davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

I applied for a Citi business credit card under a special promotion to receive XXXX bonus miles after spending XXXX dollars. After spending the XXXX dollars i did n't receive the bonus miles. I contacted Citi to ask that the miles be awarded and they claimed I already had the product and i would n't be eligible for the bonus on both cards. I checked my records only to realize that I had the personal credit card however I had n't opened or closed the business card within the 24 months. I explained this situation to Citi Bank however they refused to award me the XXXX and continued to claim that I did indeed have the product. I would like Citi to award me the XXXX bonus miles as was stated in the offer terms. I fulfilled my end of the agreement but Citi refuses to fulfill their part of the agreement.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

RE : sears credit card # XXXX XXXX XXXX XXXX Last for digit SS # ; XXXX Under settlement and as suggested by citibank I tried to pay {$600.00} remaining balance but I could not make payment via XXXX XXXX XXXX or XXXX XXXX XXXX. On XXXX/XXXX/2016 between XXXX and XXXX ET I spent more than a hour to reach right person to make payment. They kept on transferring my call one to the next and eventually cut me off two times. Only GOD can have mercy. Please give an address to mail $ XXXX, so that will be the end of the matter. CFPB can verify what is stated here using my account number, etc. This is really bad.
Consumer complaint received 2017-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CO)

I contacted Citimortgage to attempt to remove PMI from my mortgage loan. The conditions under which they would remove the PMI ( XXXX % XXXX with a new appraisal ) were different from the paperwork I signed at my closing ( XXXX % XXXX with new appraisal ). My original loan was with a different company, but they sold it to Citimortgage. I paid Citimortgage for an appraisal as the identical unit next to mine appraised a few months prior well below XXXX %, but it came back at XXXX % XXXX. I asked for a review of the appraisal as one of the homes they used was in horrible shape and on a busy street, but they refused to adjust my appraisal. Regardless, I do not feel the terms under which PMI is removed should be different from the original loan paperwork I signed ( which was XXXX % XXXX XXXX
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I contracted with a photographer in XXXX XXXX ; the photographer validly billed me on XXXX XXXX, XXXX, via my CitiBank card. I paid my Citi card bill on XXXX XXXX, XXXX. In XXXX, the merchant submitted a duplicate charge. I contacted the merchant ( by email ) and they agreed to reverse the charges. Something went wrong with that process ( the merchant claimed they submitted the reversed charge, but it did not come through ). I contacted Citi by phone and initiated a charge dispute, explaining all of the above. They sent me a form to complete " if providing additional information '', I did not have any additional information they would need, so I did not complete the extra form. They closed my dispute saying I had failed to provide the form. I contacted them AGAIN and read the wording to them that clearly says the form is only required when submitting additional evidence or information. Citi claimed however that the form is " required '' by regulation, and that I had to restart the dispute. I did this under protest, and they reversed the charge. However, since that time, and despite having emails from the merchant saying that the second charge is invalid ( a duplicate ), Citi has failed to resolve the dispute and continues to re-apply the charge, requiring me to continue disputing it over and over again. Citi is providing information from a third party ( XXXX the POS processor used by the photographer ) to claim the charge is valid. However, they are providing proof of ONE valid charge ( which both I and the merchant agree is the valid, initial charge ) and they have never been able to provide proof that the second charge is valid. Regardless of this, they keep posting the charge with each statement cycle, requiring me to keep disputing it. In my most recent dispute of the charge, I 've demanded that they permanently reverse the charge and do not post another. However, I am contacting CFPB to register a complaint about their handling of the dispute. They invalidly closed my initial dispute ; have taken far in excess of 90 days to resolve the matter ; and have accepted responses and " proof '' from a third party without ever contacting the merchant. They communicate with me by email but insist that I complete hard copy forms and fax them or scan them, and then indicate that my proof ( correspondence from the merchant ) is insufficient to overcome the proof they have on file ( evidence of only the single, valid charge ). I 've spent so many hours disputing this against my credit card company, when the merchant themselves admitting the second charge is invalid.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CO)

