX letter again asking for a copy of the order. I responded again telling them I did not place this order and did not have a copy of the order. Then they sent me a letter saying they had finished their investigation and I had not supplied what they had asked for so they were recharging my credit card for the XXXX The only thing they asked for was a copy of the order. Since I did not place this order, I do not have a copy of an order to send them. 
I had called the XXXX XXXX that made the fraudulent charge to my card and told them to remove the unauthorized charge. They said a mistake had been made and they had already sent merchandise and to return it unopened and they would issue a credit. I did not accept the package. It was left on my doorstep by the postman. I took the unopened package to the post office and returned it to the sender with a tracking number so I had proof it was returned. When the company did not issue a credit, I filed a complaint against them with the New Jersey Attorney General Consumer Affairs Division because the address was in New Jersey. After I filed the complaint with the New Jersey Attorney General, I tried to call the company but they did not answer their phone.. 
Citi advertises XXXX Liability for unauthorized charges. I did not agree to buy anything and I did not authorize this charge. I have sent CitiCards a notarized letter certifying that this was an unauthorized charge and asked them to remove the charge from my credit card. They have not removed the charge. 
I believe CitiCards has violated the law by trying to make me pay for a fraudulent charge I did not authorize, and because they have not honored their advertised XXXX Liability for unauthorized charges. They have now added late fees and interest to my card. I expect CitiCards to honor their guarantee and remove this charge and fees from my credit card. 
I am attaching copies of our correspondence, a copy of my notarized letter and a copy of my complaint to the XXXX Attorney General against the company that put the unauthorized charge on my credit card.
Consumer complaint received 2015-07-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

I had a Citi Mastercard Platinum and before that another name that was fixed 9.9 % when I called them about another issue the man encouraged me to switch to another type of Citi Master Card that offered restaurant etc advantages, a sales pitch ;, to obtain a Diamond preferred Mastercard, keeping the same number. What he failed to disclose was that by taking this offer I lost my fixed rate to a variable rate. I want my 9.9 % fixed rate back. They also changed the amount of time i was a member with them. These things affect me in that our USA and global economys could go bad at anytime and as a variable rate a credit card company can request market rate which could be exhorbiant. I am worried about them being able to change the rate on me at will. Also, and/or that any of this could effect my credit rating which is extremely good. Please help me get my fixed 9.9 % rate back.
Consumer complaint received 2015-04-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (CA)

I DISPUTE THE CHARGES HAD BEEN MADE BECAUSE I WAS INCARCERATED AND BEING DETAINED I HAVE THE RIGHT TO REFUSE EXTRA LATE FEES OR CHARGES I CAN SEND A LETTER OF THE PROOF OF DETENTION AND INCARCERATION I AM NOT DELINQUENT FOR MY BILLS AND I AM A VICTIM OF IDENTITY THEFT AND I WANT TO SETTLE MY ACCOUNT.
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

I received a letter on XX/XX/2016 from Citi stating that I had been enrolled in their Credit Protection program. The fee for this " service '' was {$.00} per {$100.00} charged even if the balance was paid in full each month. I contacted Macys for which Citi was acting. They could not understand how any of this had happened because the card had been cancelled years before. When I contacted Citi they could not explain how it happened. I strongly suspect something along the lines of the XXXX scam. When I googled Citi I saw that they were forced to return XXXX to consumers over a year ago for the same practice I was subjected to.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I opened a Sears credit card for the purpose of purchasing a washer/dryer pair from Sears XXXX store in XXXX 2015. I was told as my sister is my witness that by opening credit card account to make purchase and buy the warranty that if I paid the purchase in full in 6 months that the warranty would be free. By XXXX I had paid {$1000.00} which was the purchase price believing that my account had been paid in full and that the warranty price would be adjusted since payment in full had been made well before the 6 months. By late XXXX I continued to receive bills from Sears regarding the remaining balance. Believing this to be a mistake, I contacted the credit department before the XXXX XXXX, payment was due. I explained the situation to XXXX who offered to extend the promo for another 6 months while this concern was being resolved. I had spoken with XXXX and XXXX in XXXX, XXXX in XXXX and XXXX and XXXX in XXXX. Supposedly this has gone to store manager XXXX XXXX, district manager XXXX XXXX and most recently to XXXX XXXX regional manager. No one has contacted me to resolve this issue. I was given a case number and every time I called I have to explain this situation to every representative thinking someone is going to help me. This has been the worse customer experience I have ever received. XXXX did make contact with store while I held for 20 minutes. An assistant manager XXXX came on the phone and said he had no way to contact district manager which I find hard to believe. It appears they do n't want to deal with this because what I told obviously was not true. I was misled into opening the account and now I am paying for something that should have been free. This is dishonest and wrong. You ca n't mislead consumers. They need to refund what I have already paid since XXXX and adjust the remaining balance. Rest assure, I will make no further purchases from Sears. I thought they were reputable and would take quick steps to resolve this. The corporate escalations well as the stores are playing games. But this is not funny nor is it right. I wonder if the CEO is aware of how they are running this company. I 'm sure social media would have a field day knowing Sears and Citibank are scamming customers.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

