davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NJ)

Debt was settled and paid and judgement was satisified in NJ Court. A payment agreement was made before it went to court. Creditor is saying the attorney said there was no judgement. But it has been filed and satisified by the court. Attorney needs to rectify with creditor that this has been taken care of and balance is not due as it was agreed upon and settled. 
This may hurt my chances for a mortage. I did not know this was on my report since it was paid, settled, and satisfied.
Consumer complaint received 2015-06-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (OH)

We live in ohio and had citimortgage for our mortgage company, not by choice. We live in a city that we feel doesnt have a good school system for our daughtera so we have been paying for XXXX education. In 2012 we had XXXX girls in a XXXX school costing over {$20000.00}. We tried remodification multiple times with CitiMortgage but we didnt qualify for any help whatsoever. Our mortgage was messed up and i had to get the ohio attorney general involved. That same year my husband took a huge paycut and we couldnt make the house payments with our 9 % interest that we could not get help with from citimortgage. After about a year of not paying our mortgage the loan was sold to XXXX. Now our house has been foreclosed and was sold at auction. My questions are multiple. Why didnt we quality for any type of remodification when, according to the president, everyone should have received some type of help? Why would a company purchase a mortgage that was already in default? How can citimortgage have gotten away with doing what they do. I know they have alot of lawsuits against them but i dont have the funds to take them to court and now we are facing eviction from a home that we have lived in for 21 years. I feel we were wronged by citimortgage and if they would have remodified our mortgage, we wouldnt be in this situation. There has to be something done but we cant afford help.
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

I have a credit card for Sears ( SearsCard.com ) -- the contract states that they can change the conditions of this card. I received an unsolicited letter, attached, which states in the second paragraph that the Sears store card will be upgraded to a Mastercard unless I decline the offer. I believe that it is illegal to issue an unsolicited credit card unless you decline the offer.
Consumer complaint received 2016-08-31
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX and XXXX my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. More than {$35000.00} was sent by us over the course of 2 days via XXXX gift cards under the pressure and manipulation of the criminals. Beyond devastating. Nearly half of that money came from our Chase accounts. First my husband withdrew {$5000.00} from his Chase business account on XXXX XXXX upon the initial threat of those crooks, and then the next day on XXXX XXXX we kept coming back to Chase 3 times (! ) throughout the day withdrawing more and more money from our savings account, totaling {$12000.00} in a single day. No one at Chase asked us a single question why, all of a sudden, we are withdrawing so much money in one day ( when normally we would NEVER take out any money out of our savings account ). Would n't this be a red flag?? I remember 5 years ago or so we needed to withdraw an extra {$300.00} and the ATM machine stopped us! What is happening now?? The security measures at Chase really seem to have gone down a lot, making it unsafe to keep money at the bank. With all the scam and fraud going on these days, would n't it make sense to impose a very strict withdrawal limit per day? Would seem such reputable bank as Chase ( or so it is presented ) should have taken better precautions long time ago.
Consumer complaint received 2017-03-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Hauge Associates, Inc. (IA)

Hauge Associates, Inc of XXXX, SD has been reporting false information to credit bureaus for almost 3 years. As of XXXX they reported to XXXX, XXXX false claims of debt owed. On XXXX they filed small claims suit against me in court. I challenged that claim in court and prevailed on XXXX as the judge dismissed the case for lack of proof of their claim.
Consumer complaint received 2015-07-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blitt and Gaines, P.C. (IL)

XXXX XXXX CARD KEPT CALLING, SKIP TRACING AT WORK, HOME AND CELL FAMILY MEMBERS AND SERVICING LAWSUIT TO US. SEVERAL COLLECTIONS AND BLITT & GAINES.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

Citibank has offered a {$400.00} bonus for opening a new customer checking account. I accepted Citibank 's offer and opened checking account # XXXX ( citibank 's statement attached ), made a required opening deposit and made preparations to fulfill bank 's requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close my account a week later after accepting my opening deposit. All my attempt to find out why my account was closed and deposits returns were no avail. 

