davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (DC)

On XX/XX/2020 the XXXX  dollar annual fee for my CitiBank XXXX XXXX Platinum Select Card post to my account. On XXXX XXXX I contacted Citibank 's Consumer Credit Division to ask if it was too late to cancel the card and have the annual fee refund. The Citi representative replied that it was not too late to have the annual fee refunded if I canceled the card, as Citi would refund an annual fee as long as the card was canceled within 60 days of the fee posting. Given that information, I asked and was approved to close my Citibank XXXX  Platinum Select on XX/XX/XXXX. When I noticed that the annual fee had not been removed from my account the following day, I again called Citibank and was informed on XX/XX/2020 by another representative that the fee would be removed as I had cancelled within Citi 's 60 day refund window. I assumed the matter was closed and did not monitor the account further. 

On XX/XX/2020 I received an email, noting that I had a XXXX  dollar past due payment on my Citibank XXXX  Platinum Select Credit Card. After verifying that the fee was in fact still on my account, I attempted to contact Customer Service with seven separate calls. I was placed on hold for more than two hours for two of the first six calls. For four of the first six calls, the automated system ended my call during my wait period with no explanation. I was finally about to speak to a Citi customer service representative on my seventh attempt. The representative informed me that she could not remove the annual fee from my account, as Citi had recently changed its annual fee refund policy, saying that while it had previously been 60 days from the fee posting it was now 37 days. I pointed out to the representative that was not what I had been told when I cancelled the card, and noted that if I had known I would need to pay the annual fee regardless, I would have at least chosen to keep the card for the additional year to take advantage of the benefits. I also pointed out to the representative that no where in Citi 's Card Member Agreement do they define a specific timeline for how long a client has to request a refund after an annual fee posts to their account. I also pointed out that I had never received any notification regarding Citi 's refund policy change. Most importantly I felt it was completely unjust that I am expected to pay an annual fee for benefits I will not be able to use, as I had already cancelled the card based on different advice.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NE)

I sold my house and the sale closed on XXXX XXXX, 2016. Ditech was servicing the loan. The company has failed to refund my insurance escrow premium. I have made repeated inquiries to the company and the only reply is that they are looking into it. From what I can determine, Ditech may have sent a refund check to the wrong address. The company will not, however, address this issue.
Consumer complaint received 2017-05-20
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. (NJ)

Equifax has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost my credit score to plummet substantially. They have as of today  XXXX   XXXX ,2017 removed my    XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  ,  XXXX   XXXX    is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I am also an authorized user on  XXXX   XXXX   XXXX  credit cards that they have removed and I am also an authorized user on a  XXXX   XXXX   XXXX  credit card that they have also removed. I have contacted all the  Data Furnishers and they have all re-reported the accounts and Equifax has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Consumer complaint received 2016-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MA)

My payments through XXXX 2016 my payment was XXXX where a percentage went toward the principal and an additional percentage went toward interest. As of XXXX XXXX, my mortgage company changed my payment from XXXX to XXXX and put it all toward interest, with nothing going to the principal. They did this without contacting or notifying me of any changes.
Consumer complaint received 2016-08-23
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ECMC GROUP, INC. (TN)

Due to an insurance mix-up a medical bill got turned over to a collection company without my knowledge. I was doing an annual credit check when I found it on my credit report. I called XXXX to find out what it was about. I told her that I had never received anything in writing about this collection notice. She told me that they made several calls. Because I get so many spam calls I do not answer unless I know the caller. They can leave a message and I will respond if it is legitimate. IF they left a message it was too non-specific for me to consider it anything other then another spam - like the IRS one going around. But again, I NEVER received a collection notice.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Data Corporation (VA)

TRS recovery services, INC. sent 3 separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

Di tech refused to conduct an escrow analysis and then when they finally did the analysis they found that the account had {$3000.00} extra in the account. As of XX/XX/XXXX.2016, we have not received the return of funds over the required minimum. Escrow analysis was completed in XXXX 2016 and then in XXXX the PMI was dropped from the account and another analysis was done and new amount was statwped, but the XXXX and XXXX payments were made in the amount of the new XXXX amounts, but they were crediting the account for {$75.00} less than was payed. 

On XXXX XXXX, 2016, spoke with XXXX and she stated the extra was in an overpayment account except it did n't add up to {$150.00} and futprther went in to state that XXXX payment paid XXXX and then on XXXX XXXX an payment of XXXX was made thus they say the account was up to date XXXX it came from an overpayment account, but the account has never been late and no payment had been missed. Requested a payment history sent to me, refused, stating it would be sent to Netherlands attorney on record. They never communicated a payment behind through the attorney. 

