davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NC)

On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.
Consumer complaint received 2023-01-05
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. (TX)

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.
Consumer complaint received 2016-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

Citibank closed my credit card account without warning or notification. They say its because I filed bankruptcy but I have told them several times I have NEVER filed bankruptcy in my life and it is a mistake. They said it would take XXXX5 business days to investigate. After 6 business days, I called and was advised to wait another XXXX5 business days. I use this account everyday and I travel frequently and this is causing a hardship. I want my account reinstated immediately due to Citibank 's error.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. Thank you.
Consumer complaint received 2016-04-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (VA)

I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.
Consumer complaint received 2016-12-08
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (MD)

On XXXX XXXX, XXXX I filed a claim to citi bank regarding unrecognized debit {$8000.00} which debit on my account # XXXX on XXXX XXXX, XXXX. The claim number is XXXX. Customer has asked CITI bank to return {$8000.00} to be back immediately. The debit {$8000.00} was deducted from my account on XXXX XXXX, XXXX. No one from Citi bank to call customer to verify this transaction. Also according to recipient 's claim : they NEVER received this {$8000.00} so far. It caused me immediate attention that CITI bank has made error. I can not tolerate this at all. CITI bank never brought me any benefit instead all losses : such as lost interest at least {$7000.00} from XXXX XXXX to current XXXX ; Promotional bonus {$500.00} and XXXX thank you points ; Whole property damages {$400000.00} due to bill pay caused problem ; all disputed transaction can not be honored ; customer 's privacy such as all transactions were released.
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (GA)

I was mailed a promotional offer by Citibank for a Citi / AAdvantage Platinum Select Master Card which included an offer for XXXX American Airline bonus miles after making {$3000.00} in purchases in the 1st 3 months. I met the purchase requirement, and contacted Citi to ask about the status of the miles. I was told that I do n't qualify for the promotion since I had the same credit card in the past 24 months. I knew there was a restriction on opening and closing cards to keep people from taking unfair advantage of the offer, and it used to be 12 month. It had been 14 months since I last had a similar account with Citi. However, Citi was mailing these promotional offers every few weeks, so I called the Application Line to find out if I qualified. I specifically asked the agent if I qualified for the XXXX mile promotion, and assumed she had access to my account history to confirm eligibility. The agent confirmed that I qualified for the XXXX mile promotion, and that I would receive the miles as soon as I met the purchase requirement. There is no question that the Application Agent told me that I qualified for the promotion. I never would have signed up for the credit card if I had n't been guaranteed the bonus. Today, Citi customer service said that it does n't matter what the agent did or did n't say. They will not give me the frequent flyer miles even if the agent promised them. They agreed to go back and listen to the application recording, but stated that it wo n't matter because at the end of the call the agent would have read a disclaimer that overrides any promises made during the call. I understood the disclaimer, which is why I asked if I was eligible for the promotion. I did n't remember exactly how long it had been since I had been a previous Citi customer, so I had no way of knowing whether or not I was eligible. I relied on the Application Agent to tell me - and she said " yes ''. I 'm not an expert on laws governing over-the-phone financial applications, but at a minimum I think Citi is obligated to fulfill the commitments made by their employees. This appears to be a very deceptive practice, with similarities to what XXXX XXXX has been doing to their clients. While there is no cash value associated with these miles, XXXX airline miles could be used for XXXX domestic tickets which could cost {$500.00} or more each.
Consumer complaint received 2018-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc. ()

I used to buy on a monthly basis cryptocurrencies on Coinbase.  Everything went fine for months but suddenly the started in XX/XX/XXXX to account some extra fee to my XXXX card bill which they described afterwards in our mail communication as " cash advance fee ''. 
So I started writing back and forth to Coinbase and my bank. But one day as they usally like to do so on other topics too the communication with Coinbase stopped. 
My last knowledge about this situation is, that my bank and XXXX says that Coinbase is responsible for accounting that " cash advance fee '' while Coinbase says it is not.