The bank has made a promise to credit a {$400.00} bonus upon opening of checking account and depositing {$15000.00} or more in newtoCitibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). 
I accepted bank 's offer by opening a required account and making a required opening deposit. Acceptance of bank 's offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$400.00} bonus because Citibank breached the contract by terminating my account without lawful justification or excuse. Citibank 's action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored.
Consumer complaint received 2017-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (KY)

My complaint is with CitiMortgage. I did a refinance in XX/XX/2016 and taxes were set up to be escrowed. At closing there were more than enough funds to pay the XX/XX/2016 property tax. Face value was XXXX. I received the property tax statement in XX/XX/XXXX and called to verify with CitiMortgage that it would be paid. I was told yes. In XX/XX/XXXX our county passed a XXXX tax for the schools. It was a one time thing and an additional XXXX tax. Soon after, I was issued an escrow refund check for XXXX. I called CitiMortgage to verify this was disbursed correctly. They assured me again that this was extra and all property taxes had been paid. I called again the next day to verify I would get the same information. I was told the same. Two days ago I received a delinquency notice for my property taxes with a 21 % penalty. They have not been paid. I called Citi, my loan officer, and the county to see what was going on. Three calls to Citi and they were still telling me all had been paid. Finally a fourth call and told XXXX was paid. That was a school tax not property tax. Now I am being told I am responsible for funds to escrow account to pay the tax.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (CA)

When applying for a Best Buy credit card, I was automatically " steered '' towards a program known as Debt Protection XX/XX/XXXX. In addition and/or as time progressed I did not find such a program useful due to paying my bill on time. XX/XX/XXXX, I contacted Debt Protection to cancel and/or requested a full refund in the amount of XXXX after speaking with a customer service representative. Begrudgingly speaking, a refund in the amount of {$55.00} was applied/approved ( i.e., 3 months payments ) within a 30 day time period. Shortly after assessing such findings on XX/XX/XXXX, I contact Best Buy 's Debt Protection platform and requested for my case to be reevaluated holistically speaking, for as a consumer I should be refunded all monthly premiums paid into " an insurance program '' otherwise known as Debt Protection. I spoke with a representative who stated " there is no guarantee '' I would receive a full refund. Based upon her response, I asked to be transferred to a supervisor to convey my displeasure with respect to this process and/or my case was resubmitted XX/XX/XXXX ( i.e.,, 30 day response per electronic disclosure received via online Best Buy account ). Please be advised both customer service representative and supervisor acknowledged an aforementioned balance in the amount of XXXX ( i.e., rounded figure ). 

XX/XX/XXXX, I have yet to receive any formal means of communication and/or contacted Best Buy ' Debt Protection and " DEMANDED '' my case be escalated after speaking with a Supervisor. As a consumer I am entitled to receiving a refund if a service is not being utilized, am/was being charged compounding interest, and should not have to be relegated to communicating with a third party customer care center located in Oklahoma where formal decisions can not be achieved. In summation, I am aware of a class action lawsuit settlement vs. Citibank in the amount of $ XXXX for such egregious acts. In summation, the primary objective is to have all remunerations refunded and applied to my account immediately ( Link : XXXX ).
Consumer complaint received 2016-11-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

