davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (GA)

I took out a loan with One Main Financial for {$7500.00} around XX/XX/XXXX and in XX/XX/XXXX, the company did a deferment payment without my consent. But, my main problem is the amount that they put towards the actual balance of the loan. My monthly payments are {$270.00} each month and from XX/XX/XXXX to XX/XX/XXXX, nothing from the amount I paid was applied to the balance. The first payment of {$92.00} was applied to the balance on XX/XX/XXXX. They did another deferment without my consent in XXXX. I was confused. On XX/XX/XXXX I made a payment of {$300.00} and nothing went toward the balance. On XX/XX/XXXX I made a payment of {$150.00} and nothing went toward the payment. In my opinion, this is criminal. I do understand that I was in need of financial assistance at the time and things were difficult but I have been paying this bill over a course of 2 years and I still have a balance of {$6300.00}. There is something that should be done to balance out. I do understand about interest and that the company has to make money but I find this to be unjust. This is taking advantange of people.
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (NY)

i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.
Consumer complaint received 2016-03-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month!
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.
Consumer complaint received 2016-08-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
Thank you
Consumer complaint received 2016-08-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.
Consumer complaint received 2015-10-20
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of Citibank.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (PR)

Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?
Consumer complaint received 2015-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

Hello I attended XXXX Ca XXXX XXXX in 2011 .... I was convinced into taking out a private loan with XXXX thinking I could use the deferment program for a while until I was able to get back into school again and pursue a higher paying career. I was making deferred payments of {$20.00} a month up until about 4-5 months ago when I recieved a letter stating that XXXX would no longer be handling my loan and that UAS known as University Accounting Service would be taking over my loans and that my payments would now be {$40.00} a month!! I could barely afford the deffered payment of {$20.00} a month already so I called a few times to see what was the increase for but never recieved a response or call back. Do I have any options available since the XXXX act had been passed upon for relief of former and present students with XXXX Private loans active?
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (FL)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX WELLS FARGO XXXX
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Express Aviation (TX)

I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear
Consumer complaint received 2015-09-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Solidus Group LLC. (OK)

Investigator XXXX contacted a contractor i worked for and stated he was investigating me for Fraud In XXXX XXXX. He has also left voicemails on my phone as well as my wifes stating the same thing. The debt is in reference to a payday loan with XXXX XXXX XXXX. They have threatened legal action for fraud and civil action. This gentleman has contacted family friends and work. stating that i am being investigated for fraud.
Consumer complaint received 2015-05-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

I have had a Home Depot Credit Card for three years now. It had a low $ 500limit which I did not mind since I do not frequent Home Depot as there are otheroptions closer. The credit limit was recently increased to {$1500.00} which I did notrequest nor was I notified of. 
I received a letter in XXXX stating that if I do not use the card byXX/XX/XXXX XXXX 2015 they would close my card. Two days after I received the letterthey closed it. I called the same day and spoke to a rep on the phone whosaid they would reopen the card since it was closed early and for me to make apurchase to keep it open. She stated it would take two business days for thecard to reopen. Today, XXXX/XXXX/2015, I tried to make a purchase at the store andmy card was declined. After calling in, they refused to reopen the card. Therewas no notification of the card being closed after I spoke with the rep who saidit would be reopened and she would escalate the issue to her manager. 
Another rep today informed me a manager never saw the issue and they wentahead with the closure any way. 
The embarrassment and wasted time of going in there to shop and get to theregister to have the card declined with no warning. I have other cards that mylimits have been increased, but Home Depot givesme {$500.00} and says that is too much of a " risk ''. Please. I have never been lateon any payments, and I was planning on paying this in full any way. In orderto get a new card, they want me to reapply, which means another hit on mycredit. Not to mention they closed the account so that will hurt my credit aswell. I have had no bad payment history with them and I am not a risk. Theyshould not be able to arbitrarily close some ones account without at telling, or do it prior to the time frame they disclosed. They lied and are deceitful withtheir lending practices.
Consumer complaint received 2015-05-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

I was a victim of identity thief. The credit card company called me and told me they stole my credit card number, and they were doing illegal charges. The credit card company told me to file a complain for all the illegal charges, and I did. Since that incident, I did n't use the credit card, and three months later I still had a balance on the card and fees for charges that I did n't do. It is affecting my Fico score just because the company does n't want to do the job. The customer service has been a nightmare. We called at least XXXX times, and they still did n't fix the problem. Should I sue the credit card company for damage?
Consumer complaint received 2016-10-19
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (GA)

My name is XXXX XXXX, and I have XXXX mortgage accounts with Citimortgage, and the XXXX mortgage is being reported to the credit bureau incorrectly. Because of the incorrect report, I am being prevented from getting any additional credit line from other creditor like XXXX bank. On the XXXX mortgage there is XXXX amount due until 2024, and yet Citimortgage is reported on a monthly basis the full loan amount is due to all the major credit bureau. Citimortgage is reporting {$24000.00} due on every month when in fact my due amount is {$0.00}. I applied for a credit card line of credit to XXXX bank, and I was denied on a basis of " Obligation is too high base on my income. I have asked Citi Mortgage to correct the reporting on many occasion, but there research dept is refusing to correct the reporting. I am seeking the help of CFPB. Citimortgage has no right to misrepresent my record which prevent me from receiving additional credit line approval. This mortgage has been in existance for 22 years, and now I am getting wrong reporting on my behalf which cause me harm financially.
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX/XXXX/XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with XXXX Citi representatives in XXXX and XXXX XXXX that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from 5 months ago showing the offer. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$30.00} of fees and I will not be getting {$500.00} worth of Thank You points. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Consumer complaint received 2016-10-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (MI)

I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.
Consumer complaint received 2016-12-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

My complaint is how BB & T chose to pend and post items in my account. I had {$86.00} left of my Social Security check on XXXX XXXX, when my utility bill that I 'd paid by check was posted to my account. However, the check did not go through and the transaction was charged a {$36.00} overdraft fee. The check did n't go through because the bank was holding {$59.00} " pending '' in my account. It was not to be posted until an item shipped, like most online purchases. However, because BB & T " pended '' and virtually paid it by claiming that cash but not posting it, it would not pay the utility check, even though there was enough in the account to pay {$47.00} utility payment. Four days later, BB & T posted the {$59.00} and charged another overdraft fee. Then, because the account was in overdraft for 7 days ( days, not banking days ), starting XXXX XXXX with the utility bill posted ( when there was enough money to pay it ), I got another overdraft fee of {$36.00}. The bank wiggled around the money so that I paid XXXX {$36.00} overdraft fees, and then added on top a {$12.00} maintenance fee. That 's {$120.00} in fees when it should have been {$80.00} at the most. I 'm finding another bank. This same bank charged me an overdraft fee when I deposited a check to cover groceries only 8 minutes after they were purchased. I was stuck in traffic and it was easier to pull into the grocery store parking lot first. I spent something like {$100.00}. I drove across the street to the bank and deposited one of my XXXX checks that more than covered it. However, when I got the statement, the overdraft was there.
Consumer complaint received 2015-06-08
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (MI)

I received a copy of my XXXX credit report and noticed that transworld systems have been checking my report on XXXX different times XXXX and XXXX. I do n't have a account with this company. I XXXX the company name to find that they are a collection agency. They never tried to contact me by phone or mail just keep looking at my report as an account inquiry. I do n't know who they are and would like them to stop looking at my report I do n't want this to end up on my report without any verification.