So my last question to Coinbase was : " So when you know that this fee is accounted, why don't you comminicate it to your customers? I got a bill of my purchase. There's already a credit card fee included. But the cash advance fee isn't listed anywhere. '' Coinbase never answered this and because I'm still in contact with my bank and XXXX I'm inclined to the view that they are right and Coinbase is trying to not face the truth.
Consumer complaint received 2015-06-23
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in XXXX!
Consumer complaint received 2016-09-18
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NM)

Home Depot sent my bill to the wrong mailing address. Once I realized it I called Home Depot corrected my address & as soon as I received the bill the bill I paid it in full, less a penalty. Despite agreeing to take the penalty off they continue to add a penalty every month.
Consumer complaint received 2015-11-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CO)

I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ).
Consumer complaint received 2016-06-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Aldridge Pite, LLP (FL)

This is a formal complaint we want to file on the Law Firm known as Aldridge Pite LLP. We believe this firm and its attorneys are acting in the capacity of a foreclosure mill for the banks here in the State of Florida in violation of the Fair Debt Collection Practices Act as Debt Collectors. ( Aldridge is a national law firm ) XX/XX/XXXX a foreclosure case was filed against us in a attempt to take our home here in XXXX Florida and this law firm known as Aldridge Pite LLP., representing XXXX is making a ( 2 ) second attempt to foreclose on us, attempting to collect a time barred debt in clear violation of the FDCPA. 
This law firm known as Aldridge Pite LLP. and its attorneys are acting in concert with the banks ( XXXX ) in the filing of time barred causes of actions against consumers without properly verifying the debts. We believe by filing these law suits violations the FDCPA by their conduct, in attempting to deceive the courts and trying to take advantage of a unsophisticated debtor by attempting to steal peoples homes, ours included. ( see documents enclosed ) In this second foreclosure attempt, over 8 years past acceleration of the note, we believe this is their last ditch effort to steal our home. Aldridge Pite LLP. has not properly verified the complaint prior to filing a frivolous cause of action into the State courts. In our defense in the State suit, we again answered timely and filed a motion to dismiss. Recently in State court the judge denied our motion and stated he only looks to the plaintiffs XXXX corners of the compliant on a motion to dismiss. Aldridge Pite LLP. and their attorneys have again deceived the court in believing a new default has recurred by stating in their new foreclosure complaint a new default date of XX/XX/XXXX, opposite of the banks first foreclosure attempt years ago on the record in XXXX XXXX, making it appear to the court the re-starting of the 5 year statutes of limitations. Immediately following all this, we filed a Federal lawsuit against XXXX and the law firm Aldridge Pite LLP. and its attorneys ( see Federal suit in XXXX District of Florida XX/XX/XXXX ) for their blatant violations of 15 USC 1692 FDCPA, FCCPA and Florida Deceptive Practices Act. We are approaching discovery in the Federal case. The State case is also still pending and we have just sent interrogatories and production of documents to Aldridge Pite LLP. awaiting their response. We believe the CFPB should look into this law firm Aldridge Pite LLP. XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX Florida XXXX for their Deceptive Practices against the public. In the past XXXX was fined XXXX dollars for illegally falsifying documents and defrauding HUD ( see report dated XX/XX/XXXX ) and the CFPB has also fined XXXX in the past for their egregious conduct against the public. The CFPB should look into this law firm and their deceptive practices that is clearly violating the law in their attempts to deceive the public. Respectfully submitted XXXX XXXX XXXX sr.
Consumer complaint received 2015-04-21
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

I bough consumer goods at Best Buy in XX/XX/XXXX upon the " promotional offer '' of 24 months no interest. I have made payments every month on-time since having the card through an automated payment system. I signed up for " paperless billing '' at some point owing to the benefit to the environment. I did n't realize that I was n't receiving notification of my payments or my bill in my inbox despite Best Buy claiming to have records of sending them. Today I called in to my account to reset my password and asked why my account balance had increased so dramatically. The agent on the phone explained that when the " promotional period '' expired in XX/XX/XXXX I was charged all the interest from the amount of the original purchase from the 24 months, which was a total amount of {$1100.00} and the rate of interest on my balance was lifted to 25.24 %. My current outstanding balance stood at {$580.00} so I could not believe that this was possible. I explained my situation for which they apologized agreeing that not everyone gets the " paperless bills '' and made me the offer to reduce the amount of the interest being charged by 50 % if I paid off the principle amount of {$580.00} in this day and this day alone. If in fact I did not pay today, the representative could make " no guarantee '' that the offer would be extended again. I countered him offer by agreeing to pay the outstanding amount of {$580.00} + the APR against the amount due since the period expired at the excessive rate of 25.24 % for a total of {$640.00}. He said he could not accept this offer. 
In summary I have made payments against this account on time every month and maintain that I received no notification of the penalty associated with not paying the balance of my account in full before the " promotional period '' expired. I am requesting that they drop the interest from the promotional period entirely, in exchange for payment in full of the principle balance. 

XXXX XXXX XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX XXXX XXXX XXXX in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.