On XXXX an online fraudulent transaction/purchase was made on my Macy 's American Express card. I reported the incident to Macy 's after it was discovered, on XXXX. A police report was originally filed on XXXX to the XXXX ( Report number XXXX. ) A Statement of Fraud was faxed to Macy 's originally on XXXX, again on XXXX and again on XXXX. I have documentation of XXXX calls I have made to Macy 's and Citi to try and resolve the fraudulent transaction/purchase.
Consumer complaint received 2016-07-14
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (UT)

I noticed a fee charged to my best buy credit card as Debt protection. I only use this card for large TV purchases and have the account set up on paperless billing and automatic payments so I rarely view my statements. I contacted Best Buy regarding this charge and that is when I was told that it has been on my account since XX/XX/XXXX when I opened my credit card with them. I advised them at the time when I opened this account that I do n't qualify for this services because I am considered self-employed as an independent contractor and declined the protection. I worked as an independent contractor from XX/XX/XXXX to XX/XX/XXXX. I believe that they falsely enrolled me into a services knowing that I did n't qualify for there benefits and by them enrolling me into paperless billing is an easy way that this charge goes unnoticed. There were numerous months were I did n't have an income since I was an independent contractor and work was slow I was n't given any information that these benefits I am extremely upset that I trusted this company that they would n't steal from me. I have since requested proof of my acceptance of this service and a full refund of all monies charge to my account. It is unclear how much I have been charged over the years since I do n't have access to view older statements online and I have always been enrolled in paperless billing. However if they charged my account without permission I have little faith that they will correct these matter to my satisfaction. If I have too I will seek legal action.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/16 I applied for a Citibank Citi Gold Account over the telephone. During the process, I provided a promo code that I received that would award me XXXX XXXX XXXX once certain requirements were met at a specific time. I was informed by the Citibank agent that I qualified for the promotion and that once I completed the requirements, I would get the XXXX XXXX. I 've aleady met the requirements. However, Citibank is denying me the miles as they now claim that I was not " targetted. '' I understand that Citibank records all conversations and that my application over the phone was indeed recorded. I went ahead and opened such account with the promise that I will be awarded miles once I completed their requirements. I did my part, now is up to Citibank to do theirs and honor what they said.
Consumer complaint received 2016-07-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NC)

I keep receiving phone calls everyday because the secured credit card balance is over the limit by {$4.00}. The minimum payment is due on XXXX XXXX, 2016 and it reflects the minimum payment plus the overage amount which totals {$29.00}. I 've been receiving phone calls everyday since the new bill cycle began on XXXX XXXX, 2016, but the bill is not due yet.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (MO)

Citi is sending me an unrequested, pre-approved credit card in the mail. I never asked for it. I did n't want it. But, when I called them to tell them not to send it, they said it was coming anyway. 
XXXX I thought credit card companies were forbidden from sending credit cards to people who did n't request them. How can they do this? 
The problem started because I am a XXXX member who has an XXXX through XXXX. When XXXX said the were going to stop partnering with XXXX, I called XXXX. XXXX said that they would not send a Citi card unless I requested it. But, as you can see from the attached XXXX/Citi mail, they are sending one to every XXXX cardholder whether they wanted one or not.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I signed up for a promotional offer for a Citigold Checking account with Citibank XX/XX/2016. The terms of the offer were to fulfill {$1000.00} in debit purchases and XXXX separate bill-pays in two consecutive months within the first three months of account opening to receive XXXX AAdvantage miles 90 days after the promotional requirements were fulfilled. I fulfilled my requirements on XXXX/XXXX/16. 

Long story short, after battling with Citibank about the promotional offer being attached to my account or not, I 've since received two explicitly written letters confirming that I was indeed enrolled in the aforementioned promotional offer and would receive my miles by XXXX/XXXX/16. I still have n't received the miles, and the executive office told me today, XXXX/XXXX/16, that I would n't receive the miles for another 60 days.
Consumer complaint received 2016-11-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

Opened a Citi Checking account which offered a {$400.00} bonus for depositing {$15000.00}. I have done so and still have not received the bonus within the prescribed time period. I would like the {$400.00} bonus credited to my account immediately.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I have a Macys credit card which seems to be administered through Citibank. I made a purchase of {$130.00} on XXXX XXXX 2015. I missed making the payment so was charged a late fee of {$25.00} and an interest of {$2.00} in the statement dated XXXX XXXX, 2015, a total of {$150.00}. I paid the amount and was inexplicably charged a {$2.00} fee XX/XX/XXXX totaling to {$6.00}. I called and asked about this fee, and none of the credit card executives could provide a coherent answer. The last person I spoke to offered to remove {$4.00} in fees if I paid {$2.00}, which again, made no sense.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (SC)

