davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NJ)

I am a Citibank Thank You Preferred Visa credit card holder in good standing ( and a Citigold Premium checking account holder ). In XX/XX/XXXX I received a balance transfer offer from Citi Bank with the following offer language : " Lower Rate '' : 0 % promo APR with a fee of {$5.00} or 4 % of the balance ; and " No Fee '' 4.99 % promo APR. I was confused because it says " No Fee '' but below reads " The standard balance transfer fee is {$5.00} or 3 % of the amount ... .. '' so I called Citi Customer service to get clarification. I was assured that the 4.99 % offer was indeed a " No Fee '' offer and that the language about fee was to show what the fee would have been if it were an offer with a fee. 
So I made a transfer of {$2500.00} with the XXXX 4.99 % check provided -- and, despite the stated " No Fee '' ( and the assurance from customer service that this is a " No Fee '' offer ), my account was charged a 3 % balance transfer fee ( {$75.00} ). 
I have written four times to Citi customer service via their website, by fax, and by U.S. mail asking that the {$75.00} fee be refunded but have not received a response of any kind.
Consumer complaint received 2015-11-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (TX)

Comerica has to be one of the WORST banks out here. I just checked my balance today and BOTH my accounts are overdrawn ... ( that has never happened to me since I have had an account ( s ) with them ) I have had complaints sent to XXXX and CFPB in the past about them. Yet ... they STILL get their way. 

I am charged an excess fee of some sort in my savings account. I do n't know how I have excessively done anything ... when I learned that the branch where I opened up my account has been transferring funds to and from the accounts? They claim it is to avoid an overdraft. 

They allowed XXXX dollars to be approved XXXX XXXX ... they have never in history of my account approved this transaction unless the funds were fully available. I am tired of them getting over me and accusing me of not having funds in enough time or whatever excuses/reasons they come up with. They need to fix this.
Consumer complaint received 2018-05-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION (CT)

ON XX/XX/2015 I purchased a XXXX XXXX. The price was {$20000.00}. Now that I reviewing the price because I can't afford it i realize that I owe {$28000.00}. I don't understand why I am paying interest and principle in advance. The numbers are way off. The place I purchased from is XXXX XXXX XXXX dealership in XXXX CT. My ARP is 14.95 percent I think I am being cheated. 

The reason I mentioned this, is why do i have to pay principle and interest on a car that I want to sell back to them for the total amount that includes principle and interest for the next several years? 

Is this legal?
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I have requested FedLoan Servicing to provide a history of all payments made on my student loans : including the date, amount due, amount paid and the date that each payment was credited. I have requested this information on 5 different occasions, but have never received it. I am enrolled in the Public Service Loan Forgiveness Program, so the accuracy of their records vs my records is very important. I have been in this program since XXXX/XXXX/2009. According to their calculations I have only made 68 payments that qualify. I, on the other-hand, have calculated 80 payments. I want to research this discrepancy by checking their payment history vs my records and they will not provide that information to me.
Consumer complaint received 2017-03-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A. (NY)

In XXXX 2016, I submitted a complaint to CPFB, # XXXX. The complaint was about XXXX reporting that I owed a balance to Citibank. I disputed entry with XXXX and asked for documentation to substantiate balance. XXXX could not get documentation from Citibank, yet maintained it on my credit file. I submitted complaint to CPFB seeking same documentation to substantiate balance. It could not be provided and entry was subsequently deleted from Chexsystems file and from credit reports. Citibank collection item has now reappeared on credit report under XXXX XXXX XXXX XXXX. Citibank has not been able to substantiate this debt, and I want it permanently removed from my credit report. Attached are documents from original XXXX claim.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Upgrade, Inc. (FL)

UPGRADE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   This is herby an official complaint regarding the deceiving and misleading billing practices with UPGRADE.com. 

I have had UPGRADE since approximately XXXX XXXX XXXXXXXX when I originally got the card the apr etc was told to me. A couple months ago I got something saying my APR rate was going down from the XXXX XXXX I used my line of credit couple times since then and it never happened. The rates they said I would have to pay monthly has kept changing.

Approximately two or three weeks ago I was notified without documentation my AVAILABLE limit was being reduced from XXXX XXXX to {$2800.00}. Now there website says Im overdrawn which Im not. The CREDIT AMOUNT was lowered Without any reasons like I stayed. I have called upgrade on multiple occasions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and promises were withheld. I have asked upgrade to CLOSE my account but they have failed to do this. 

I feel they have not lived up to therebargin and theAPR KEEPS GOING UP. Theyre charging me more interest when it shouldnt be.

I would like the following done : - A settlement amount I owed pre negotiated - My credit bureau report clearly shown I closed my account with the highest limit of XXXX XXXX 

I am willing to file a lawsuit if needed against upgrade including social media outbursts based on my experience Ive also sent a number of emails due to XXXX XXXX  but they have failed to be any use THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IL)

I have a Citi XXXX credit card with Citibank (Citicards CBNA). When I first got it, I received a phone call (possibly in XX/XX/XXXX) from a service representative that my payment was severely late, and they offered to set up automatic payments right there over the phone. I provided them with checking account information in order to do so. This recurring minimum payment has continued being taken from my checking account ending in XXXX every month, even when I have already paid over the required minimum with other payments.

