davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last several months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within a few days of my statement ending in XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed my eligibility. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel the marketing of this promotion was highly misleading. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, XXXX XXXX
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MD)

I am once again reaching out and requesting your immediate attention to yet another credit reporting problem. I stated reaching out again because it had been well documented from XX/XX/XXXX, to present date, I had to fill numerous complaints against Macy 's in regards to your discriminatory credit reporting practices. 

I am in receipt of the attached XXXX report number XXXX, dated XX/XX/XXXX, and discovered the following reporting problems which XXXX is placing the blame on Macy 's : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, Macy 's is listing on the report does not provide contact with Macy 's but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 



3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XX/XX/XXXX? Where is the data and why was this reporting information being withheld from XXXX? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the XXXX, credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from XXXX. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus? 

I would like for your credit reporting department, your new banking/credit card company and the Executive Office to take a very close look and fix the above-mentioned items immediately. 

I want Macy 's to make sure this information is corrected with all three credit bureaus within ( 30 ) days. Failure to do so will result in immediate legal action. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.
Consumer complaint received 2015-10-24
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NC)

The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges
Consumer complaint received 2016-02-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.
Consumer complaint received 2015-04-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (KY)

I called XXXX for Citibank XXXX XXXX to dispute a charge. An internet company continues to charge my card monthly for products I am not receiving nor did I order. I attempted to dispute the charge and change my credit card # so this does not happen. I was asked by customer service rep in the XXXX, where the call routed to, for my credit card #, social security #, address, birthdate, security passcode and then my personal bank and checking account #. I gave all the information requested except for my bank account # and they refused to access my account. I escalated the call to supervisor and attempted 4 times to reach a United States Rep because I will not give my checking account # to any stranger on the phone and that is NOT required to access my account. I think this illegal and should be stopped. Please advise
Consumer complaint received 2016-01-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OR)

We sold our home and forwarded mail to a professional sorting facility since we had no permanent address. We received all our mail fine with the exception of the Shell Gas card mailings which we had received for years just fine. We had used the card once in XXXX billing cycle and did not use it further. After a few months I received notification that my credit score had gone from well over XXXX to less than XXXX due to past due reports from Shell/CBNA. As soon as I discovered a balance due ( we had not received any bills from them ) I called to take care of it. When I called customer service they confirmed that they would remove any negative reports sent and admitted they had all the mail in question returned to them ( strange since we had no issue with anyone else ). They removed the late fees and I made payment right then for about {$70.00} which was the total balance. After a couple of weeks I received a letter stating the negative credit reporting they sent would not be removed. I was furious! I called again and they would not budge on their decision. I closed my account with them forever! They have a policy that if you have no balance due you will not receive correspondence. I did not receive anything. They send mail first class which means I should have received it no problem. I have worked years!!!! to have a stellar credit rating and perfect payment history only to have it tarnished by these lousy people. I may as well default on everything if something little like this takes your rating down that fast so easy! Whats the point in trying so hard to do good!
Consumer complaint received 2016-01-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.
Consumer complaint received 2016-09-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

XXXX XXXX, 2016 Re : CFPB case # : XXXX Dear XXXX XXXX ; Thank you for your recent correspondence. As you suggested, I have followed up with XXXX XXXX again and they said " they negotiated the check correctly '' Citibank cleared the check. It was the responsibility of Citibank to insure the check had the XXXX required signatures before clearing the check. Therefore, Citibank is responsible to replace the check. Please advise me on when I will receive this check to resolve this issue. 
Sincerely,
Consumer complaint received 2015-04-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