My Best Buy MasterCard has always been configured to automatically make payments from my bank account. I have never been late on payments. XX/XX/XXXX, an annual fee was added to my previously current account balance. However, the automatic payment system did not act in its usual fashion, so the account became past due for several months. As a result, over {$100.00} in late fees have been charged to my account due to the automatic payment system failing to function as expected. What is much more concerning, however, is that this has caused a severe delinquency ( past due 60 days ) to appear on my credit report.
Consumer complaint received 2017-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (PA)

I called the  XXXX   XXXX   2017  to ask a question about how much I actually still owe because the website is unclear. It to ok 25 min utes before anyone answered. I was told I owe  XXXX  plus an additional  XXXX , so I paid all of that online with my bank account. I called again today  XXXX   XXXX   2017  because I notice all that money was gone from my bank but the their website says I still owe  XXXX . It took  me 27 minutes before anyone answered. The customer service is short and rude and actually hung up on me when I started the wait time was too long. Called again 29 minutes got someone. I found out I overpaid my loan by about 120 dollars because the first representative was incorrect about how much I actually owed. Now, I have to wait 60 days to get a refund. It is also worth noting that my credit score dropped dramatically because they claimed they were emailing me warnings about starting my payments but when I c hecked my email on the dates given that I got these warnings I have no emails and also got nothing in the mail.
Consumer complaint received 2016-01-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meyer & Njus, P.A. (MI)

collection attempts were made by a out of state debt collector who failed to provide verification of debt to me Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) by the following company MEYER & NJUS, P.A ATTORNEYS AT LAW XXXX, MN XXXX validation request sent via USPS certified XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 after failing to prove the debt they transferred the account to there sister company XXXX XXXX, MI XXXX FOR FURTHER HARASSMENT OF LEGAL ACTION TRYING TO FORCE ME TO PAY THERE FIRM TO WHICH I DO NOT OWE ANY OF THE ABOVE FIRMS I HAVE NEVER ENTERED INTO CONTRACT WITH.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

A fraudulent company who charged my wife and I on an account that had been closed for 2 years. Instead of correcting the issue we got the run around and are now unable to move in to our apartment in a new state. The staff is completely incompetent, and extremely unhelpful. It took them XXXX days to figure out that they had committed a fraudulent charge. We are now living out of a hotel which is costing us hundreds of dollars a day for charges we never owed, since Hunter Warfield marked my credit report. I am unable to move into my apartment I was promised XXXX hour resolution and a letter stating that we owed nothing and that the charges were fraudulent. We have not received anything.
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (IL)

A collection of {$390.00} was removed from my credit report by XXXX XXXX on XXXX XXXX, XXXX. Now a year later there is another collection for the same amount but from a different creditor on my credit report reported XXXX XXXX XXXX. It appears the creditor STELLAR RECOVERY INC has put it on my credit report without me being informed to give me my right to dispute it.
Consumer complaint received 2016-07-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Comerica (MI)

I 'm writing my complaint on how my dispute case on my comerica credit card was handle. I 've put in numerous request when dealing with my dispute case it was n't handle in a professional manner at all. I need to speak to someone of a highler importantance to get this matter taken care of.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Guild Holdings Company (TX)

I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit. 
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau (CA)

I check to my credit report and see mbb I have reached out to them several times and yet to hear back from them. I reached out to the credit bureaus and they say to contact them directly. my credit is being affected by something that is not mine.
Consumer complaint received 2018-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Hauge Associates, Inc. (IA)