I am in the midst of a divorce, and soon will not have access to the checking account that this persistent payment is being taken from. In XX/XX/XXXX, I attempted to get the payment removed since I'd set up a new and different automatic payment from my new checking account (ending in XXXX). The old scheduled payment can not be modified through the website, and numerous customer service reps I've talked through over the phone say that they have removed it and it is no longer visible in their system. On repeated calls after the scheduled payment was still listed as active on the website, I was advised to completely remove the checking account ending in XXXX from being listed on the account as that would prevent the payment from being taken. Despite these assurances, the payment was still taken out in late XXXX on schedule just as it had been for almost two years from the checking account that I do not want to be accessing.

Citibank should not be allowed to take money from a bank account that I no longer wish them to, they should not put the onus on me to call repeatedly to try and get it fixed, and should not give me assurances that they are addressing the manner when they are clearly not. They are wasting both my time and energy. The kicker is that after looking at my credit report, there is no record of any late payments on this card at all! I now question whether or not I was actually late on the card in the first place, and what Citibank's motivation was behind the initial phone call to set up this payment setup that they refuse to remove.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I originally submitted a complain against CitiBank on XXXX/XXXX/16. The case number is XXXX. CitiBank responded to the claim by stating they were sending a check for {$400.00}, the cash equivalent of the points I was owed for a promotion. However, the check never arrived. No one at the CitiBank phone support team was able to help me as they are unaware of the issue. Additionally, the PDF CitiBank attached listed my first name incorrectly as " XXXX '', leading me to believe that if I were to even receive the check, it would possibly be addressed to the wrong person. 

I have still not received the promised compensation as of this new filing.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a jointly held Checking Account online with Citibank. I had thought I could apply online and fund in person the same day, which this bank is apparently unable to do. Due to this, my husband had to open a second, sole owned, account in person at the branch. We opened the account in order to receive a credit on closing costs for a mortgage loan. Two weeks later, I called Citibank to close the jointly held account. I placed my call shortly after XXXX PT, while unpacking our new home. I was informed that the account can not be closed by the customer service line, apparently some 'new account ' department had flagged the account and would n't allow anyone but them to close it. I insisted upon an escalation and was told an after-hours form was being submitted to close the account. Three weeks later I received checks in the mail for this supposedly closed account. I called a second time and was told again that a hold was placed on my account by a 'new account ' division and it was preventing anyone from assisting me during the hours I am able to call. Again the representative claimed a form was being submitted and the account would be closed. The next day I went into the branch, during normal business hours, closed the joint account with a {$1500.00} balance, yet STILL could not close the {$0.00} balanced account. The store managed then informed me that a fraud department had flagged the account and even they were unable to override it. How can it be legal to hold a customer hostage like this? I am trying to ensure that no monthly service fees are charged, thus causing an overdraft on an account I do not want or need. How could TWO different customer service reps give false information that they are closing an account, the second representative claimed I would receive a confirmation email of the account closure that never happened.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (TX)

On XXXX/XXXX/XXXX, Citi advertised " Earn XXXX bonus ThankYou ( R ) Points after you spend {$0.00} in purchases with your card within 3 months of account opening redeemable for {$200.00} in gift cards '' I applied the card but citi never honored the signup bonus. I give Citi 6 months to resolve this issue and eventually the falsely claimed I was not eligible. 

The application was submitted on XXXX/XXXX/XXXX with Application Id : XXXX Response from citi Date : XXXX XXXX, XXXX XXXX EST Please be advised that because this offer was posted online in error we are still working to resolve this issue ; only the account that were was opened during the time in which this offer was advertised will be eligible for the bonus points. The adjustment of bonus ThankYou Points for applicable accounts is scheduled to occur during the XX/XX/XXXX billing cycle. 

XXXX XXXX, XXXX XXXX EST The resolution regarding the promotional offer that was posted in error was scheduled to be corrected by XX/XX/XXXX. Unfortunately, this has been delayed and the bonus Thank You points will post to your account XX/XX/XXXX. We apologize for any inconvenience this may have caused. 

Date : XXXX XXXX, XXXX XXXX EST We understand your frustration. 

At this time, the Thank you point have not been awarded. This concern is still under investigation. If awarded the points will be shown on the billing statement. 

We appreciate your business and value you as our customer. 

