davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Harris & Harris, Ltd. (MD)

XX/XX/XXXX received discharge of debt. XX/XX/XXXX XXXX intercepts my taxes claiming it was for past loans and XXXX. Even though they sold this account to Harris and Harris in XX/XX/XXXX according to their records I was never notified that I owed a balance to XXXX or any other fee.Therefore not allowing me time to dispute or address any issues.Central collection then sells debt to Harris and Harris an independent collection company. They both was trying to collect the same amount of money.After providing proof of the error XXXX lawyer refuse to speak to me and the employee lawyer refuse to answer my call and address the issues at hand.I have continuously received bills stating the bill is for something else and I continued to dispute all bills..After contacting Harris and Harris and informing them that this debt was discharged they continued to contact and threaten me in regards to this discharged debt.As of today I have not received any remedies from the collection company. I have also requested additional document in which they refuse to provide.These companies have reported to the credit bureaus that I do n't owes these monies in XX/XX/XXXX but continue to try and collect the same monies they stated I do not owe.
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Harris & Harris, Ltd. (IL)

On XX/XX/2017 I received a voice message for an agent ofHaris & Harris about a debt they claimed I owed. I did not recognize the company or any debt I could owe to them. I checked my credit report and it listed negative information. I sent the company a letter requesting information and have not gotten any responsive
Consumer complaint received 2015-11-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

Received Sears Credit Card checks with offer of no interest for 2 years for purchases or balance transfers. There was a mention of a fee for using this service but did not indicate amount. Upon receipt of bill there was a service fee of XXXX % on the balance and then they charged interest on the service fee. No where in the information did it say you would pay interest on the service fee so their offer of no interest on the balance is incorrect. Believe this to be false advertising and excessive charges not disclosed
Consumer complaint received 2016-02-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (AP)

Received instant credit from Macy 's in-store and purchased items. Macey 's failed to deliver a bill, a card, or any method to check account or pay until AFTER the due date, but still assessed late fee. Immediately upon receiving bill I attempted to pay online, but their system remained down for a full day. Even though i paid the amount in full AND the inappropriately charged fee, they STILL assessed an additional interest fee. they agreed to close the acocunt. I am receiving this treatment as a direct result of my being XXXX address, and the company not getting initial card or bill to me in a reasonable amount of time before due date.
Consumer complaint received 2016-12-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Using a promotional code as offered on the Citibank website for a {$400.00} credit toward my checking account once the account was funded with {$15000.00}, I opened a checking account on XX/XX/XXXX and deposited {$15000.00}. According to communications from Citibank the {$400.00} promotional code was to be applied to my account no later than XX/XX/XXXX which is 90 days after the initial 30 days XXXX 120 days total ). I have contacted Citibank several times and all the customer service reps have explained that the promotional code should appear on my account soon. Citibank has not lived up to their end of the bargain and continue to tell me that the complaint has been escalated to the promotional department but we should just allow them time to complete my eligibility. They already have verified my eligibility and wrote me that I qualified.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Hello and thank you for your help. I'm exhausted. I ordered my credit report for the first time in years in XX/XX/2017 and discovered 8 accounts that were in question and unauthorized inquiries. I sent notarized and certified verification letters to the three major credit bureau XXXX XXXX, Equifax, XXXX and also directly with those creditors. I've had success and down to 3 account still ignoring me and reporting negatively with no verification. XXXX XXXX, XXXX XXXX, and XXXX/XXXXXXXX. It has been 6 months now and they and the thee Bureaus have given no explanation or physical documentation just stating " verified '' on my credit reports and not removing the unauthorized inquiries. I've sent out 4 rounds of disputer letter over 6 months. Please Help Me.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has again issued a debit card without our request that would access our savings account. It also happened about 2 years ago. It is very upsetting because we didn't ask for it and it accesses our savings account. We already have debit cards that access our checking account. Like we told them last time, we don't want the card and we were upset that a debit card would access our savings account. We have had debit cards compromised before, which seems to happen easily at gas stations and ATM 's per our experience and reading about other people 's experiences. 
Even if our debit cards or checking account are compromised, we don't want the bad guys to access the money in our savings account. Both 2 years ago, and today, they canceled the card and confirmed that our debit cards can not access our savings account. But it seems very wrong to issue credit cards without our request, especially credit cards that access savings accounts! 
We don't need any response or action, but Wells Fargo should stop doing this! 
Thank you, XXXX
Consumer complaint received 2015-09-02
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