Hi, I applied for the Citi XXXX Honors Visa Signature Card on XXXX XXXX through a promotion I received via email to earn XXXX XXXX Honors points after spending {$2000.00} on the card. I had the card previously, but I have just gotten a new job where I will be traveling quite a bit and figured the XXXX card would be good to have once again. I read through the details of the bonus offer and realized it would still be possible for me to earn the bonus despite having had the card in the past. I applied, was accepted, and quickly met the bonus spending requirements on some gifts I needed to purchase. 

When I sent a secure message to confirm the bonus requirements and to confirm that the bonus was indeed tied to my account I was told I would not be receiving the bonus. I was confused because I had received an email for the offer and the offer page I applied through did not mention anything about not being able to receive the bonus if you had previously had the card. 

I would just like to try and get XXXX points that I applied for. I received a credit pull on my credit history to open this account and it would be a shame if I opened the card for an offer I thought I was eligible for but can not get through some error of Citi 's. 

I 've attached screen shots from my application process to confirm my information. Any help would be much appreciated. 

Thank you!
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

Macy 's, now for a third time in as many years charged me a late fee of ( this time ) {$27.00}, plus an interest charge of {$5.00} on my most recent statement balance due of {$280.00}. I mailed the balance of {$280.00} last month ( from XXXX, XXXX to XXXX, XXXX ) on XX/XX/2016. The payment was due on XX/XX/2016. Macy 's posted the payment in their system on XX/XX/2016 ( one day late ... conveniently ) which resulted in them charging me the late fee and additional interest charges. As above, they have done this to me before, and when I call customer service, they are " happy to reverse the late fees and interest for a valuable long time customer. XXXX ( customer service rep # XXXX ) stated that " we always waive fees if our customer is upset ''. I confirmed with her that the call was being recorded. I have closed the account, but I 'd like this investigated. I believe they purposefully hold checks for posting until the account is late, for the purpose of adding late fees and interest. 

I typically have paid my balance in full with them as soon as the statement comes after I have used their card. Again, this is not the first time they have done this to me, and I see quite a few complaints about similar behavior with other consumers on the internet. 

I am happy to share statements or any additional details you may need to properly investigate this matter. 
Thank you!
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MA)

CitiBank ran a credit card promotion on XXXX XXXX XXXX, the promotion offered " XXXX ThankYou points after {$0.00} spent in 3 months '' when applying to their Citi ThankYou Preferred Credit Card. I applied to this card online and was approved. 
Upon receiving the card, I noticed the written promotion became " XXXX ThankYou points after {$1500.00} spent. '' I called CitiBank, and was told the original promotion was " their mistake, '' but they would honor it if I faxed in the screen shots showing the terms of original offer. Furthermore I was told if I spend {$1500.00} or more, I would be awarded XXXX points ( from the original offer ) and an additional XXXX ThankYou points ( from current offer for spending {$1500.00} ), essentially make the promotion to be XXXX ThankYou points rewarded after {$1500.00} spent. 
I faxed in the screen shots of the original offer in XXXX XXXX. And within 3 months, I spent the {$1500.00}. However after 3 months I noticed I was awarded XXXX points instead of XXXX. I called CitiBank, but was told that the additional XXXX points are being processed separately, and it will be deposited into my account likely within a month. So I waited another month, and when no points were deposited I called back again, and was reassured again that they are still taking corrective actions but needed another month. This continued every month for the next several months -- each time I called back they would assure me the same -- until XXXX XXXX. When I called in XXXX the representative on the line told me since they had already deposited XXXX points, they consider my case to be " corrected '' and no additional points will be awarded. When I mentioned that CitiBank has been promising XXXX points all along for the past 7 months, the representative refused to acknowledge and said she considers my case has been resolved. 
In summary, CitiBank first used false advertisement to get people to apply to their credit card. After the card mailed, they claimed the initial offer was " a mistake '' and promised a resolution to get people to spend money on the card. But after their customers meet the spending requirement, they refused to honor their promise.
Consumer complaint received 2015-11-30
Product: Credit card — 
Issue: Balance transfer fee — 
Company: CITIBANK, N.A. (OH)

This is a continuation of case # XXXX where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my XXXX payment to 1 ) pay in full the revolving debt of {$1500.00} and 2 ) apply the remaining payment toward the deferred billing of {$1100.00}, I was charged {$16.00} to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the {$16.00} out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I explained that this was how Sears handled my money to allocate in a fair-practice way. She reminded me again that when you do a balance transfer over the phone ( which I did n't do over the phone ; I used their convenience checks ) that the operator reads pages and pages of disclaimers. This is a nightmare that does not end.