davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUSTMARK CORPORATION (AL)

I opened a trustmark bank account here in  XXXX  Al this account have been open for about  XXXX  months when I first visited the bank branch located in  XXXX  's corner here in  XX/XX/XXXX  the person who open my account never asked me if I wanted to opt in or out for overdraft. So about a week later I received a letter stating that they see that I opt out for overdraft in which she never asked me about it so on       XX/XX/XXXX     I called customer service at  trustmark  and requested to be opt in. And about 2 days later I was. So I deposited a check in which was written to me for an weight bench so I withdraw some of the funds and the check was returned. So the bank charged me the {$36.00} fee and Also the money that I withdraw from my account which was about {$260.00} total I have direct deposit of my pay check so when I went to  the drive  threw to make a withdrawal she say the total amount was not available so I sad I  will drive  around and come in and speak with some one so I did and the person at the new Account desk in which her attitude was bad and Was very rude so I made my withdrawal and left so the next day  I  called the corporate office of  trustmark  in  XXXX  Mississippi and she directed me to a person who was at the downtown branch and she was over the local managers so I told her what had happen and she appolizes and said she would talk with the mangers about their attitudes and I also mentioned to her that the corporate office did say that this would be kept confidential she said yes of course. The next day when I tried to use my debit card in which I had a courtesy overdraft limit with my account the purchase was denied so on today XX/XX/XXXX  .  I decide to just call the bank and see why the rep. Told me that I was opt out on   XX/XX/XXXX     I said by who? She put her manager on the phone the mange said it was done by a  XXXX   XXXX  at the downtown location and she did n't no why I stated to her that I did n't give anyone permission to make changes to my account at all. She stated that should have never been done by an employee and put it back on   XXXX  . I have called and gotten information that this worker should not have been able to make any changes to my account without my consent. Please check into this because if this is the case she can do whatever she like and the customers will have no knowledge of this to this day almost a week late I still have n't received any letter about her opting me out of overdraft.
Consumer complaint received 2016-05-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016 I opened a Citibank checking account ( Citigold ) under offer code XXXX. The promotion would credit my account with XXXX ThankYou Points ( redeemable for up to {$400.00} in gift cards ) if I " within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months ''. 

I have the promotion disclosure that shows the promotion is attached to my account. 

I made my first bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I made a second bill payment on XXXX/XXXX/2016 on a XXXX credit card. 

I contacted Citi customer service after I made the second bill payment in order to confirm that I had met the terms of the promotion. 

Citi customer service sends requests for status on promotions to another group which I can not communicate directly with and that group sends me electronic letters with the result of each inquiry. 

The first inquiry, XXXX, indicated that I was not eligible for the promotion but also seemed to reference an incorrect promotion ( XXXX that rewarded XXXX XXXX AAdvantage miles instead of Citi ThankYou Points ) so I called Citi customer service and submitted another inquiry. 

The second inquiry, XXXX, stated : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I called Citi customer service a third time, indicating that I did receive this promotion and while I no longer have the original letter I do have the promotion disclosure indicating that the promotion code was attached to the account when I opened it. 

I received a third electronic letter from Citi client services ( XXXX ) again stating : " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. '' I again called Citi on XXXX XXXX 2016. The customer service supervisor that I spoke to stated that even though I provided the promotional code it was their opinion that I was not targeted for the promotion and they would not honor the promotion. In addition, they refused to waive the fee for opening the CitiGold checking account. The supervisor stated that after the fee is charged I could call back and then Citi " may '' be able to waive the fee. 

It seems dishonest to allow me to open the account with the promotion code and after I fulfilled the terms of the promotion refuse to honor the terms of the promotion and refuse to guarantee me refunds for the fees associated with the account.
Consumer complaint received 2016-08-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

I opened the citigold bank account with citibank with promotional code promising a credit of XXXX American Advantage miles after meeting all the requirements. After inquired about the status I was denied the promotional credits because I was not targeted for this promotion. 
I have document showed that i have the promotional code attached to my account and I would like citibank to honor it.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (ID)

XXXX XXXX has shut off all automated payment systems for its expired XXXX based cards. This means XXXX people will have late payments that they can then charge late fees and interest on. This was done without prior warning. I want XXXX XXXX to be penalized for any extra fees and interest they try to charge and for XXXX XXXX to be prevented from filing credit complaints or collecting late charges and interest on these account. In regards to questions below, I have tried contacting the company, but the systems are shutting out all XXXX card holders.
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUD ACCOUNTS ON MY CREDIT REPORT Balance- {$0.00} Balance updatedXXXX XXXX XXXXXXXX Original balance- {$720.00} account NAME- XXXX XXXX Account XXXX Open/closed-Closed Date opened-XXXX XXXX, XXXX Account type-Installment Status-Pays account as agreed Status updated-XXXX XXXX Past due amount -- Original balance- XXXX XXXX  Monthly payment- {$0.00} Contact info Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone number- ( XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL OF THIS ACCOUNT 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2016-07-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

I opened a Citibank Citigold Checking account in response to a promotional offer. The offer required two consecutive monthly bill payments and {$1000.00} in purchases. In exchange, I was promised XXXX XXXX XXXX miles deposited into my frequent flyer account. I confirmed the promotion was attached to my account, then after completing the actions I further confirmed that I had fulfilled all requirements for the offer. 