I had XXXX XXXX in XX/XX/XXXX. To remove the XXXX  I had XXXX   but I believe most of this debt is from that and a little from some XXXX work I had shortly after the XXXX. I admit to both of these debts and realize its my fault for being at the point I am at now. After the XXXX and XXXX  work I had to miss over 10 weeks of work last year and occurred more medical expenses at that point for my treatment which I also still owe on and is still accruing. I am asking for some human factor from the firm and stopping the wage garnishment. I took out a loan on my 401k, which is now maxed out, and was supposed to get a little over {$1400.00} but only received around {$1000.00}. Then later that week I received my paycheck and it was significantly less than normal and at that point I realized I was being garnished over all of this. I called the firm and they had my address for XXXX, IA where I moved out of at the beginning of XX/XX/XXXX.  The lady I spoke with at the firm said they normally wont release a garnishment unless its paid off. Its their internal policy and I realize that it costs money to have to file that and everything else they have filed. I am okay with paying all those fees and all the other costs I have occurred from the lawsuit having to be filed. Had I know I was going to be garnished I would do anything to stop it. There was a reason I was borrowing against the last funds in my 401k, which 1/4 of that is already being held for the firm, I can not afford any of my bills. I am currently selling my truck which I bought in XX/XX/XXXX before all of my medical issues started so I can pay off all of the medical debt I have incurred as well as all the other debt from missing work. I am willing to pay the firm {$300.00} a month until the balance is paid in full including any new court costs incurred. The balance is around $ 2300-2400 right now which is well less than a year to pay off this debt that I didnt ask for.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Transaction issue — 
Company: Comerica (CA)

A LITTLE OVER A YEAR AGO ON XXXX XXXX, 2014 I NOTICED A CHARGE I DID N'T KNOW WHERE IT WAS TO SO I CALLED ( XXXX ) & ASKED THEM WHY HAD THEY BEEN CHARGING ME THEY ASKED MY INFO THE LAST XXXX OF CARD CHARGED I TOLD THEM THEY COULD N'T FIND ANYTHING THEY SAID SEND A PRINT OUT OF CHARGES & THEY WOULD RETURN MY MONEY.. SO I CALLED MY DEBIT CARD PEOPLE ( DIRECT EXPRESS M.C. ) & THEY SAID THEY DO N'T SEND COPIES & TOLD ME TO CLOSE THAT ACCOUNT & THEY 'D SEND ME ANOTHER.. SO I DID THAT & ASKED THEM TO INVESTIGATE A LONG WHILE LATER THEY SAID THEY INVESTIGATED & SAID NO FRAUD COMMITTED. I ARGUED ABOUT IT & THEY HAVE NOTHING ELSE TO SAY ABOUT IT.. ON XX/XX/2014 {$1.00}, oN XXXX XXXX, {$29.00}, XXXX XXXX {$29.00}, XXXX XXXX {$29.00} ON XXXX XXXX {$29.00} & ON XXXX XXXX 2014 ANOTHER {$29.00} WAS TAKEN OUT. I HAVE BAD XXXX & I DO N'T NEED TO HAVE MY CREDIT MONITORED SO TO GET XXXX SERVICES I WOULD NEVER DO. & IF USDIRECTEXPRESS DEBIT CARD WOULD HAVE REALLY INVESTIGATED THEY WOULD HAVE GOTTEN THE REAL.. SO CAN SOME ONE PLEASE GET MY MONEY BACK. A TOTAL OF {$150.00} + THE COST OF A NEW CARD $ XXXX= {$160.00} PLEASE. I 'M ON SSI I 'M XXXX & I CA N'T AFFORD TO BE ROBBED. I 'M ALREADY STRUGGLING AS IT IS. I CONTACTED XXXX ABOUT THIS & THEY WERE OF NO HELP. ONLY TO BAD REVIEW THE COMPANY. I JUST FOUND OUT ABOUT HERE.. SO ANY HELP WILL BE APPRECIATED. THANK YOU
Consumer complaint received 2016-12-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Choice Mtg INC. (OK)

I have an installment loan out with Oklahoma Credit in XXXX, OK They have called my cell phone numerous times from unknown/blocked numbers. I have asked them to stop doing so for the simple fact that I do not answer calls from such calls, which results me in not knowing they are trying to get in reach with me regards to my loan. I know it is against CFPB regulations for the company to hide their identity, which is what they are doing.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MN)

We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

Sears should have protected me against the fraudulent use of my credit card and failed to do so. 
A company charged my credit card without sufficient authorization. 
The company said1. I would not be charged even if my insurance company paid nothing. 
2. Then they said that my insurance company paid for it. 
Neither of these XXXX things were true. I found this out because the company charged me anyway. 
I disputed the charge and Sears Master Card denied my claim. In denying my claim they failed in their obligation to protect me from invalid charges.