Regards, XXXX XXXX Senior Account Specialist, South Dakota Date : XXXX XXXX, XXXX XXXX EST Our records show the offer to earn XXXX bonus Thank You points if you spend {$0.00} was posted in error from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. Only accounts opened during this timeframe were eligible for the offer. We show that your account was opened after the offer was removed.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Accounts XXXX  Account XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX Equifax Account XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OK)

I owed money to XXXX for their XXXX XXXX which was paid in full, confirmed by them, during a garnishment in XXXX 2015. I got my mid month pay statement for XXXX 2015 and once again, had a garnishment. I contacted XXXX who advised me to contact TSI. I called XXXX and spoke to XXXX. I told him that XXXX confirmed that the debt did n't exist and he told me that they would not know that information. That the ORIGINAL CREDITOR would not know whether my debt was paid off or not. I was told that the US Treasury would be the only agency that would know and that they would not tell me any information. None of this conversation sounded correct to me. I would like someone to look into this, especially since I am receiving only {$560.00} a month in my pay due to TSI collecting it. I am XXXX military and can not support my family off of this small amount of money.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

We emailed a request for a payoff demand on XX/XX/XXXX. I called in today, XX/XX/XXXX, was told there was no record of it being requested. When I asked to speak to a manager the LoanCare rep hung up on me. This is not acceptable. -- -- -We see a disturbing trend of XXXX discrimination with LoanCare towards their minority borrowers. ********* Specifically, please look at the history of complaints centered around XXXX discrimination for this borrower. When is the Federal government going to put a stop to this????
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IL)

Citicard is calling my house repeatedly to collect a {$20.00} credit card overdue payment. Just today, XXXX/XXXX/15 they called at XXXX, XXXX, XXXX, XXXX, and XXXX. This is harassment and abusive. They need to stop this. Citi is calling from XXXX. Citi has been doing this for several days now.
Consumer complaint received 2016-01-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

been disputing fraudulant charges that were made on a macy 's acct i used to have. I 've contacted macys numerous times to report this. i filled out the required fraud information they finally sent me and i received a letter about a week later stating they investigated my claim and confirmed that the acct belongs to me and if i have any further questions to contact them at XXXX. I called them and was transferred 3 times before I was connected to a collection agency. I was also provided the number. XXXX. I was transferred and the person who answered the phone it was his home number. He advised me he keeps getting calls from people but it is his home number. I went over the number with him that I was provided and the gentlemen confirmed that is indeed his home number for 16 years. I am getting the run around from macy 's and now this acct is in collection. I made XXXX purchase with them back in 2014. When I noticed this on my credit reports I immediately attempted to contact them but they keep pushing me around and this is affecting my credit. I am furious with macy 's at this point and next I am going to obtain legal advise if this issue is not resolved. My time put into this is ridicilous and giving me someone 's home number saying that 's the number to the collection agency? Ridicilous
Consumer complaint received 2016-02-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MN)

I was applying for a loan modification with Citimortgage for my second mortgage loan. The interest rate is 8 % and my husband has been out of work since XX/XX/XXXX. He is terminally ill and is now on social security XXXX. I keep trying to work with Citimortgage and they keep asking for more information/documents. I continue to provide them what they ask for. This last time the loan modification review process began in XXXX XXXX. This is ridiculous, this process should not take 5 months. Each time they have asked for more information/documents, I have provided them asap. Attached are all my email exchanges with them. Most recently, I was receiving weekly emails with status updates that were really no update, just that they did not need any more information from me and that they were reviewing my loan for a loan modification. I realized after a few weeks that I had not received the weekly email, so I sent an email and of course did not hear back. Then I sent another email and my support specialist assigned to my account, said that my loan was now in Recovery. They can not do this. They need to finish the review of my loan modification request and notify me of an acceptance or denial. They also need to notify me that my loan is now Recovery. What kind of company does this? I work for a mortgage company, I know this is wrong.
Consumer complaint received 2017-01-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (FL)

I 've had my Best Buy Credit Card for several years, including through several bank switches. Some time in XXXX 2012, I was signed up for debt protection, which I never requested. I never noticed since I typically paid off my debts immediately. However, over the past 2-3 years I have been leaving a balance on my card. When finally deciding to to pay off the entire balance, I noticed I had been getting {$10.00} debt protection fees this entire time. I contacted BestBuy who told me to call this special debt protection number. I called them and they canceled. However, they could provide no details of when I " opted in '' other than a date. I asked for reimbursement. They told me it would take 30 days for a " decision. '' However, they offered to email details of my opt in. 

After 30 days we called to find out the decision and was told that a decision had not been reached, but we should receive something in the mail shortly. We never received a decision and never heard back. It has been 90 days. I received the letter regarding my opt-in and it was only a letter specifying the date, which I was already informed months earlier. We are still unable to get anything done through this debt protection company and credit card arm of BestBuy has no interest in this.
Consumer complaint received 2017-02-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

I check my XXXX score on a monthly basis to make sure that my credit score remain very high. I was never late with payments and all my accounts were in good standing. XXXX 2016 I noticed that my XXXX score dropped significantly. When I inquired, it was due to late payment from Macys. I was surprised so I called them, and they said you bought shoes for XXXX dollars ( which I returned and got credited for ) and a XXXX dollar candy bar ( which I did not return ). I told them I never received an email nor a statement or even a phone call. Now the charge is XXXX dollars which I gladly offered to pay if they remove the negative reporting. However, they said I need to pay it then I can talk to the collections department. How absurd is that? They have a right to report negative information but I have no right to defend myself? Now my credit score is down XXXX points because of a XXXX dollar candy bar? I had this account 7 years ago and not once was late. I hope to see more of your stores closed and see you in bankruptcy proceedings very soon.