I received a copy of my credit report from all XXXX of the credit reporting bureaus. An account with The Home Depot was listed as an adverse account. I contacted XXXX. They stated that I need to contact each of the credit bureaus. I filed a dispute with XXXX This bureau stated in the dispute response that they reported correctly based on what XXXX reported to them. I feel like I have no way to resolve the inaccurate reporting by XXXX of an " adverse account '' for 5+ year of activity that only had XXXX account with XXXX payment over 30 days.
Consumer complaint received 2016-07-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

I opened a CitiGold checking account with Citi in late XXXX XXXX. At the time, they were offering a XXXX point XXXX bonus offer for meeting minimum terms within 2 months ; which I did. They were supposed to credit those points to my account within 3 months of meeting the spend, which at the latest would have been end of XXXX. I have written them and they have acknowledged that I met all requirements but then tried to say that they did n't have my XXXX number and would credit it as soon as I got it to them. This obviously is not true because on my account page with Citi it shows my XXXX membership information. I called on XXXX/XXXX/XXXX and gave them my information over the phone expecting an immediate response. Today, over a month later, I still have gotten nothing from them except they continue to charge me the {$30.00} fee to my account. Please Help
Consumer complaint received 2016-04-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I had a HELOC with Citibank in 2010 that was charged off but no document was sent to me that provided the filed date. I am attempting to retrieve a document with the charge off date as the credit bureau has it incorrect and/or is unclear about the date. I have spoken with XXXX different people in XXXX different departments always being transferred from one person to the next. I have sent 18 requests via fax since Thursday, XXXX XXXX with my information to confirm receipt. I have not received any communication from them from those requests. All I need is a document with the correct charge off date so I can have my credit corrected.
Consumer complaint received 2015-05-06
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was sold patio furniture by XXXX and I find it to be sub-par. I want a refund to replace the faded cushions and ripped and torn covers. Below is my correspondence with the company, and the transaction details ( plus an additional {$130.00} they charged me for patios covers- see pictures attached ). 
Dear XXXX, How long do you think this outdoor set will last under normal conditions? 

Thank you. 

- XXXX XXXX, The frame is powder coated aluminum so it will not rust. We sell outdoor storage covers to help protect the furniture. I would recommend putting it inside somewhere during winter months to help the longevity of the product. If you take all these steps there is no reason this furniture will not last years and years. 

- XXXX XXXX, Attached are pictures of the patio set I bought from you 9 months ago. I had to order the 'covers ' from you because the red cushions I ordered turned pink in the sun the first day. They are so bad now, I just leave the furniture covered ; I will probably have to buy expensive fabric paint and paint them so they are not such an embarrassment. The covers are completely and utterly worthless ; they tear like tissue paper. I live in downtown XXXX XXXX where it rarely rains, there is no wind, and the average temperature is XXXX degrees. There is no snow or thunderstorms. For the money I spent, I am very, very, very disappointed in the product you sold me. 
XXXX XXXX XXXXPaid withVISA x-XXXXYou 'll see " PAYPAL XXXX '' on your card statement. 
Shipped toXXXX XXXXXXXX XXXX XXXX, CA XXXXUnited StatesTrack your shipmentXXXXXXXX XXXX, Marked as shippedStatus : ShippedTransaction XXXX infoXXXX XXXX ( XXXX ) XXXXXXXXXXXX to XXXX XXXX red cushions, please. Any issues, please do not hesitate to contact me. Thanks again, XXXX XXXXYour purchaseXXXX PC Modern Outdoor All Weather Wicker Rattan Patio Set Sectional Sofa Furniture $ XXXXItem # XXXXShipping $ XXXXTax $ 0.00Purchase total $ XXXXFee $ 0.00Total {$1100.00}
Consumer complaint received 2016-12-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CT)

Received notice of account closure on XX/XX/2016 from XXXX due to inactivity. Called to inquire and was informed that if new application was submitted and approved the XXXX reward points lost would be reinstated. Card was approved however points were not reinstated. Contacted XXXX at Citibank 's XXXX offices ( direct line XXXX ) who confirmed recorded conversation promising reinstatement of reward points for credit card application. Was informed that decision was made not to reinstate. 
Consider this an unethical sales practice.
Consumer complaint received 2023-02-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

Last year my PayPal account got banned. I received an email from them saying I violate user agreement policy but they did not explain the specific reason and what rules I violated they just banned it and put permanent limitations in my account so I can't access my account balance nor send or withdraw it. 

