davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (AZ)

Long time cardholder with CITI, no other accounts with them, always 'pay in full ' by the due date, except for a couple of times I forgot and missed by a couple of days, otherwise 100 %. Recently accepted a $ XXXX 'balance transfer ' offer, advertised as XXXX % until XXXX. When next bill comes in, I pay the balance down to $ XXXX and think nothing of it. Next month, same thing, and think nothing of it. This month I check the statement and they 've charged me interest. I call to ask why, and they inform me that " while the balance transfer amount is interest free, you are now charged interest on your " regular '' purchases " because your balance was not paid in full ''. Fortunately I check the statement to see this. 
This is fundamentally misleading, and they attempt to point me to the language in the CARDHOLDER agreement that says, " If you do n't pay in full on time, we charge you interest ''. Nowhere does it make mention of this in the offer of " zero interest balance transfer '', which incidentally they include with EVERY statement. 

They have, so far, refused to scrub off the interest, despite my 'non-balance transfer ' amounts being paid in full each month. Had I know this was how they would turn zero interest into 24.4 % interest, I would n't have accepted the offer. 
These guys are required to clearly post due dates, interest charges etc - this is a DELIBERATE effort on their part to benefit by most customers not knowing, and they certainly do n't tell you anywhere on the offer. 
I have paid the balance transfer and outstanding amounts off, and I am going to terminate the card as I will not do business with such a shady company. 
I would ask you guys to tell them they must make this in big, bold letters so people understand how they are trying to bait you into paying them interest.
Consumer complaint received 2016-05-20
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

Dear CFPB, My name is XXXX, living in XXXX, Florida. I am writing this letter to file a complaint about CITI bank customer representatives who intentionally misled me that resulted in my financial loss. 

I have applied a AT & T citi credit card on XXXX XXXX. The open bonus of this credit card is {$650.00} sign-up bonus! In order to get the bonus, you need : spend {$2000.00} in first three months and purchased a full price iphone 6S through a special link in my Citi account. Since XX/XX/XXXX to XX/XX/XXXX ( within the first three months ), I have had web live chats and phone calls with citi representatives to confirm that I had met all requirements. They kept saying to me that I have met the requirement and I can get {$650.00} open bonus again and again. However, after waiting three months, it did n't happen and I was told by CITI bank thenthat I have n't met the requirement of {$2000.00} spending. Thus, I believe that I was treated unfairly that results in my financial loss. 

I have enclosed the purchase receipt of iphone 6s by using this card ( ending XXXX ), and a web live chat transcript happened on XXXX XXXX, XXXX for your references. The audio record happened on XXXX XXXX, XXXX will once again demonstrate that I was confirmed by the citi representative that I have fully met the requirements. Therefore, I request to get the full bonus as the statement Citi promised. 

Sincerely, XXXX
Consumer complaint received 2015-06-08
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (AK)

I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MN)

On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

We have Macy Credit card since 2009. This week, we received a letter from Citi Bank that stated we are ENROLLED in Credit Protection program. You have to call # to cancel the enrollment. We thought that this letter is a scam so we called Macy directly about it. We talked to the manager and complained that this is un-ethical business practice selling & charging customers service w/o their approvals. The manager offered connecting me to Citi. I told him that I am your ( Macy ) customer - not Citi. So you ( Macy ) are ok with this practice. He offered again to connect me with Citi Bank. 
So basically Macy knows of the un-ethical business practice from Citi and did NOT do anything to protect its customers base. No comments from the manager ... and again offered to connect me to Citi for cancellation. I told him that you just lost a customer. 

We are cancelling Macy card.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

I opened my first credit card with Citi bank in XXXX, this was my only credit card for several years. I had a balance for meany years and finally was able to transfer the balance to pay it off. I stopped using this credit card because I did not want to have a balance on it, the last time I used it was XXXX XXXX. In XXXX of XXXX, I received a notification from XXXX that my score had changed, when I logged in online it stated that one of my account was closed, it was my Citi card I opened in XXXX. I was furious because I never received any notifications of my card being closed from the bank!. Especially since I worked in banking for about 3 years, I thought this was very unusual since a lot of products are grandfathered.I called Citi bank right away and said they sent out a notice ( which I never received ) and in order to reopen the card they would have to pull my credit. So now i am confused because they closed my card which resulted in my score getting lower and now they are pulling my credit which would further reduce my credit score. They then said they would send me a replacement card, BUT it was returned ( based on a letter dated XXXX XXXX ). That is weird because I have been received SEVERAL promotional mail to open a new credit card with Citi Bank. When I called back in XXXX ( I had gone to a XXXX ), the customer service rep said that there was no replacement sent. I asked if they could resent me a card and I was told my account was closed again!! So now I AM FRUSTRATED AND ANGRY! They tell me that I would need to have my credit pulled AGAIN in order to determine if they could reopen it. So this is a 3rd strike on my credit because of Citi bank, and now they say that I CAN NOT reopen that card because of my credit!. This seems unjust and unfair because I was left with no option and at the mercy of Citi BANK! please help me reopen my credit card
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

