davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AR)

I applied for a citibank checking account, under a promotion that would award me XXXX XXXX XXXX Advantage miles after completing a few requirements in a specific time frame. I met the requirements in the specified time frame, and wrote to ask Citi when I would receive my points. I received a secure message confirming I met the requirements and letting me know I should expect to receive my points no later than the XX/XX/XXXX statement. Today I wrote citi through their online chat and wanted to confirm when I would receive the points, and was told that I would not receive them as I was not targeted for this promotion. I let the online representative know that I was, and that I had an email from citi confirming I had met all the requirements and would receive the points. She said ( paraphrasing ) nope. She did submit a case to their verification department, but told me without me finding the original targeted correspondence from them from about XXXX months ago that I would not receive the points. Ugh. What a headache. I have both the personal and the business citi XXXX cards and use them every month, for international travel, airline expenses and day to day business charges. It is disheartening that they do not want to honor the promotion I thought I received for being a good customer.
Consumer complaint received 2015-06-11
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (SC)

Onemain financial, previously Citifinancial charges a ridiculous interest rate. I borrowed XXXX and I am expected to pay back over XXXX. Shark lending is a crime but why is this company allowed to get away with this? Then they harass you when you ca n't pay.
Consumer complaint received 2016-05-31
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (UT)

On approximately XXXX XXXX, 2015 I purchased a computer from Best Buy for {$1000.00} and opened a best buy credit card at the same time. They told me that there would be NO interest for 12 months so I thought this was a good idea. I set up automatic withdrawals from my bank account. I have not checked my statements or anything until today when I see that my balance is ABOVE {$1000.00} more than a year later! After doing a bit of digging, I found out that they deferred my interest for the course of the year. So it accrued to be a lump sum of over {$300.00} which was then charged to my account! This is outrageous! Maybe there was fine print that I completely missed, but that 's not how this was pitched to me when I was sold on the credit card. Their fraudlent misrepresentations during the sales process have now caused this situation to manifest itself and I need to find a remedy.
Consumer complaint received 2016-07-11
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Movement Mortgage LLC (TX)

We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

I opened a citigold checking account with promotion code XXXX. I received a secure message verifying that I qualified for the account and had used the code to open the account. Later I received another secure message stating that I had fulfilled all the requirements for the promotion and would receive the promotional XXXX thank you points by XXXX XXXX, 2016. I have now been told by Citibank that I would not be receiving the points even though they have taken {$90.00} in monthly service fees from my account. I 'm not sure how to get my points as they keep pretending that we did n't have an agreement and that I fulfilled my part of the agreement.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (PA)

I tried to make an electronic payment from my bank account and the credit card company declined the payment saying it was an incorrect bank account number. I tried making the payment again electronically and again the credit card company would not accept the payment for the same reason. The bank account number is correct and there is more than adequate funds in my bank account to make the payment. Then the company charged me twice for a returned check fee. I tried to get that credited back to me, but they are not doing that. I should n't be punished because of their mistakes. I made a payment by money order and they refuse to process the payment. The only answer I have gotten from the company is that the payment is on hold. No one knows why. I have tried numerous times to rectify these problems via live online chat. The customer service representatives say they ca n't help me. I have spent the last 3 days trying to get help on the phone and numerous customer service representatives and supervisors say they ca n't help me. At the least, this company has a customer service problem. I have wasted 3 days and countless hours talking to people who refuse to help me. I have explained many times that i need to be able to have my credit card available for XXXX XXXX when my school is going to make a scheduled charge to my credit card. They still ca n't help me. Can you?
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I submitted a complaint against Scottrade Bank, regarding a dispute about unauthorized transfers within my Scottrade Bank and XXXX XXXX Account. Scottrade Bank did not respond to my complaint after three weeks. I then sent a certified letter to Scottrade Bank asking about their dispute resolution procedures and have still not received a response months later. I submitted a final complaint asking about if there was an arbitration contract and how I could initiate a XXXX party dispute resolution process. Scottrade Bank did not respond. 

I am writing to the CFPB, in hopes that a cooperative resolution resolution can be reached where Scottrade Bank and their affiliates provide appropriate responses to my inquiries. Based on the behavior of Scottrade Bank and their employees, I am worried that Scottrade Bank is attempting to " bury '' this issue because investigation into the matter may reveal corporate or employee fraud and wrongdoing. 