I researched online what are the common rules of PayPal and I think it's because I try to link my PayPal account to my bank account that my mother already try to link that bank account of mine in her PayPal but unsuccessful since it did not match her name and my bank account.

I thought that bank account of mine is free to link on my own PayPal account as my mother failed to link in hers. 

I did not intend to commit any fraud or any illegal activity or any violations I hope PayPal gives me a second chance and let me retrieve my account. 

I sincerely apologize for inconveniences I have made in PayPal for that matters but please give me another chance to correct my unintended mistake
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NH)

I signed up for a Citibank Interest Checking account because they were offering a {$400.00} cash bonus. The terms of the bonus were as follows : must deposit {$15000.00} within 30 days of account opening and must maintain that balance for 30 days. The bonus would be paid within 90 days of meeting those terms. 
I transferred in {$15000.00} on XX/XX/XXXX Met 30 days criterion on XX/XX/XXXX ( balance never dropped below {$15000.00} ) Met +90 days criterion on XX/XX/XXXX I 've tried calling Citibank several times since then to get them to post the bonus to my account and have been met only with promises to investigate the issue further. The representatives I 've spoken with have confirmed my eligibility for the bonus and seem as perplexed as I am as to why I have not yet received it.
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (IL)

Macy 's credit card services recently underwent an online site update that has made it impossible for me to view my statements or update a payment. Without my consent, Macy 's changed my automatic payment from minimum+ {$100.00} to simply the minimum payment, causing me to incur interest I do not want to pay. When I talk to customer service they say they can not fix the issue and that I have to login to do so. Macy 's online site has been unavailable for weeks and I am now going into a XXXX billing cycle with this problem. Also, because I have electronic statements, I can not view them. Macy 's refuses to fix the issue with my account and therefore I am not able to review my account, check it for fraud, etc. They also refuse to give me any updates on when the issue will be fixed and frankly will not speak with me regarding the source of the problem. They only state " we do n't know when it will be fixed, try logging in tomorrow. ''
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MD)

I have a Macy 's American Express card. My payments are ALWAYS on time. For the past 5 months ( I have statements to prove ) they have sent me my bill with late fees, purchases and interest charged. This account was requested to be closed and I do not have a credit card to even make purchases. Each time I have called they give me a hard time then they say your are right we will make the adjustments. They tell my my new balance and minimum payment. I make the minimum payment and again they send me my bill with late fees, purchases and interest charged. I called a few months back and I was told that they were sending my payments to another card. When asked for that account they told me they could tell me. This is beyond ridiculous and I am frustrated and tired of getting this fraudulent bills and then I have to take time out of my day! Please help me as I want to pay this amount off and never ever use an American Express card again.
Consumer complaint received 2022-10-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (OH)

My wife had a car loan through Ally Financial an online bank. She passed away in XX/XX/XXXX. The car was repossessed in XXXX at which time to get it back the loan was paid in full. I have never received the title or a release of XXXX to get the car registered to me. I went to the Ohio title bureau in XX/XX/XXXX to request a replacement title. They said it still showed a XXXX on the car. Ive called Ally numerous times since then and they do show the car is paid in full. They have said theyve mailed the title/release, that theyre going to mail it and XXXX get it in a week to XXXX days ( I, havent ). I get transferred to numerous people and departments to no avail. The plates on the car expire soon and XXXX be stuck with a car I cant or shouldnt drive because of their negligence. The car is or should be legally mine but I cant prove that since I dont have the proper papers. The loan was in my XXXX name only, XXXX XXXX XXXX for a XXXX XXXX XXXX. I would tell anyone not to do business with Ally Financial
Consumer complaint received 2016-03-30
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (PA)