Around XX/XX/2016, Best Buy/CBNA reported to the XXXX Credit Reporting agency that I filed Chapter XXXX bankruptcy against account XXXX and account XXXX. I HAVE NOT FILED BANKRUPTCY. After many hours on the phone with Best Buy credit card customer service, it was investigated and my account was re-opened. However, this morning ( XX/XX/2016 ) I received an alert from XXXX Credit Reporting agency that they have reported, yet again, that I have filed bankruptcy. I HAVE NOT FILED BANKRUPTCY. I am at my wits end of how I can get them to stop reporting this erroneous information on my credit report. I am trying to rebuild my credit and this is very damaging. Last month, I attempted to refinance my vehicle and was denied. Best Buy refused to provide where they are getting this information from so I could contact the lawyer, court or whomever provided this information. Please help. I can not afford an attorney but if that 's my only recourse, I will certainly hire one.
Consumer complaint received 2015-07-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SD)

Navient called and informed me that they would initiate litigation unless I worked with them to bring my loan current within 4 days of XXXX XXXX 2015 ( referred to as 'today ' ). They asked if I could pay the loans totally XXXX in full today, and I responded I could not. They then asked if I could pay 85 % of the loans today and I responded I could not. They then asked if I could make a XXXX dollar payment today to bring the loans current and avoid litigation. I said I could not. I offered to make a payment at XXXX the normal amount today, as well as XXXX next month and so on until my loans are current in XXXX 2015. I 'm not sure how current or paid in full or else recommended for litigation in 4 days then turned into current 4 months from now and I 'm no longer in danger of litigation.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

I have contacted NAVIENT several times since they took over my loan. They never would provide me with any other option than an outrageous payment amount. My husband is XXXX XXXX XXXX XXXX and we do not have the funds for child care. I can not work because I do not have anone to care for my children otherwise. I wanted to make payment arrangements but all I was offered was hundreds of dollars a month or 1 lump sum. I paid {$200.00} a while back but nothing ever changed on my account. It has made paying student loans impossible and completely pointless. Why pay when they just take your money!? This company is scandalous at best.
Consumer complaint received 2016-03-04
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

Brandsource which is a city bank card. I went to pay off the account.Told them funds was move to my checking account from the sayings account. They show acct paid when spoke to them on XXXX/XXXX/16. Told a rep payment wo n't go though once they put show the balance I would call in a pay it off. Citi bank has hit my savings account 4 times now. Even with me calling them again on XXXX/XXXX/16, XXXX & XXXX/XXXX/16. It is costing me fees. I was told by them they will hit the account as many times as my credit union allows. Since account still show a XXXX balance I have asked for a paid in full letter they would send on and they have n't. I want them to stop hitting my savings account and pay me back the {$75.00} dollars they have cost me in fees.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

Below is the essence of my complaint, extracted from a letter I wrote XXXX XXXX CEO of Citicards, division of Citigroup. 
I am writing to you about the usury -level interest rate Citicard is charging me. 
My interest rate prior to and including XXXX was 10.46 percent -high enough -- For some reason, I do n't recall ever giving consent or receiving any information about the change -- my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. 

I am a XXXX, with fluctuating income, and always busy, as XXXX XXXX said " the clock runs faster than the typewriter. '' Despite being busy, as far as I recall I have never missed a monthly credit card payment. I have a good credit rating. I am sure you can produce some document, which was undoubtedly tucked away in a stack of forms saying I authorized the change in rate. Let me say unequivocally, I do n't recall ever authorizing or agreeing to an interest rate of 26.74 % -- again that is usury. Just now -- XXXX XXXX, XXXX -- I noticed the high interest rate listed on my monthly statement -- portion of that statement is enclosed. 