I decided to give Citibank a try on XX/XX/2016 due to the " Reward your drive '' promotion. This promotion promised a {$400.00} credit to all new customers to open a Citibank account, deposit at least {$15000.00}, and keep a minimum deposit of {$15000.00} for 30 days. I did all of this. I was supposed to receive the credit within 90 days of opening my account. I contacted Citibank because I heard nothing from them on when they plan to deposit this credit. Citibank then has the nerve to tell me I 'm not enrolled in this promotion because I did n't verify my email address ( This is a lie, I have verified my email several times ) and then they claim I need to provide them a promotional code. This too is a lie because the promotion states nothing about providing a code. I found a code for the promotion and send it to Citibank, then they " investigate '' why they have not honored the promation while they let the promotion date expire!! This is complete false advertising. I complied with all terms and conditions of the promotion. I even enrolled in it and opened the account from the link on Citibank 's website. They know I am due the {$400.00} credit but the entire promotion is a scam, they are not going to honor it!! If all of this is n't bad enough they refused to allow me to pay my water bill the first month because they claim I needed to verify that I had received the check I gave the water company. I have over {$20000.00} in this account but they will not allow me to pay my {$40.00} water bill! I now have to pay a late fee and credit card fee because Citibank decided to " Freeze '' my account without telling me because they want to verify that I want to spend the {$40.00} check I gave the water company! I did fax a signature to verify that I received my checks before trying to spend one. However I had to contact the corporate office to get someone to check the fax machine!! Citibank is the worst customer service on this planet and needs to be shut down!
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I opened a CitiGold account with Citibank. I signed up with a promotion that gave XXXX XXXX for meeting certain requirements on said account. After I had met the requirements, I sent a message to citibank through my online banking and they confirmed that the offer was attached to my account and that I had met the requirements to get the bonus and that my bonus points would post in a certain time frame. Screenshot is attached. I messaged Citibank again to see why my points had still not posted and I am being told now that I was not targeted for this offer while the opposite has been confirmed many times over chat and secure message. Screenshot of new message is also attached.
Consumer complaint received 2016-11-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (NY)

Chase private student loan went into default because Chase transferred servicing to third party company and I did not realize. Letters were sent to old address, Auto-pay did not transfer over and I did n't notice until my credit score took a large hit ( XXXX to XXXX ) from the default. Servicing company XXXX took over the loan, which I confused with XXXX ( another Chase servicing company ) with whom I already have federal loans. Everything was current with XXXX, I thought nothing of it. Chase can not /will not reverse default.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (ME)

On XXXX/XXXX/XXXX I paid my Macy 's American Express card on time in full {$250.00} at the Macy 's store in XXXX, ME. I had tried to pay for weeks online, but the website was not working, nor was the phone payment feature and I could not get a representative despite calling multiple times for weeks, being put on hold for over an hour and then being hung up on. On XXXX/XXXX/XXXX I received a letter saying my account was overdue. For almost two weeks I tried to get through to customer service. On XXXX/XXXX/XXXX @ XXXX I spoke with XXXX who said the payment of {$250.00} was accidentally credited to my Macy 's line of credit not the American Express Line. Keep in mind I was receiving no paper statements and the Macy 's website was not working. XXXX verified that the payment was made on XXXX/XXXX/XXXX and applied the payment to the correct account ( American Express ). She also said she waived the late payment charges and interest. She also confirmed that she had closed both accounts and would send written verification ( she confirmed my address ). I never received written confirmation that the accounts were closed and my Macy 's line of credit remains open. For months I have been receiving calls ( 4-5 per day ) from a XXXX number leaving vague messages about a Macy 's American Express business matter. I looked the number up and it was reported as being phone fraud. In fact when you answer and actually get a live human the first thing they say is " tell me your account number. '' Just in case, I called and checked my account which said I had a XXXX balance. I have not received a paper statement from Macy 's for over 6 months and the last online statement available is from XXXX XXXX. Frustrated with the calls I called the Macy 's number on XXXX/XXXX/XXXX @ XXXX PM ) listed on the Macy 's website which went right to collection services. Collection services verified with Macy 's that on XXXX/XXXX/XXXX when I called the correction was made to my American Express Account, but the representative forgot to waive the late payment and interest fee. They transferred me to Jazz at Macy 's. She removed the charge of XXXX ( {$37.00} late fee x 5 months ) and said it was effective today. Jazz advised me to check with Macy 's credit services about the negative rating on my credit report.
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stenger & Stenger, P.C (MI)

I was contacted by a company by the name of Stenger & Stenger out of XXXX Michigan, when I tried to find out what the debt is for they wanted me to give information I was not comfortable with. Like social security number and date of birth and then got very nasty when I told them I was not comfortable and then I was told that they were n't comfortable with letting me know who they represent if anyone.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NC)