Citibank customer service said I had indeed done everything necessary and my points would be deposited within 10 days of XXXX/XXXX/2016. After those 10 days passed I contacted Citibank, and they told me I was ineligible for the promotion because I was not " targeted. '' That was never a requirement mentioned in any of our previous correspondence, and it seems like a deceptive practice to have the customer fulfill all requirements of an offer, wait months, and then be told that they wo n't get the incentive they were originally offered.
Consumer complaint received 2017-01-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I deposited {$15000.00} and was told I would get {$400.00} in interest. The bank, instead, and without disclosure, subtracted fees. They have not credited my account with {$400.00} and they refuse to return my money.
Consumer complaint received 2015-12-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MD)

Several months ago, I made a purchase at a XXXX Sears Store. At that time I changed my billing address. Giving the store my new address. I thought the bill came in and was paid months ago. Yesterday, I received XXXX Sears bills in my mail box. They were placed there by the person that purchased our previous home. All with late charges. Today, I called the XXXX number and spoke to XXXX Citi Bank reps. I paid the original purchase however, they will not waive the remainder late fee. XXXX of the XXXX reps disconnected our phone conversation. I have an excellent credit score. The gentleman at Sears did not tell me that I had to contact XXXX XXXX directly to change my billing information.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (SC)

I had a Home Depot Credit card it gets reported as THD/CBNA. The account was closed XX/XX/XXXX. My ex-wife at the time decided to consolidate our debt and reached out to XXXX XXXX XXXX XXXX. Our accounts were then taken over by green path and essentially " closed out '' XXXX XXXX made monthly payments to all of our accounts via funds that were automatically taken from both my checking account as well as my ex-wife 's checking account. At that point we assumed we had nothing to worry about. We received monthly statements of accounts being paid etc..I am now in the process of refinancing my home etc.. and it has come to my attention that the THD/CBNA account is reporting XXXX months of missed and or late payments of XXXX, XXXX, XXXX + days. This is impossible and it should n't even be on my report at all. The account was closed and payments were then made from XXXX XXXX from XXXX XXXX until XXXX XXXX. This has got to be cleared up as it is negatively effecting my life right now and my credibility. I need THD/CBNA to admit they are incorrect and report to the agencies that there are no delinquencies to be reported. I am going to attach XXXX documents. The Welcome letter to XXXX XXXX which has my account number, the letter showing the THD/CBNA ( Home Depot account being paid off in full in XXXX XXXX and the spreadsheet provided by XXXX XXXX that shows each payment made since XXXX XXXX to the Home Depot ( THD/CBNA ) account. The account number and tracking numbers are all on the sheet they provided. Please help me get this cleared up. it is fraudulent reporting on the bank 's part and it is damaging my credit. Thank you for your assistance with this. I tried to reach out to XXXX last year to dispute this but it has to be done with THD/CBNA apparently and I want to make sure it is handled by a professional which is why I am reaching out to you.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (FL)

I intended to pay of CITI CREDIT COSTCO in full so a check, along with the statement, for the amount of XXXX was sent on XX/XX/2016 to cover the full balance. 
The check was received by CITIBANK and cashed but the bank has been unable to process it appropriately and post it on my account. 
Since XX/XX/2016, my calls, faxes, and email to the customer services have been worthless and without result. The main issue here is that my money is being held for no reason ; and at the same time late fees and interests still being charged. 
I do n't see how this issue is going to end since the customer service is not responding.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IA)

I deposited {$15000.00} with Citibank for a new checking account. I was registered for a sign up bonus of {$400.00}. The only conditions were that I deposit {$15000.00} in the account within 30 days and that it stayed in the account for 30 days. After that, the account must remain active for 90 days to qualify for the bonus. They accidentally closed my account after I had had the original {$15000.00} deposit in my account for 40 days and are now telling me since I did n't keep my account open for 90 days that I do not qualify for the bonus. They have made no steps to rectify. I received a letter saying " I '' closed the account and therefore do not qualify. But I spoke with multiple associates over several hours and each one them confirmed that this account was closed by Citibank accidentally and they would try to research what happened. But their research came back with the excuse that " I '' closed the account, when they very clearly stated they had made a mistake by closing my account.
Consumer complaint received 2015-05-28
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

Purchased wrong items at Macys online using a Macy 's Gift Card. Items wrong sizes. Customer service tells me to place new order for exchange using my Macy 's credit card account and they will then credit this account for exchange. 
Macy 's incorrectly ships XXXX replacement orders when they receive the returned items. 
After 45 Days of waiting and contacting Macy 's numerous times, Macy 's has still been unable to correct charges on my credit card account, and Macy 's has charged a late fee as well for not paying my credit card account on time for the incorrect charges to the account. 
Macy 's has been unable to track my accounts and purchases. All the items have been returned, and there still has not been a full credit to my Macy 's credit card account or the Gift card. Macy 's representatives were unable to identify any problems and dismissed my complaints as well. 
No confidence with Macy 's credit card account.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (FL)

signed up thru Home Depot account ( Citi group ) Payment was made thru this system. Received an alert for change on credit report, upon investigation it was determined this was the account that alerted. I received NO indication that this was an issue, however I continued to receive marketing materials from them. I contacted HD credit card services they initially stated that there was some problem in processing. Best they came up with was that the routing number information must have been entered wrong. No answer given was in any attempt to rectify this issue just excuses. Was forwarded up the chain and was told that when the payment was made they would forward that for consideration for removal. Was given the run around when asked when this would be removed and why was I not notified of this issue before the credit report was made. As of today that account will be current to satisfy the issue however i received no satisfactory answer as to this report on my credit.
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

