davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CT)

I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely XXXX
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.
Consumer complaint received 2016-06-03
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (AZ)

Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!
Consumer complaint received 2023-02-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bought my mortgage in XXXX  and immediately sent me my new payments that were doubled the original. I complained to them and sought help but found no one to help. I was desperate and tried to sell but could not. I knew I was going to loose the house but ended up loosing my house to a scammer that promised to take care of the problem but never did. I was scammed and Wells Fargo seemed to cooperate with the scam and shunned me. 

House was in my name until about 4 years ago when I finally found a lawyer to get it out of my name. The only reason why the lawyer could solve the problem was because after all that time, Wells Fargo started refusing to accept payments from the scammers even though they knew for years it was owned by a house buying scam. Why not, easy pickings for a free resale and all they had to do was foreclose on the people in the house who were put there by the XXXX  XXXX.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CT)

Chase Bank is the servicer of a loan on my property and we are trying to sell the nieghboe an small piece of land XXXX XXXX acres from our XXXX acres XXXX. And they have been completely unresponsive to my repeated phone calls and emails. A person XXXX XXXX, in the land Transactions deptatment ( XXXX ) is supposed to be getting this done for me, however he does not ansewr his phone or email and only after I contact customer service depatment ( after 2 time ) does he respond with more information he needs and then does not follow up. I was supposed to close on this property two months ago and It is completely unreasonable that they are not fullingin g their obligation to service this loan. I have sent the {$800.00} dollars in fees and spent countless hours on this already. I need help with some resolution.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (IL)

My complaint is regarding Citibank 's AAdvantage Platinum Select credit card. In short, I believe that this card is marketing and servicing strategy behind this card is knowingly deceptive. Citi is offering a financial incentive to open an account with them in the form of an alternative currency ( the offer I was promised was XXXX AAdvantage miles ). This alternative currency expires in 18 months unless a purchase is made with a specific vendor ( XXXX XXXX ), or the card is used ( a condition that is hidden in the fine print ). 

For the vast majority of consumers, the latter method of keeping their miles alive is obviously the more realistic option. In effect, this creates a significant financial penalty for closing the card ( often in the magnitude of hundreds of actual dollars ). As the card itself is not very competitive when it comes to rewards, the primary reason that I ( and I believe many others ) keep this card open and pay the {$95.00} annual fee is because Citi and XXXX have structured the card to essentially exploit this penalty. Their primary method of doing so is by limiting the ways in which the alternative currency can be used ( for example, miles can be used to pay for upgrades from coach to business class, but not for upgrades from a regular coach seat to a coach seat with additional leg room ). In addition, miles can not be used to partially pay for a ticket. These limitations effectively make it impossible to redeem miles in smaller denominations, which makes it much harder to redeem them at all. As a result, people are more likely to have miles left on their account and therefore a financial incentive to keep paying Citi a {$95.00} annual fee. 

Even more alarmingly, these limitations are entirely absent from any marketing materials for the card. I believe that most individuals somewhat reasonably assume that this alternative currency, which is only redeemable at one vendor, is at the very least applicable for any purchases at that vendor. Neither Citi nor XXXX XXXX would incur any significant cost for removing these limitations. When I called XXXX XXXX, they mentioned that they launched the paid upgrades within coach class over 4 years ago, meaning that they have had ample time to address this issue. The only reason that I believe these limitations still exist is because they allow Citi to maintain a deceptive financial incentive over their Cardmembers.
Consumer complaint received 2016-08-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (OH)

I have a a unverified account from CMI # XXXX. I had previously disputed this account. I have never done business with CMI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CMI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2018-05-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (LA)

Last XX/XX/2017 I signed up to take two classes at The University XXXX XXXX XXXX. After a month I was offered a new job in a different state and would no longer be able to complete the classes. These classes were also done at 8 week intervals. Meaning the fist class is taking for the first 8 weeks and the second class is taken for the last 8 weeks. As i signed up for the first class the tuition was not due in full until later in the session. When I was no longer able to complete the class, a representative from the university contacted me. As I told her my situation she understood and said I would be responsible for some of the tuition. I verbally told her I could not continue the classes and she said she would take care of it. The university is now expecting the full semester tuition, {$3100.00}. Once i moved, I received a letter for XXXX XXXX XXXX for collection of the debt.
Consumer complaint received 2017-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (KY)

XXXX XXXX XXXX is charging me for equipment which was returned. I have spoken to them numerous times about this and they told me in XXXX that this charge was removed from my account. Then, all of a sudden, in XXXX of XXXX it showed up on my credit as being in collections. I called them and was supposed to be transferred to their " recovery dept '' and was left on hold for 36 minutes. I then started a chat session and was also disconnected from that. They have the worst customer service I have ever encountered. I do not owe this and I want it settled once and for all ... not for 2 years and then all of a sudden reappearing on my credit report as a collection account. Very disturbing!!
Consumer complaint received 2016-11-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MO)

The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MN)

My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until XXXX
Consumer complaint received 2017-02-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

This is regarding a Costco AMEX card balance that was transferred to Costco CITI without my knowledge and consent. I did not asked for a new Costco CITI card and I did not applied for a Costco CITI card. I never got a written notice that this was going to happen automatically and have not received a Costco CITI card. As a result of this error in collection that was amounted to {$250.00}, my XXXX score dropped from 825 to 688 and continue going down. I had loss opportunities of seeking new credits such as mortgages, auto loans, or personal financing. Loss opportunity in getting jobs due to XXXX drop. Many others damages that is without end to name. I have tried to resolved this issue with CITI collection without any end resolved. Please help me correct this bank predatory behavior. Thank you ACH.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (TX)