Ditch will not send a bill with amount due since account is in active bankruptcy and when you call to ask for amount, they say pay what you paid the previous month.
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

We originally got a loan with a company called XXXX. They sold our loan to GreenTree who in 2014 paid the wrong company for our property insurance out of our escrow account. Not wanting that to happen again this year, I called in XXXX to speak to a representative. She eventually transferred me to a rep for XXXX XXXX who supposedly emailed them what was needed. End of XXXX I received a letter from XXXX who has now taken over GreenTree saying my insurance is n't paid and so I call customer service again who assures me it will be paid on time. XXXX rolls around, XXXX XXXX still has n't been paid, and XXXX sends me a FINAL NOTICE regarding the hazard insurance. They were going to force me to buy insurance from them. I called ditech again and requested a supervisor who finally informed me their concern was insurance for the structure which is paid by the HOA. I faxed them what they wanted. Then I received a notice yesterday. Our escrow account is " short '' and they are raising our payment to make up this shortage. Turns out they not only paid XXXX XXXX the {$540.00} we owed them, but ALSO sent a {$840.00} check to XXXX who we do n't use for insurance on this property. We want our {$840.00} back and this escrow issue resolved so we do n't have to deal with it for a third year.
Consumer complaint received 2015-05-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

The mortgage company ( Green Tree Servicing LLC ) sends billing statements out late or not all. Many times the statements are not up to date ( correct billing amount ). Then they hit you with late fees and bombard you with harassing phone calls throughout the day trying to get you to pay by credit card over the phone. When I purchased the property, my aggregate credit score was XXXX and I have n't had these problems with previous mortgage companies.
Consumer complaint received 2015-12-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise.
Consumer complaint received 2017-05-20
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: DISCOVER BANK (NJ)

XXXX   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost  my credit score to pl ummet substantially. They have as of today    XXXX   XXXX  ,2017 re moved my   XXXX   XXXX   XXXX   Discover Card,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all th e Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.
Consumer complaint received 2017-03-22
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC ()

I am aware of the payment that I owe to the XXXX. Money was being deducted from my XXXX paycheck to satisfy the money owed and the deductions stopped a few months ago. If I still owe money I can continue to make monthly payments of {$200.00} but the amount that they claim I owe does n't seem correct to my knowledge. I need someone to review my payment history.
Consumer complaint received 2016-03-29
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: ZENCO COLLECTION, LLC (TX)

I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. 

He got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. 

I hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (KS)

I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.
Consumer complaint received 2015-03-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (SC)

Citi Corps calls some days up to 9 times per day. I have phone log to prove it. They start at XXXX XXXX. can do not stop until XXXX XXXX. They also have a number displayed that I have tried to call back, it will only ring twice and cut off. They also call here with a message in XXXX. I speak English only. They are breaking the law by their harassing phone calls. They also have called on Sundays which I requested months ago for them not to call me on Sundays.
Consumer complaint received 2016-09-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (PA)

on XXXX XXXX, 2016 this writer sent the allege mortgage servicer Citi Mortgage ( CITI ) a Qualified Written Request ( QWR ) on XXXX XXXX, 2016 Citi gave a response but failed to answer the QWR in its entirety. There is NO FORECLOSURE PROCESS nor was I EVER IN DEFAULT as stated in the notice from CITI. This information from Citi Mortgage is totally fabricated. I clearly requested the LOANS ORIGINATION.. this was totally ignored by CITI By law and as a consumer I have a right to ask for my loan origination etc under the FEDERAL SERVICER ACT, which is part of the Real Estate Settlement Procedures Act, XXXX XXXX XXXX XXXX XXXX XXXX. 
A second request is being sent once again requesting the documentation not received from Citi mortgage. They are in violation.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I made a payment online to pay my Macy 's credit card in full. I received a notification by email that my payment had been applied to my account. I never received any further notification that the payment was rejected. Macy 's contends that they sent me a letter by mail -- even though I had elected to receive notifications by email -- but I did not receive any such letter, nor did I receive an email. I was not notified of the returned payment until my next statement, at which point a {$25.00} returned check fee had been applied. Macy 's refuses to refund the {$25.00} returned check fee. They contend that the check was returned because the account number I provided was for a closed account. However, they admit that the account number they recorded was only XXXX digits long. It is not possible that I entered a XXXX account number in both fields where the account number is requested in the Macy 's online payment flow. I 'm aware that my account number is much longer than XXXX digits, and the Macy 's system should not and would not accept a XXXX account number. It 's clear that the payment was rejected due to a technical error on the part of Macy 's, and that I was not informed of this error in a timely manner. Furthermore, as a result of this issue, I incurred an adverse credit score. I would like to request your assistance with reversing the returned check fee that Macy 's charged me, as well as repairing the damage to my credit score.
Consumer complaint received 2016-04-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NM)

XXXX/XXXX/16 - My Macy 's credit card account was used to make a {$78.00} purchase at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX . I had not lost my card ; I had never activated it and it was sitting in my cupboard. 
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option, I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it, as I requested. 
XXXX/XXXX/16 - Arrived home after a week-long trip to find another bill from Macy 's for {$100.00}, consisting of the original {$78.00} plus {$29.00} in late fees/interest. 
XXXX/XXXX/16 - Wrote a letter to Macy 's explaining the problem. 
XXXX/XXXX/16 - Began receiving recorded calls from Macy 's to pay my credit card balance. Called back and was connected with their Fraud Dept. Explained the situation again and found out that I should have been sent a fraud claim form to complete in order to notify them of fraud. 
XXXX/XXXX/16 - Received the fraud claim form ; completed it and mailed it back on XXXX/XXXX/16. 
XXXX/XXXX/16 - Received a third bill from Macy 's for {$140.00}, consisting of the original {$78.00}, plus {$68.00} in late fees. 
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}, due XXXX/XXXX/16, stating " This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card, and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it, I should not have to pay any late fees which result from their bad decisions or incompetence. 

I am asking your help in getting these charges removed from my account and also in closing the account.
Consumer complaint received 2015-05-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

I continue to get debt collection notices from XXXX , XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that XXXX , XXXX cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.