I have a macys card which was switched over to XXXX and the XXXX folks confirmed that I did n't receive a statement or notification that a balance was due. While they are reversing the late charges and updating the credit agencies, my credit limits were reduced ( on a citibank card which I learned from trying to balance transfer funds ) which will cause me to incur finance charges that I would otherwise not have to incur. While I am not asking for anything I think it would be beneficial for XXXX and Macy 's to communicate to cardholders when there are charges due on an account. I specifically asked if an email notification or other notification was sent via billpay and they said " No, we apologize and will reverse the late fees and update the XXXX '' While this is a basically 'acceptable ' response it caused me to spend time and effort on something that should not happen. Ideally I want XXXX XXXX dollars so I can retire and educate people on this but I know that 's not realistic!
Consumer complaint received 2016-07-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

After seeing a promotion on my Citi credit card website, I saw that CitiBank targeted me for a promotion which selected Citi AAdvantage Platinum Mastercard holders and offered them XXXX AAdvantage miles if the targeted customers opened up a CitiGold checking account, made {$1000.00} in purchases, and 2 bill pays. 

I called Citi to opt in to the promotion, opened up the Citigold account, made all the spend limit purchases on the debit card for XXXX and the two bill pays - I did all of this and have yet to get my points, a proper response from Citi, and am being totally stalled. 

I have contacted Citi MULTIPLE times via phone, online messages, and chat. There has not been a proper response, and Citi even got the dates wrong and told me one thing and then another for their 'investigation ' into this matter ( I complained on XXXX XXXX, was told I 'd get a response in two business days, never did- contacted them again ... no response, said my complaint was on XXXX XXXX!!! ) I 've read reports online that this is happening to a lot of people, and it is a shame that Citi has swindled so many people.
Consumer complaint received 2016-07-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

Macy 's somehow got my XXXX year old Mother 's phone number. They called her 3 times before noon last Sunday regarding debt collection of my account. I am XXXX years old and have never give my mother 's number to any credit card entity. It upset my mother terribly. I called - It took three tries to find someone whose English I could understand. Finally I got " XXXX '', a rep, who refused to tell me how they got her number. He finally did say it was added XX/XX/2015. I have been ill and unable to work. I have told them I will pay as soon as I can. While I was on the phone " XXXX '' over and over kept trying to get me to say I would pay by next Sunday. I told him I would not say that -- that I would pay as soon as I could. He kept on saying the same thing over and over. I feel calling my Mother at all and even worse on a Sunday, as well as the way XXXX kept trying to get me to say I would pay by the following Sunday, when I told him over and over I would not say that and I would pay as soon as I could is out of line and total harassment of both my Mother and myself. My Mother was EXTREMELY UPSET!
Consumer complaint received 2016-03-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OR)

My wife and I were working with XXXX, a HUD approved mortgage counselor, to apply for a HARP modification with CitiMortgage. We had initially applied in XXXX, 2015 and after numerous submissions of income and information, we were denied the HAMP modification. Our housing counselor at XXXX even mentioned that we should get a lawyer at one point in the process because CitiMortgage was giving us the runaround. CitiMortgage told us that the reason the HAMP modification was declined was because our income of $ XXXX/month did not reach the XXXX % mark for the loan to be modified. We were only at XXXX %. The XXXX counselor then contacted CitiMortgage to confirm the numbers and asked, at our request, for an appeal and that CitiMortgage include the income of my mother-in-law, XXXX, to qualify as well, since she is living in the home with us permanently and my wife and I have power-of-attorney over her finances. After much back and forth, CitiMortgage decided to allow her income on the appeal, which was around $ XXXX/month. All we needed was another $ XXXX/month income to get the HAMP modification and XXXX agreed to let us use $ XXXX/month toward that purpose. However, when we reapplied, CitiMortgage again rejected us for the HAMP modification. They stated that from our original income of {$5000.00}, the new income for the second decline was {$4900.00}. Instead of increasing the original amount of income by {$800.00} to {$5800.00}, CitiMortgage decreased our income to {$4900.00}, a decrease of {$130.00}. This is fraud. After that, CitiMortgage offered us a blind " modification '', as they called it, of a 40 year loan with 7 % interest that was not based on any of our income. This is bait and switch.