davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (GA)

I took out a signature loan with " Citi Financial '' in XXXX. I had trouble paying back this debt when the economy was in a down spiral. CitiFinancial after so long of not being able to pay had retained an attorney XXXX XXXX XXXX in XXXX Georgia. Afterwards XXXX XXXX XXXX attorney at law had drained my bank account to the negative of checking and savings tour around negative {$23000.00}. This was on a loan that was paid down to. {$8700.00}. Not only that XXXX my tax returns were confiscated 4 for over {$3500.00} each for two years. I paid payments to XXXX XXXX XXXX for the remaining balance. I got a check returned to me that at the bottom said " refund on closed account ( no hold ) ''. I was no longer contacted by anyone else on this matter because the debt was paid in full. Now it is XXXX of XXXX and on my credit it shows that I owe {$11000.00}. The debt was never wiped clean off my credit and I still have a judgement against me after debt was paid.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (ME)

XXXX of 2014, I was behind on my payments. I was awarded proceeds from my divorce. Before divorce, former spouse was the only source of income. I contacted Citi, in regards to me account. During the phone conversation, I requested for the late charges, as well as as late remarks on credit reports to be reflected as " never late ''. The customer service rep agreed to this. I then commenced to pay the back charges, and the account was " reinstated ''. From that date forward, this account has since been paid and closed. I decided to close this account, due to personal reasons. I have received several mailings, from this company, as well as my request for an an investigation, as per the Fair Credit Reporting Act. I received a letter stating they will no longer communicate with me. This, to me, is their way of stating " We got your money. Have a good day. '' I am highly offended by their comments to my latest request.
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WI)

We 've been working w CITI Mortg. since XX/XX/2016. All requests have been submitted 1-3 times. Rcvd letter documents complete XX/XX/2016 review by XX/XX/2016. Accused of no reply to messages but not rcvd from CITI or XXXX coach when requesting outcome from XXXX on XX/XX/2016. Now they are requesting from the beginning again to re-open proceedings for refi. With CITI NO Dept. is synced with the next. XXXX is not synced with CITI at all times. Harassment of late payments when current. XXXX bank XXXX can confirm this. Both my husband and I called CITI to get date changed ( according to SSI and Pension ) ... they refused but agreed to stop late charges within the 30 day grace. This has not stopped either. I have documented all ... we went to an independent financial counseling service during this in XXXX thru XXXX All documents sent to CITI also was cc to counselor. At that time it most have been noted by CITI and requests slowed and stopped with letter XX/XX/2016 as mentioned ALL DOCUMENTS RECEIVED. XX/XX/2016 XXXX requested more documents ... not done as XX/XX/2016 close to 30 pages of requests scanned an emailed of which many were for the second and third time. Foreclosure threat started in XXXX and Bankruptcy in XXXX and XXXX.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

On XX/XX/2016 my computer was not working properly and soon afterwards I got a text message from XXXX ( XXXX ). They informed me my computer was hacked and they convinced me to dowload some software that amounted to {$1100.00}. I gave credit card info over phone and they downloaded the software. XXXX month later on XX/XX/XXXX same outfit texted me again and informed me my computer was hacked but this time they wanted me to pay {$2000.00} using checking account ... they asked me for check number. I immediately hung up and it dawned on me that above outfit is XXXX who hacked my computer and wanted to charge me again to download software ... .thus an online computer repair scam! I called CITI and told them what happened and they promptly credited my account {$1100.00}. They informed me and investigation would ensue and I would be recieving paperwork in mail. Several weeks later I recieved paperwork and filled it out completely and sent it back to CITI. In letters to me in XX/XX/XXXX ... CITI informed me that trasnsaction was legal and the {$1100.00} would be credited back to scam outfit AUROPCSUPPORT. XXXX things here XXXX. ) This is case of online scam that I clearly was a victim of. XXXX. ) This was NOT a case of someone fraudulently using my credit card via stolen from me ... ..I was in fact scamed into giving that info over phone which was in fact done fraudulently ... .something I informed CITI when I called them on XX/XX/XXXX I surprised that CITI credited back {$1100.00} to a SCAM OUTFIT after telling them thouroughly what happend. As though it was legal given that I gave info over phone which is not the issue here ... ..I was in fact SCAMED via clever tactics on part of XXXX. I have since learned other things of this outfit and it is posted online that this outfit a ) has a trust rating of 30 % b. ) owner is hiding identity XXXX ) malware has been detected on site .... go to googe and put in ... 'review of auropcsupport.com ' and see for yourself. 
I have called CITI fraud Dept XXXX times of this and they told me someone would call me back ... .they HAVE NOT even bothered to call me back after XXXX phone call to them! 
I sent images of documents link of what I found online after putting in 'review of auropcsupport ' on google ... they might be a unreadable but will submit these and others about this case either via mail or fax just so you know.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Arbitration — 
Company: Paypal Holdings, Inc (IL)