I have had a Best Buy credit card for a number of years. I have only used it a few times over the course of several years. I have it set up on autopay and I do n't receive a paper statement so I do n't check the account regularly, as there is no need. Recently I logged into my account and was going to pay off the card when I noticed that despite my monthly payment, the balance has not changed that much. I began to look at my statements and noticed a charge every month for Debt protection. I called customer service to inquire about this charge and was told that it was added to my account in 2004. I informed the representative that I DID NOT authorize or sign up for this. They processed my request to cancel this from my account. I also requested a full refund of all the fees including interest that I have been charged over the course of the last 12 YEARS!!! I received a letter in the mail confirming that this debt protection had been cancelled and that they were crediting my account for 3 months of charges as a " courtesy ''. This is unacceptable. How can they get away with fraudulently signing consumers up for programs they did not authorize? I demand a full refund of the unauthorized fees and any interest charges that accumulated because of this.
Consumer complaint received 2016-11-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HW Holding, Inc (VA)

A collection recently showed up on my report for {$250.00}, for what looks like an apartment management company as the original creditor. I Googled the original company, and while I 've lived in XXXX of the states where they have complexes, never in those cities ( e.g. lived in CO, but not XXXX ). I even looked up the old complexes that I did live in, and they have n't changed management. I wrote a letter to the collection agency stating that I need proof that the account is mine, and I stated everything I stated above. I went on to say that if I found that I was responsible for the debt, I would pay it promptly ( I have moved 5+ times in 2 years, so I 'm not trying to skip out on a debt, I may have just missed it ). I also disputed it across XXXX, XXXX and XXXX, but it comes back saying " Updated : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' The collection agency has not responded to my letter, however, on my most recent credit report update, the collection is now reflecting as " closed ''. But it is still there as a negative mark. I do not understand. Are they unable to validate and instead of telling me that and removing it, they just mark it closed? This is negatively impacting my credit score at a time when I am trying to rebuild.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (FL)

Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions  XXXX , on Monday  XXXX  were claim to them to transaction s one fro m  XXXX  for {$30.00} another from  XXXX  for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at  XXXX   XXXX  in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is  two extra  overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday  XXXX  when the claim from  XXXX  and  XXXX  came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday.    XXXX
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Bank has been non-responsive and lied to me about the status of my billing disputes. They sent me a letter that is dated XXXX XXXX, XXXX stating my account will be credited {$3700.00}, but these credits never posted to my account. Also, this is not the full amount under dispute, which is {$7000.00} for XXXX transactions. I called on XX/XX/XXXX and XX/XX/XXXX. Each time they confirmed the dispute ( s ) were resolved in my favor, the correct amount of {$7000.00}, and these credits will be applied to my account, which never happened. I called on XX/XX/XXXX and was informed there are no credits pending and there is no record of this letter I received on XXXX XXXX. They requested me to fax the letter to them, which I did with a cover letter and have not received a response. 
Previous history : The first letter I sent was on XXXX XXXX, XXXX regarding disputing transactions from XXXX to XXXX. Synchrony acknowledged receipt of my letter on XXXX XXXX. I called in XXXX and was informed I 'll receive resolution letter within 30 days. I received nothing, so sent a second letter on XXXX XXXX, XXXX. Once again, I received written acknowledgement on XXXX XXXX, same generic response as XXXX XXXX. Then my next communication was the XXXX XXXX letter. None of this is following the dispute process outlined under federal law.
Consumer complaint received 2016-03-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BARCLAYS BANK DELAWARE (TN)

XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. 
After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. 
In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. 
I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! 
That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. 
I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (FL)

On about XXXX XXXX 2015, Barclaycard closed all my credit cards unexpected and about XXXX points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fee on my Arrival+ card and just lost all benefits I should enjoy upon the account closure.
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (IN)

I am, disputing my Barckylcard rewards mastercard that I opened back in 2013. There it shows a balance transfer in 2013 back in XXXX that was made to all of the credit cards that I had under my name. The charges went to XXXX, XXXX XXXX XXXX and also XXXX. I called to dispute this charge sense I did not only have the card yet when I just applied for it, but also I was uneployed at the time and was not going to be getting a credit card to pay other credit cards. I am waiting for this issue to be fiexad and also the balance tranfer fee to be taken off of my account after XXXX years. I reported all of this as fraud and it keeps coming back that it is all valid. Yes, the accounths that was paid was my other credit cards but yet again, was not even done or the card was not in my hands or I did not recieve it at that time of this issue.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (MI)

I have a card account by Synchrony at the Lowe 's store. It took a long time to get my card and apparently it was sent somewhere else before they sent a new one to me. At that point the person who recieved my card originally stole my identity and has started creating multiple credit cards with the synchrony company in my name. I have submitted a fraud alert on my name twice since then! I would like any applications to the this rediculous card company to be blocked because I will never personally apply for a card through them, and any other applications are fraudulent! Please stop letting people steal my name and credit, because you are too money hungry and ruin people 's lives by not doing the proper background checks to actually verify a person 's identity.