davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX
Consumer complaint received 2016-07-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (PA)

I am the beneficiary on my deceased brother 's IRA through CITIBANK Retirement Plan Services. I was advised by CITIBANK that I can not take a direct distribution, but would have to open an IRA account where my deceased brother 's funds would be transferred and then disbursed. 
I reluctantly completed the IRA application, even though the application contained personal information which was none of CITIBANK 's business. 
Additionally, I have been told by CITIBANK that I AM REQUIRED to visit a CITIBANK branch to have XXXX page of the application completed. The required page is basically asking for verification of my identity. This information has been previously submitted and approved by CITIBANK. 
The nearest CITIBANK branch to my location is approx. XXXX miles round trip. 
Any help that you can provide would be greatly appreciated. Thank you
Consumer complaint received 2015-09-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CITIBANK, N.A. (FL)

XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
Consumer complaint received 2016-02-23
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (LA)

There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid? 
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires. 
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner.
Consumer complaint received 2016-06-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (OH)

The borrower, XXXX XXXX has been requesting a payoff or lien release from the attorney, XXXX XXXX and XXXX and Citi Bank since early XXXX. Citi ( Sears ) recealled the debt so XXXX has no authority and Citi ( Sears ) refuses to issue a payoff or lien release.
Consumer complaint received 2016-05-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NC)

When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.
Consumer complaint received 2016-01-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (NY)

I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX
Consumer complaint received 2017-01-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (MI)

On XXXX XXXX, XXXX my CHXXXX bankruptcy was discharged. As part of that, I signed a modification agreement with CitiMortgage ( who holds my 2nd mortgage ) that set new terms and forgave all my late fees, etc ( the details of this agreement are in the attachment " BK Citi Home Equity Modification.pdf '' ). One of the costs listed in that agreement was attorney and appraisal fees that totaled {$1500.00}. I just needed to pay the {$500.00} per month until the new loan maturity on XXXX/XXXX/XXXX. I made the payments for about a year, and then CitiMortgage sent me a notification that I was delinquent in the loan and had to pay the outstanding balance immediately. They also began sending me mortgage balance statements that showed I was delinquent in paying {$10000.00} for attorneys fees. I assumed since I had signed the modification, that these fees did not apply. They have been sending me these for a couple years now and I noticed that they started adding {$25.00} each month to this delinquency fee. I can not afford to have a lawyer review all this, so I want to find out if I am required to pay the now {$11000.00} delinquency fee or of that was discharge as part of my banruptcy. Please see the attached mortgage statements and delinquency notices.
Consumer complaint received 2015-12-29
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (CA)

On XXXX XXXX, 2015 I received a letter from Transworld Systems threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of Transworld Systems , Inc and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: MOHELA (CA)

My loan was transferred to MOHELA for servicing several years ago. My balance at the time was around {$81000.00}. I am entering my 12th year of repayment and I still owe {$81000.00}. I have been paying {$250.00} per month for over ten years. When I call MOHELA, they tell me that they only keep two years of records. They say that I have additional accrued interest due to a forbearance we took when my husband had XXXX. My loan was in graduated repayment for thirty years, but their site says my loan wo n't be paid off until I am XXXX, almost 30 more years, so they have changed it to 40 years without notifying me. I can get no information from them on what amount is applied to principal, what they original balance was when the loan was transferred to them, etc.
Consumer complaint received 2015-03-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CT)

Trans World Systems contacted me regarding XXXX debts. I am XXXX years old and XXXX. I asked them to please send me copies of the bills because my dad had me on his XXXX medical insurance and I was told " we do n't have to " My dad contacted XXXX, and XXXX told him that they paid these people and to get copies of the bills because they are not allowed to charge me for these services because they have been paid in full. 