I filed a dispute with PayPal on XXXX/XXXX/2016, which Paypal closed on XXXX/XXXX/2016 without communicating with me or investigating on my behalf the fact that a seller with Paypal defrauded me out of {$2600.00}. Per Paypal Dispute Resolution policy, I filed a request for Arbitration on XXXX XXXX, 2016, and I sent it by Certified Mail per Paypal policy, and I have the mailing receipt. Paypal has not responded to my request for arbitration and has ignored my repeated requests to have this matter presented to arbitration, despite Paypals 's policy regarding the consumer 's right to arbitration. Most recently, Paypal continues to claim, in written correspondence to me, that they have not received my request for arbitration, even though I have a certified mailing receipt that XXXX was mailed to the PayPal/Bill me Later, XXXX. XXXX, XXXX XXXX, CA, Litigation Dept. address. 
Please assist in this matter as Paypal is not following it 's own policy regarding the consumer 's right to request arbitration and their advertised consumer protection policies regarding Paypal 's Consumer Purchase Protection Agreement.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (CA)

I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a CitiGold bank account with Citibank on XXXX XXXX 2016 under a promotional code which offered XXXX ThankYou Points after I opened an account before XXXX XXXX 2016 and used Citibank 's bill pay system " during a calendar month and during the following calendar month '' per the message I received from XXXX XXXX on XXXX XXXX 2016 ( reference number XXXX ). I paid my XXXX credit card in XXXX and XXXX, so all requirements were met to satisfy the promotion. 
I sent a secure message on XXXX XXXX 2016 to verify all obligations had been met. XXXX XXXX XXXX confirmed all requirements had been met, via reference number XXXX. In the message from XXXX XXXX, I was promised XXXX ThankYou points would be received by XXXX XXXX 2016. I have not received the points.
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Sale of account — 
Company: CITIBANK, N.A. (IL)

I have been receiving credit card offers for the past couple of years through Citibank. Every time that I apply for a credit card, my application gets rejected. It is very frustrating to receive credit card offers every month and after applying at least three times, I continue to have my application rejected. I have sufficient funds in the bank and I have great credit. I work a full-time job as well. Thus, I believe that those are good enough reasons as to why I should qualify for a credit card.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (IL)

I applied for a conventional mortgage with Citibank to purchase a secondary residence costing XXXX XXXX I had liquid assets of XXXX that amount credit scores of XXXX a D/I of less than 20 % and current annual income of close to XXXX. My job was going away within 60 days with a written document payout of XXXX my annual base and 3 years deferred comp totaling XXXX the cost of the home and I was declined because I could not show I yet had a new job. I 'm starting my own business. I was told to pay cash I am also an XXXX male
Consumer complaint received 2016-05-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

for several years i have been making weekly payments on my mortgage to citi mortgage. most months these payments exceed twice the required mortgage payment. after reviewing my statements, it appears not only does the lender charge me late fees even though i have never been late,, but does not apply my weekly payments properly or in a timely fashion. i have seen my payments held for weeks un-applied, causing me to pay more in interest ever month. after spending 3 hours over 2 days trying to resolve a late fee, i am giving up talking to the XXXX customer service people and filing a complaint. there is XXXX XXXX late fee and an unknown amount of interest that i have over paid due back to me.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MD)

I received several late fees, and realized without my consent or knowledge Macy 's changed my last name on both of my credit card account ending in # XXXX & # XXXX, which prevented me from receiving timely statement. Although I made payments on both accounts for due date XXXX XXXX, XXXX, Macy 's is showing both accounts past due demanding I pay an addition {$37.00} on each account or will report the accounts late with the credit bureaus. In addition Macy 's is demanding a higher payment amount for next cycle billing based on their internal errors which created a problem with accurate reporting of information to the credit bureaus. This erogenous error has impacted my credit score and reporting with the XXXX credit bureaus and to date Macy 's is refusing to acknowledge the mistake, provided written documentation of who authorized the name change and why this information was changed. I had these account since XXXX, and the account has been under the name XXXX XXXX XXXX, on or around XXXX XXXX, Macy 's without my knowledge or consent change the name on the account to XXXX XXXX XXXX, Macy 's is refusing to correct their error within their system and with the credit report bureaus. This was done intentionally as retaliation for several complaints I filed with CFPB in regards to Macy 's illegal practices with manipulating the consumer credit scores and increasing the consumers line of credit during the holiday season to increase sale.
Consumer complaint received 2016-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: CITIBANK, N.A. (CO)

Constant phone calls when the account rolls past due. My payment is due on the XXXX of the month and I occasionally need to make the payment late due to the fact that I am paid on a bi-weekly basis. 