I 've had a Best Buy credit card for years and when ever I have a balance I get charged a " debt protection " fee I 've tried calling the phone number next to the charge that shows on the card and the tell me they are going to cancel but nothing has happened. I never signed up for that and Best Buy told me they ca n't do n't anything about that charge. Even though the credit card company Best Buy uses has changed and my card is different then what i had when I first opened the account how am I still being charged? And get no help? I wAnt it cancelled and possibly my money back because it 's not helping me pay off my balance
Consumer complaint received 2016-09-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I was a CITI BANK customer several years ago. I have closed my checking, saving and debit accts. Recently, I have been receiving notices that these accts are below minimum balance I had set for them. I have complained several times but I still get theses e-mail notifications several times a week. I maintain my mortgage with Citi, but they say they have NO control over them. I have complained to Citi Bank it self and they say they ca n't locate thr origin of these messages. 

Besides being a pest I am worried that at some point they will try to get maintenance charges for theses accounts.
Consumer complaint received 2016-09-23
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TX)

I called CitiMortgage to make a payment on a demand letter I received XX/XX/XXXX. The letter stated I needed to call to make a payment of approximately {$3600.00} on my account on or before XX/XX/2016 to prevent further foreclosure action to begin on my loan. I called that day and a gentleman answered. I was on the phone for nearly 30 minutes and he had no idea what he was doing. I explained my situation and he could n't find the demand letter to understand what payment I was trying to make. The gentleman obviously worked out of XXXX. I asked on multiple occasions to transfer me to someone who was knowledgeable to ensure that my payment was made on time. He finally agreed to take a payment, and transfer my call. Upon " taking my payment '' he proceeded to transfer my call. The line disconnected and I could n't stay on the phone another thirty minutes so I did n't bother calling back that day. About a week or so later I noticed the funds had not been withdrawn from my checking account so that prompted the additional call bck to citi mortgage. The lady I spoke to proceeded to advise what I would need to do to take care of payments on my loan. She stated based on my loan payment not being processed before the expiration of the deman letter my loan had been pushed into pre foreclosure status. I called to make a payment, I should not be penalized because of the gentleman who did n't know how to do his job. I want any subsequently delinquency notices to be stopped and negative reporting to be corrected.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I disputed fraudulent charges on my credit card account ( the " Account '' ) with Macy 's American Express ( " AX '' ), originally in the amount of {$1200.00} ( plus any finance and late fee charges ). I advised AX both in writing and over the phone on numerous occasions that I was a victim of identity theft, and I did not make or authorize these charges, and immediately upon notifying of these charges I contacted AX to let them know that these charges were not mine. In fact, I had not used that credit card for such a long time, if at all. Over the past six months, I requested that these charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement showing that I owed no amount on account of the Account. Not only these charges were not removed, AZ continued sending me statements adding penalty and interest and send the account to a collection department. When I call them to follow up, the representatives indicate that the account is still under review but that they can not stop the interest and penalty from accruing. 
Unfortunately, this inaccurate information has affected my credit score which was over XXXX. I have previously discussed this matter with the Company 's Fraud Department at least on five separate occasions and they have informed me that these fraud charges will remain on my account and may affect my credit until this matter is fully investigated and resolved. Please be advised that this practice is in violation of Fair Credit Reporting Act ( " FCRA '' ). 
Under the FCRA, these disputed and fraudulent items should not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if the Company can not verify the debt within 30 days, then it must be removed. Based on the foregoing, I hereby request that you look into this matter and abuse this practice by Macy 's American Express. 
I truly need you help to stop the illegal and abusive practice of AX in the manner described above.
Consumer complaint received 2015-07-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (CA)

I am currently repaying a student loan to American Education Services and XXXX. I am unemployed, living in California, I am currently unable to afford my own housing and I receive food stamps from the state which is proof of my not having income. I am looking for work and have not found any and I am in desperate need of assistance to have my private student loans placed in forebearance while I find work. My student loan payment from XXXX has not been paid and XXXX will be due this week. I will own AES nearly XXXX dollars which is more than I receive in unemployment benefits in one month.