My payment arrived on the due date ( arrival verified by the billpay service of my bank ), yet the credit card company takes a day to process / post the payment, and then hits me with a late fee and interest. 
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of ... ''. When I ask the ccc why, since my payment arrived on time, I was charged a late fee, the ccc says, your payment was n't posted until the next day, and it 's the posting date that counts. Then I say, but your statement says the payment arrival date is what counts. The ccc just continues to say, over and over and over, that it 's the posting date that counts.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016 and again on XXXX XXXX, 2016, I attempted to open a new, personal CitiGold Interest Checking account. On XXXX XXXX, 2016 their telephone representative told me that my application was accepted and emailed to me a signature card, which I signed and faxed back to them on XXXX XXXX, 2016. Approximately 10 days later, I received by U. S. mail my first Citigold checking account statement, which showed my new account number and account balance. Then XX/XX/2016, I received their letter dated XXXX XXXX, 2016 stating that they did not open this account, claiming they were unable to verify information. 

Upon phoning them again, they refused to provide any information about what information about me they were unable to verify. They claimed my account was now closed. All representatives I talked to were completely uncooperative and entirely unhelpful about what I could do going forward to re-open this simple checking account. Note that I have been a Citibank credit card customer in good standing for over 10 years, so their bank does have extensive information about me. Also, I was not applying for any form of credit from Citibank. Instead, I was attempting to deposit my money into their bank. 

When originally opening this account, I told them that I was applying using Promotion Code = XXXX, which would allow me to receive a {$500.00} cash bonus if I met certain requirements of the promotion. It became clear in talking with their phone representatives that they were trying to not open this account to avoid eventually paying me this {$500.00} bonus. 

Their offering this new account opening bonus promotion and then refusing to actually open the account constitutes consumer financial fraud, deceptive marketing practices, and sales misrepresentation. I am requesting that ( 1 ) Citibank re-open my checking account under the terms of the original {$500.00} cash bonus promotion, and ( 2 ) the Consumer Financial Protection Bureau investigate Citibank 's many marketing promotions for all other instances of misrepresentation, fraud, and marketing deception.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

The only negative in my report is in Capital One XXXX Opened XXXX the History there is late IN XXXX. **It is not late. The card charged me for Cell Phone Insurance payment that I never ordered. **I called XXXX XXXX. They acknowledged their mistake. They cancelled the Insurance payment request. **At that time I closed my account with XXXX Balance. **I am asking to remove this XXXX negative incident from my Credit Report
Consumer complaint received 2016-10-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I asked Citibank to close my account as of XXXX/XXXX/2016. They promptly responded saying I needed to withdraw the remaining funds of {$6.00} from the account, which I did on XXXX/XXXX/2016. However, they failed to close the account even after I withdrew the funds, and now I have an overdraft charge of {$12.00} on the account ( since it is XXXX/XXXX/16 ) even though there were no further transactions on my part and the account was at {$0.00}. Customer service has been unresponsive and demanding {$12.00} before they close the account.
Consumer complaint received 2016-05-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TN)

It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.
Consumer complaint received 2020-04-20
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)

This complaint is because Equifax has violated FCRA 605B ( 15 U.S.C. 1681c-2 ) must remove the accounts from my credit profile within XXXX business days when presented a full ID THEFT REPORT. They have also violated FDCP 809. Validation of debts ( a ) ( 4 ) Violated 15 USC 1692f ; Unfair Practices attempting collect an alleged fraudulent debt. 

Equifax received the initial complaint on XX/XX/2020 XXXX CERTIFIED # XXXX ] Therefore Equifax is NOT ALLOWED take advantage of 60 days to do an investigation. because of this online complaint trying to use an online technicality This is a violation of 607. Compliance procedures [ 15 U.S.C. 1681e ]
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CO)

I tried to make an online purchase but the purchase didnt go through because it said there was an issue the billing address. Tried to make the purchase multiple times and the amount showed as pending on my credit card even though I couldnt complete the purchase on the merchant website. There was a pending total of {$480.00} due to the recurrent transaction. The pending charges went away because the purchase was never made but the amount of {$480.00} is showing as a balance on my credit card which is incorrect. The charge never posted so it should not be showing in my current balance. I have tried to call and send messages. I was on the phone waiting to talk to a representative for XXXX hours and no one ever answered. I sent many emails with no response. It is frustrating because Wyndham by XXXX XXXX is trying make me pay for something that was never finalized. My recent transactions do not equal what is showing as my balance