Recently, my account rolled past due, but I scheduled a payment that would be withdrawn from my bank account on XXXX XXXX, 2016. This payment was scheduled on Thursday, XXXX XXXX, 2016. 

Despite the fact that I scheduled a payment, the phone calls persisted. Between XXXX XXXX, 2016 and XXXX XXXX, 2016 I received a total of ( 17 ) calls from Citi regarding the account. I did n't answer most of these calls as they called while I was either at work or driving my vehicle. 

The phone calls are OUT OF CONTROL. There is no need for them to call me this many times, especially given the fact that a payment was scheduled. This is n't an isolated incident as this has happened to me every time my account has rolled past due. 

I would like to see this matter investigated as I ca n't be the only person who has this issue with Citi Student Loans.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

We opened a Citi AAdvantage Mastercard XX/XX/XXXX. In order to earn an account opening bonus of XXXX XXXX XXXX AAdvantage miles we were required to spend {$1500.00} in the first 90 days. After not seeing the account opening bonus post to her AAdvantage account, my wife contacted Citi via chat on XXXX/XXXX/XXXX to verify we met the terms of the promotion. Citi stated the promotion was actually {$3000.00} in 90 days but that we had indeed met the terms of the promotion, despite the mis-understanding and that the bonus miles would post soon. After a further 60 days the miles still did not post to her AAdvantage account. I then contacted Citi via chat on XXXX/XXXX/XXXX and was again told that the bonus miles were indeed earned and would be posted to the AAdvantage account shortly. After additional time had past without the bonus miles posting I contact Citi yet again and was only then told we had not met the terms of the promotion and no miles would be awarded. Despite multiple confirmations that we had met the terms, we suddenly had not.
Consumer complaint received 2017-02-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NJ)

XXXX years ago, My Credit Score was dropped from XXXX to XXXX. I run my credit report via XXXX and XXXX. I found out there were {$290.00} charged on my macy 's account. I called macys many times and still ca n't get the issue resolved. They have n't even provide me the credit card statement. I have requested for it many times. All they were saying I have {$290.00} due on my card and I have to pay for it. I have been keep telling them I have n't use my macys card almost XXXX years. Everytime I call them, They said they are doing their investigation. I also file a complain via macy 's fraud department email. But still have n't received any response. This has been going on almost XXXX years and at this moment I want to get this issue resolved.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (PA)

XXXX XXXX XXXX XXXX had this account during the statue limitations. XXXX financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXX XXXX. XXXX and Citi Financial has put and double jeopardy on the credit trying to collect from the same debt. XXXX XXXX has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for XXXX XXXX within the 6 years and more about this account .This account is also past the statue of limitations. XXXX has been acquiring contacting the credit bureaus using my social security number.
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

I want to file a formal complaint against " My Best Buy Credit Card ''. Today when I received my mail I opened it and I saw " Interest Charge '' for the amount of {$210.00}, then I called their Customer Service Department to try to remove that Interest Charge because I 'm not or was not aware of such " Interest Charge '' I spoke with a lady name XXXX.I asked her to give me some type of Identification as her Employee Id or Last name She said she ca n't provide to me, she says she is part of a Management Team from Tennessee her team Id is # XXXX. This lady instead to assist me she tried toCharge {$300.00} for the balance to paid on full so she could remove the " interest charge : I said to her I never was aware of this Interest Charge of any previous purchases Idone All the time when I buy with this credit card I got free interest until balance is paidoff, So since she did n't want to assist me to remove this interest charge I told her I wouldformally put a complaint against their Credit Card For " Switch and Bait '' with the CFPB Now I see the illegal way to try to charge me extra amount of money without me notice it .Please assist me to resolve this issue I 'm reporting at this time.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CO)

Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and XXXX bill payments within XXXX months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed over the phone. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.
Consumer complaint received 2016-05-18
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. (VA)

I applied a credit card to a XXXX XXXX XXXX and they denied to me. 
Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. 
We received your report from : XXXX, please contact. 
I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. 
I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 
2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 
3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?
Consumer complaint received 2015-09-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
Consumer complaint received 2016-06-27
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. (CA)

Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.
Consumer complaint received 2016-05-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (HI)

Twice for the last two years I have gone into Bank of the West at XXXX XXXX XXXX, XXXX XXXX, California XXXX to claim my trust/inheritance and the same bank informed me that such an account does not exist. My account is currently inactive and sits within the above mentioned Bank of the West within its own account under my social security number.