davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citibank checking account on XX/XX/XXXX and deposited funds on XX/XX/XXXX. I opened the account because Citibank promised XXXX dollars would be credited to the account after XXXX days of making the deposit. The exact wording of the offer reads as follows " the cash bonus will be credited to your new checking account within XXXX calendar days from the date when you completed all offer requirements. '' Beginning XX/XX/XXXX, I have called Citibank multiple times. Each time, I have been told that all requirements have been met and that they are investigating the problem.
Consumer complaint received 2016-08-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have been attempting to obtain a home equity loan modification from Citibank since XX/XX/XXXX because on XXXX/XXXX/XXXX the 10 year note matures and instead of being interest only it becomes interest and principal. I was assigned an agent within Citibank who sent me forms to fill out which I did to begin process. I filled out forms, uploaded them to secure email host.XXXX. and began the process of obtaining a loan modification. Since XXXX/XXXX/XXXX Citibank has shuffled me to numerous agents assigned to my case. In each instance after fulfilling my obligations to provide financial docs, permissions to obtain tax transcripts for tax filings of mine I have been " shuffled '' agent to agent ( approx. XXXX agents ). The agents have not followed through with communicating with and to me regarding status of my loan modification. I have been provided with new agents to deal with my case and a pattern of delay on Citibank 's part has been established and memorialized in notes I have written for each phone call to Citibank. Telephone numbers have been provided to me by agents ( via emails ) which when called connected me to wrong departments within Citibank, agents assigned to me " were not in the office '', " were not longer within home equity department, or simply did not respond to my communications after 100s of hours spent by me generating financial docs and providing them requested documentation either sent to me to fill out or required I provide them in order to obtain a loan modification in a timely fashion. Now I am about 3 months and 2 weeks from the time in which my loan goes from interest only to interest and principal, which will create a condition in which I will no longer be able to make payments and stay in my home. YESTERDAY I was informed by a supervisor at Citibank that Citibank WILL NOT begin a loan modification with me until I am late ( or/and delinquent ) on my payments on this loan, which as of this day I am still current on. In other words, I have to give up protecting my credit score and sacrifice my credit at XXXX years old in order for Citibank to consider performing a loan modification after consistently paying what I agreed to pay them monthly since XXXX XXXX.
Consumer complaint received 2015-05-14
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (OK)

I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.
Consumer complaint received 2016-05-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: SFS, Inc (IL)

In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX
Consumer complaint received 2016-01-20
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MO)

While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount.
Consumer complaint received 2016-12-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I had my first mortgage with XXXX XXXX modified in XXXX of XXXX with a XXXX Loan. I contacted my second mortgage lien with Citi Mortage in XXXX of XXXX to find out if they were going to modify my loan with the same terms. I contacted my Home owner 's support specialist at CITI XXXX XXXX at XXXX who stated that Citi Bank should have modified my loan automatically in XXXX with the same terms as my first Mortgage. She said it usually automatically done when they are notify by the XXXX. Citi Mortgage failed to automatically modify my first mortgage in XXXX and now are making me re apply for the XXXX LOAN and resend all new paperwork and application. I am worry because I understand that XXXX will expire in XXXX XXXX. My understanding with the XXXX rules is that the second lien should be modify as soon as the first mortgage is approved with XXXX without having to re apply.
Consumer complaint received 2016-06-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (FL)

Was in the process of looking for housing and did not even know there was a judgement on the account. I only found out because I wanted to get pre-approved and the mortgage loan officer informed me. If I had not run the credit report, I never would have known there were XXXX judgments with a substantial amount of debt on them. In this complaint, I will be addressing XXXX bank, Citibank. 

Citibank cost me and my family greatly since we were unable to secure the desired housing we sought after. Not only that, My wife ( XXXX ) XXXX at the time and myself lost XXXX of dollars because we were unable to afford proper housing due to the recent judgment. When making several attempts [ to correct the issue ] with the associated debt collectors, no one helped, As a matter of fact, on various occasions, my wife was yelled at and hung up on when trying to communicate by phone. 

I can not spend hours on the phone trying to convince someone to let me speak about an account that they did not even want to discuss with me. They told me they could not help me unless we could confirm information on the account. Well, why place something as significant as a judgment on someone 's account if you wo n't take the extra step to confirm social security numbers and birth dates? 

Before a creditor of any sort and especially one such as Citibank should not report anything to the credit bureaus unless there are proper actions taken to confirm one 's identity associated with the account that is being reported. 

I did not receive any letter of the accounts. I did not receive any letters or phone calls asking to confirm the information reported. Not one person out of thousands of workers for Citibank contacted us. And when I had to take time out of my working day to try to contact someone, I was faced with an uphill battle dealing with rude and incompetent workers. The management team was just as bad as their lower level workers. 