XXXX XXXX XXXX of XXXX XXXX Ca charged me XXXX XXXX times ( Same item ) Called and reversed XXXX charge. On XXXX daughter XXXX XXXX XXXX, XXXX NY was charged also.This is for me and bought for me by family members I agreed to pay after second yr.Mailed proof to XXXX charges XXXX reversed as of XXXX. Someway Sears card ( CITY BANK ) got into this after I already had a reversal and charged me again on XXXX.Do n't know how sears got into this since I got a reversal of charges on XXXX. Rcd letter from Sears Credit services on same day that another charge was posted on my card. Owed a charge back. 
Charge card showed all transactions clearly. Do n't they ever proof read their bills, especially since I brought it to their attention. 
I wish that XXXX XXXX and Sears Crdit compensate me for this hilarious and confusing billing. Send a rebate for all charges, including original, refund my daughter fo billing her.Send a carton for shipping item back. At that point I will go elsewhere for an alert system. All charges amount to about XXXX ( Plus aggravation that never seems to end. )
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

XX/XX/2016 I received a letter from Citibank offering me XXXX reward miles if I fulfilled the terms of the promotion ( code XXXX ). I opened the account in XXXX, fulfilled the requirements ( spend {$1000.00} and submit two bill pay transactions ) and I was promised the miles per the letter within 90 days of fulfilling these requirements. Time passed and I had not received the miles so I contacted Citibank several times and via live chat, they told me " They specifically told me " You will receive your XXXX XXXX miles no later than XXXX/XXXX/16. '' XX/XX/XXXX passed and still no miles, yet I am racking up account fees. I have continued to contact Citibank who NOW in XX/XX/XXXX and XX/XX/XXXX ( never before ) is telling me I was not on their list of customers to offer this promotion to. I honestly believe that they have intentionally dragged out the resolution of this so they could continue to collect my $ 30 monthly charge. I am extremely upset/disappointed with this situation and how Citibank has handled this. In my opinion this is borderline fraudulent behavior and their practices have been extremely deceptive.
Consumer complaint received 2016-04-23
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (TX)

My credit card has been charging me the penalty APR rate of 29.99 % interest since XXXX XXXX. They claim that my account is in penalty status, however they were not able to provide me with any of the following information when I contacted them on XXXX XXXX, XXXX : 1 ) my original APR, 2 ) the reason why my account is in penalty status, 3 ) the date that my account went into penalty status, 4 ) the date of any notification that my account was going into penalty status and the resulting increase in APR. My understanding is that if my APR is to increase that I am entitled to a notification or a reason, and I never got one from them. I have paid XXXX in additional interest.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

On XXXX/XXXX/15 and without prior warning, Citibank sent me a notice that they had decreased my credit limit explaining that my credit report " shows a delinquent credit obligation, either paid or unpaid, with another creditor ''. ( See letter attached ) Upon investigation I found that XXXX had made a clerical error in reissuing a card to an erroneous address. This was the only late payment reported to XXXX and XXXX immediately took steps to remove the faulty report with credit agencies ( see letter attached ). I have called Citibank to share with them the letter I was sent by XXXX but they have declined to review it. Citi still refuses to reinstate my previous credit limit so I find myself a victim of how the credit bureau oligarchy conspires against individual consumers. A mistake on my credit report, once remedied, should not have irreversible repercussions across other lenders ... let alone a bank i 've used for literally decades without incident.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.
Consumer complaint received 2016-05-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: CITIBANK, N.A. (MD)

I took out a private student loan with Citibank in XXXX in the amount of {$6400.00} to pay a balance owed on my student account. The loan was split into XXXX disbursements of {$1700.00}, {$1700.00} and {$3000.00}, each with their own loan fees totaling {$640.00}. The interest rate for {$3400.00} was 7.50 % and the other {$3000.00} was 8.00 % ( which increased this month to 7.75 % and 8.25 % respectively ) although my initial understanding of the one percentage rate. I XXXX in XXXX XXXX and I began repaying this loan in XXXX XXXX. Since then, I 've made monthly payments which at this point total {$4500.00} yet Citibank is claiming that I still have a balance of {$6500.00}. I have not any luck in getting Citibank to provide clarity as to how may payments are applied and how I 've managed to pay {$3300.00} in interest but only {$1100.00} in XXXX months nor how I owe {$6500.00} on a {$6400.00} loan.
Consumer complaint received 2017-02-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (MN)

I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve the issue.