I want my interest rate reduced to the original % 10.46 certainly a highly profitable rate for CitiCard. Let me quickly say, a banker friend of mine said of the cost of money over prime and its impact on banking- loan business. " At 1 % I loose money, at 2 % I break even, and at 3 % I make money. '' On XXXX XXXX, The XXXX prime rate was listed at 3.75 % .. 
Here is what I want : 1 My credit card interest rate lowered back to its original % 10.46 2. A refund of all the excess interest I was charged from XXXX, that is all money I paid above % 10.46. 
3. An explanation why my interest rate was raised. 
4. Copies of any alleged documents that I signed or agreed to raise my interest rate from % 10.46 to % 26.74
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX, I opened a Citibank account to take advantage of a checking account bonus offer. I funded the account with XXXX dollars on XX/XX/XXXX, and I maintained this balance for 30 days per the terms and conditions of the promotional bonus. 

XX/XX/XXXX, I contacted Citibank because I had yet to receive my bonus. An investigation was initiated and by XX/XX/XXXX I was told that I had completed all the requirements and I need only wait until XX/XX/XXXX ( 90 days after the initial 30 days ) at the latest to receive the XXXX dollar bonus. I did not receive my bonus, and I contacted Citibank again, who initiated another investigation. 

A few weeks later, I was told again that I had completed the requirements for the bonus, but now I was told that I had not submitted the necessary tax documents, XXXX, and I should contact the branch where I opened the account. I had submitted the tax documents XX/XX/XXXX, but I contacted the branch to correct the tax information and submitted the documents. This was done on XX/XX/XXXX. 

After another week of waiting, I was told by the branch manager through email that I would need to wait an additional 90 days to receive my bonus. I immediately responded to inform her that the terms and conditions and tax letter I received made no mention of any requirement to wait an additional 90 days. The branch manager has yet to respond even after I have contacted her three additional times. 

The branch manager and bankers at the branch refuse to speak to me. This is unacceptable. Citibank has violated its terms and conditions regarding this bonus, and I expect full credit of the XXXX dollars immediately.
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MI)

I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

We filed a travel insurance claim with Citi Cards, due to travel delays on a trip to XXXX in XXXX 2015. We were denied the claim as we had used XXXX/Citi cards miles to obtain the flights for this vacation. In the Citi cards literature it states that you must pay for the trip with the card to get travel insurance benefits, but it does not say that you can not use frequent flyer miles to get that benefit. We had paid for everything on the trip with the Citi card. While this travel insurance claim was minor in dollar value, I am far more concerned about the larger implications of this deception. For example, I recently traveled to XXXX and relied on Citi 's documentation on rental car insurance coverage ( including a coverage letter from Citi ) and therefore, declined the rental car company 's insurance. Had I been in an accident in XXXX and incurred significant costs for damage, I would now be liable for that cost, as again, I used frequent flyer miles for the plane ticket. ( note that the trip to XXXX was prior to Citi denying the earlier claim ). What is so misleading about Citi 's advertising is that the frequent flyer program is XXXX of the same benefits that Citi and XXXX XXXX promote with their card, in the same advertising/documentation as the travel insurance benefits - so one would expect that people would use miles to pay for some of their travel, which in turn, invalidates any later travel claim.
Consumer complaint received 2015-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I hired a service provider to develop a website for me and this never occurred. I then contacted the XXXX credit card company 's ( I paid the bill using XXXX credit cards ) and told them about the situation. Both credit card companies opened up disputes and XXXX credit card company XXXX citibank XXXX after 90 days said that they could no longer offer me assistance because it was past their time frame. The other company XXXX XXXX XXXX said that no billing error has occurred and that the merchant has shown that all billing information matches my information and that I was working with the merchant for website development. Obviously this is the case, since I hired them and gave them my credit card information. I gave XXXX credit card companies ( Citi Bank and XXXX XXXX all of the information that I could. CitiBank is trying to hold me accountable for almost {$2500.00} and XXXX for almost {$1500.00} I called the merchant and they too, are unwilling to help me with the situation.
Consumer complaint received 2017-03-08
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

We received the attached letter from Citibank regarding their mortgage refund program related to our mortgage we had with them in 2006. They are now giving us the paperwork run-around while trying to claim our refund. When I called the number listed in the letter about questions regarding the documentation and process requirements, the ( 3 ) people who answered my call had no idea what I was talking about. Citibank was ordered to refund cash strapped homeowners when the housing bubble burst and now they are making it next to impossible to get our refund! I 've attached the letter in question for your use.
Consumer complaint received 2017-02-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you