They also are reporting me to the Credit Agencies even thought they have not contacted me about this debt.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I was promised a promotional offer by Citibank in connection with opening a Citigold checking account. I met the required criteria stipulated by Citibank, of which I have documentation. After meeting the criteria, Citibank confirmed that I had done all that was required to receive the promotional XXXX XXXX XXXX miles and that the miles would be rendered within a certain amount of time. That period of time elapsed long ago. I sent additional messages and made additional calls and Citibank still has refused to perform as promised. 
Citibank tricked me into signing up for the account by promising a promotional offer they never delivered. They collected the fees from me for the account each month while stringing me along promising to render the miles. I believe they did this knowing that they would not give me the miles but wanted to continue to collect fees from me for the account. I want Citibank to perform as promised and deliver the XXXX XXXX XXXX miles.
Consumer complaint received 2016-03-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX, I responded to a Citibank Gold promotional offer to open a Citigold checking account and receive XXXX XXXX XXXX XXXX provided I met certain requirements. 
I later met the requirements, and confirmed with Citibank via their online secure messenger on XXXX XXXX, 2016 that I qualified for the promotion for which I have a copy of communication. 
However, on XXXX XXXX, 2016 I received a communication telling me that I no longer qualified and would not be receiving the promotion. This was after charging me XXXX dollars in fees to keep the account open while I awaited the promotion. 
I spoke with them on XXXX XXXX and they credited my account for XXXX dollars in fees, however they could not guarantee that I would receive the XXXX promotional miles.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MD)

On XX/XX/XXXX I received an email from XXXX that " Your XXXX Anywhere XXXX ( XXXX ) statement is ready. '' This was the first notification I have ever received from Citi that a statement was available. I received this card on XX/XX/XXXX, when XXXX ended their relationship with XXXX. XXXX transferred my recurring XXXX membership payment to this new card without my knowledge. 

When I logged onto the Citi website to review the XX/XX/XXXX statement I discovered I had been charged {$100.00} in late fees and interest in addition to {$55.00} for the renewal of my XXXX membership on XX/XX/XXXX Despite enrolling in paperless statements when I received the card I had received no previous notices that my statement was avaiable, so I had assumed there had been no charges on the card. 

I attempted to get the late fees removed by discussing it with multiple Citi representitives on the phone and by on-line chat, but all they were willing to do was refund XXXX of the late charges, and only after I paid the current balance. On XX/XX/XXXX I paid {$120.00} and a late charge of {$37.00} was removed from the account. 

I want the remaining late fees and interest of {$65.00} to be credited back to the account. Citi failed to notify me of the outstanding balance until XXXX months and XXXX statement closings after the first statement went unpaid. The only charge ever made on the card was the XXXX membership, which I received no notification of from either Citi or XXXX. If XXXX of the late charges was refunded why not all of them, as they arose from the same incident. 

I have included XXXX statements, XXXX emails and transcript of the chat. 

Thank you for your assistance.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (MT)

Citibank is incorrectly reporting a 30 day late payment when the payment in question was received only 8 days past the due date. The payment was not received within their billing cycles, which is why they see it as being appropriate to report 30 days late. 

I have included the original dispute letters sent via certified mail to Citi 's dispute center along with payment and statement history. I am working hard to improve my credit and this was an undeserved set-back. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I opened a new credit card account ( ending in XXXX ) with Sears Citi Credit card. The reason for opening the account was essentially taking advantage of special promotional offer of 0 % interest for 18 months. My opening balance was {$4600.00}, which was the purchase amount of refrigerator, washer and dryer. At the time of opening I was only told that i can carry a balance for interest free for 18 months from XX/XX/XXXX to XX/XX/XXXX. I would like to stress the point that I was not given a chance to read through the contract as it was all shown on a small screen/ credit card swipe machine. Now from what was conveyed to me verbally, I or any reasonable person would infer the you can hold a balance of any amount upto the credit limit for a duration of 18 months interest free. Relying on this information I used this credit card to made more purchases which brought up my balance to roughly {$6000.00}. Now i was expecting that i can carry this amount interest free till XX/XX/XXXX however sometimes later Sears credit card started charging me interest of the amount greater than the opening balance of {$4600.00}. What i felt was that i 've been con as well as being given wrong information about my credit card interest fee/charges and made a material difference in decision making. If i knew that only the opening amount/balance is interest free and not any amount exceeding it then i would n't have used this card to make purchases and should have used my other credit cards to balance the expenses interest free. This make me think that if i was a victim of this wicked trickiness then there must be many who fell for the same cheating promotional offer.
Consumer complaint received 2015-09-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (PA)

Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OR)

I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.