I have attached a draft document outlining some of the actions by Scottrade Bank and intend to follow up until this matter is resolved.
Consumer complaint received 2023-01-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (FL)

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a XXXX XXXXXXXX card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX XXXX card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Consumer complaint received 2016-10-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NRA Group, LLC (PA)

I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?
Consumer complaint received 2015-06-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (PA)

I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.
Consumer complaint received 2015-07-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (PA)

I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.
Consumer complaint received 2015-09-18
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (NY)

I had an outstanding balance of {$300.00} due to XXXX XXXX that I was not aware thinking insurance had paid for it. Since I was not aware of this balance, it eventually went to IC System collection. When they called for the very first time, I was informed they were trying to collect a bill for {$400.00}. I told them I was not aware of it and they followed up by providing the statement from XXXX XXXX for {$300.00} plus a XXXX collection fee. I informed them it was unfair to charge me a 35 % collection fee as I was not aware it and it very excessive. 
I told them I would pay the due amount or at least reduce the fee to a honest amount. 
They would not here it and told me I had to pay full amount or destroy my credit. Which they did the following month byt reporting a collection item on all XXXX credit bureaus. 
I am still willing to pay the correct due amount and hoping the negative information be removed from my credit report. 
XXXX XXXXXXXXXXXX
Consumer complaint received 2015-04-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (CO)

I used my PayPal account in late XXXX of this year to make XXXX different transaction withdraws from my bank. These transactions were being sent to XXXX different places. PayPal XXXX dipped into my account and took out each transaction XXXX. When I saw that PayPal had taken money out of my account again, 3 days after the original withdrawal, I called PayPal and asked that they simply refund the extra payments they removed without my authorization back into my bank account. They said they would have to look into it. Well, PayPal tried to take the money out again. I know this because I have fraud protection on my bank account and my bank informed me that someone was trying to take out money from my account. I called PayPal again and they said I would have to get official bank documentation and send it to their appeals department. I did just that. I started to get harassing phone calls from PayPal along with email saying that I owed them money because was account was in deficit. What? They are the ones who stole my money and now have it and wont give it back to me! I again went back to the back and gathered more information and faxed them again. Still I continue to get XXXX very hostile phone calls a day from XXXX until XXXX including Saturdays and still receive emails. I decided to go back to the bank brank and get detailed very precise wire transfer documentation from the bank on bank letterhead and stamped with the bank seal by the branch assistant vice president and a hand written letter to boot and over night certified this information to PayPal. I continue to receive threatening phone calls from PayPal saying they have ruined my credit and I am in default of payment. I do not understand how a collections department can not decipher very precise line by line information from the bank that clearly shows the withdrawer as PayPal on the wire transfers out of my bank. I would be very excited to have your assistance in clearing up this matter with me and going after PayPal and getting my funds back and clearing up any and all bad credit that they may have caused my name or account on/for any future credit reporting. I truly need your assistance because they are so threatening that I do not want to communicate with their company any longer without assistance. I look forward to having a representative assist me with this matter. Thank you in advance truly
Consumer complaint received 2016-11-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (MA)

made a purchase from XXXX and paid via paypal. turned out XXXX had charged me the full amount for a new ticket, same date, same flight, same plane, instead of adding luggage to an existing ticket. now i am double booked. when i realized what had happened i called paypal immediately and they would not help. XXXX said no refund for a promo fare flight, regardless of the circumstances and that it is a double book.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (NM)

Hi! PayPal Credit is engaging in misleading and predatory practices. In paying for an ebay purchase, I inadvertently and somehow signed up for PayPal Credit on a " Promotional Financing '' offer. Rather than using my checking acct. via debit card, which is what I had checked, PayPal used credit on the first " sign up '', and on several subsequent occasions, despite me checking " PayPal '', not " PayPal Credit ''. PayPal checks, then unchecks my choice of payment, and puts the purchase on credit. I have emailed PayPal with my complaint, and received no response. PayPal 's " Promotional Financing Offer '' is no payment/interest free for 6 mos., then they start charging 19.99 % from date of posting, a few days after purchase, if you do n't pay off the entire balance. This reminds me of the medical " XXXX XXXX '' scam, but at lease medical expenses can be paid. No consumer needs a sneaky credit scam to buy stuff on ebay! Please investigate -- this is just wrong. Thank you.
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (SC)

Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.
Consumer complaint received 2017-03-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (PA)

This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Garner & Conner, PLLC (TN)

The original debt was owed to XXXX, who obtained a judgment against me. I paid them in full. A third party collector contacted me several years later, stating they would garnish my wages or levy my bank account if I did not pay. I told them the debt was paid in full, and provided proof. They stated the proof was not good enough. I have transcripts of internet conversations with XXXX that shows I have a zero balance and they state that they did not send this account to collections. The more information I provide to the law firm collecting my debt, the more they say the proof is not enough. To prevent them from garnishing my wages or levying my account, I have paid them for several years on a debt they know is not valid. They will not give my money back, and will not contact my attorney as she requested. As of right now, they have approximately {$1000.00} of my money that is not owed to them. I have been fearful of stopping payments because when I do, I receive letters detailing that they will take all legal action against me. I have a young daughter at home to provide for, and I can not survive if they levy my account. I feel as though I 'm being extorted to pay a debt that has already been paid, almost twice now.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX. 

Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit. 

The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help XXXX XXXX