It has been over a year ( originally found on report XXXX/XXXX/15 ) and the judgment is still there and no one has even tried to call or anything. There has been nothing done about this issue.
Consumer complaint received 2016-12-02
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (FL)

identity theft/fraud. billed for purchases I did not make by Macys Dept Store. Macys XXXX XXXX. impossible to deal with. 
The original purchase was reported as occurring on XX/XX/XXXX. 
After months of struggle and the help of XXXX and a XXXX/Fraud Claims Lead ( XXXXXXXXXXXX XXXX on XX/XX/XXXX, sent me the email as follows " Dear XXXX, I have sent your claim in for the write off to our bank yesterday. In the meantime, I have sent a clearing letter out to you, resent your credit rating and requested a cease and desist on collection calls. Again, I apologize for any inconvenience this has caused. If you have further questions, I have provided my information below. 
Thank you and have a great week-end. '' I received a letter dated XX/XX/XXXX from Macys that my account has been returned to the XXXX 
I have since tried several times, unsuccessfully to contact XXXX. The people I have spoke with just gave me the run around. I did not make the purchases that they are billing me for. This is harassment and is causing much distress.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX XXXX Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( XXXX statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX XXXX miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CO)

CitiCards sent me an offer in the mail for an XXXX XXXX credit card with a promise of XXXX bonus miles if I signed up for the card. I applied for the card online as instructed and was approved and received the card. After meeting the minimum purchase requirements I still had n't received my bonus miles so I called and asked why. I was told that because I had had a similar card in the last 24 months that I was n't eligible for the miles. If this was the case then why did CitiBank send me the offer in the first place? When I applied online why did n't the system tell me that I was n't eligible? I would n't have taken the card without the bonus miles. This seems like a scam to me.
Consumer complaint received 2016-12-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (GA)

This is, in regards, to the unfair practices completed by Best Buy. When a customer makes a 6 months no interest purchase with Best Buy, it may sound like a good deal until ... .We made several payments on the purchase. As a matter of fact, we paid over the amount of the promotional purchase. This is what Best Buy financing company does unbeknownst to customers. They do n't apply the payments to the promotional purchase to reduce the interest or show the promotional purchase as paid off. When I called them about this, they stated, " I had to notify the finance company how I wanted the payments applied. '' My thoughts were I over paid the amount I owed for such purchase, but because there were other purchases on the account they stated the payments were made on those purchases instead of the promotional balance. This unethical practice cost me a lot of money in finance charges. Best Buy tries to purposely squeeze money out of consumers unexpectedly.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold account back in XXXX 2016 with a promotional offer of XXXX XXXX if I meet certain requirements. I met all requirements in XXXX 2016 and emailed Citi to confirm my eligibility and that I have met all requirements. A Citi representative replied to confirm everything and said I would receive XXXX XXXX in XXXX 2016. In early XXXX 2016, I called Citi again to ask where the miles were. They opened an investigation to verify my eligibility and promised to have an answer in 5 business days. I made XXXX additional calls to Citi after that in XXXX 2016 to follow up since I still have n't received the miles or a decision from Citi. I was told that they were still researching the issue and would let me know soon. During this time, I 've been charged XXXX monthly service fee already. I got so tired of this and I did n't know why they still needed to verify something that was already confirmed by them in the past. I do n't know much longer it would take, so I 'd much appreciate your assistance regarding this matter.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (FL)

In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (VA)

I am supposed to be covered under XXXX credit card for travel cancellations if something happens. My uncle died and I cancelled my flight and sent them the documents they asked for ; they have done nothing except tell me they ca n't find the paperwork to now, we need more AFTER I left the country and now have no way of proving he 's my uncle, I provided the funeral paperwork I even sent them the cancellation emails from the travel agency it 's disgusting they are being fraudulent I would n't have bought the tickets with that card if they did n't cover it I could have got cheaper tickets and bought coverage elsewhere. What am I supposed to do ask my grieving aunt for her marriage certificate and then how do I prove she 's my aunt? It 's ridiculous and XXXX card benefits said I did n't need all of that??
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Upon asking navient if there was anything to do to lower my monthly payment they suggested defaulting on the loan. I said no to default I do n't want to hurt my credit. They suggested forbearance which I also did not want to do. I asked for an income sensitive plan. They said they did not offer anything like that. They adjusted the plan so I am just paying interest but nothing substantial to the principal. Even that amount is more than what I can pay. I heard about the class action lawsuit against them for people who had the same thing happen to me.
Consumer complaint received 2016-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I sent Navient special instructions ( through their website email service ) on how I want my payments applied to my student loans. The response I got not only did n't confirm the usage of the instructions I provided but also told me the only way to have those instructions applied is to send in a check with instructions every month. Does Navient have to apply my special instructions regardless of the fact that they were communicated via email? And why do I need to recommunicate them every month -- and why is it somehow not applicable to my autodebited payment?
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MO)

I purchased a home owners warranty in XXXX 2015 when I bought my home. I had a plumbing issue, a plumber from the warranty company came out and the man was so rude to my wife and inappropriate and kept telling her why he could not fix the problem my wife asked him to leave the home. he slammed the storm door in her face. She called the warranty company as well as the plumbing company and complained. We hired our own plumber to come in and repair the issue ( bill attached ) which we paid. XXXX XXXX still sent me a bill for the plumber they sent who was asked to leave. Every time they sent the bill I sent it back with an explanation. Now it has been referred to a collections company.