davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (CA)

I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.
Consumer complaint received 2016-01-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (OK)

I am an Veteran living on a fix income, I had a car loan with Ally Auto financial, I went to XXXX to sell the car and they was n't going to pay off the loan, I had to come up with the rest of the money. I contacted Ally Auto and ask for the pay off of the car loan, they told me how much to pay off the loan, BUT Ally added a " fee '' charge to the transfer!! I contact Ally after I sold the car and ask why they told me the pay off was this much and then tack on a " fee '' of {$20.00}?? The lady told me that there was an over balance in the old account and she will mail me {$17.00}, what 's with this " fee '' and why I ca n't get the full refund?
Consumer complaint received 2017-01-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC (CA)

I went to XXXX XXXX XXXX XXXX XXXX in 2011 and it ended up being shut down. I originally got my private loan through XXXX which they now transferred the loan over to UAS XXXX and I ca n't afford to make the payments and feel that if Im able to have my federal loans forgiven that I should be able to have my private loans forgiven or some sort of help with this loan.
Consumer complaint received 2015-08-18
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (MI)

This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.
Consumer complaint received 2016-06-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (ID)

I have continually received calls from Transworld Systems about a debt that was paid before it was sent to collection. We found out I was in collection when I received the first call last year. I explained to the XXXX, rude person that debt had been paid. I sent by email a copy of the online banking records. The calls went away for a period of time, only to start again. I have again explained that bill was paid, records were sent and told basically I was a liar. They are calling everyday now. 
I want it to go away. We pay our bills and deserve to be treated as such
Consumer complaint received 2016-10-19
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (FL)

An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

There was an overpayment on my credit card of over {$12000.00}. I have continued to use the card so that credit has gone down to about {$10000.00}. I have called citibank 5 times over the past 2 months and they keep telling me the refund is under review or that a supervisor needs to review the refund before it can be refunded.
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (PA)

Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to me.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I continue to be charged {$25.00} monthly from citibank. I call every single month and I 'm told the same story about how the charge is being reversed. I have spend over 4 hours on the phone ( not include the times my husband has called ). We want my money back! I did not sign up for an account that would charge me a monthly fee and I am continuously told they have downgraded my account and we will not be charged. When I call or go online I see the charge once again, month after month. This is a deceptive practice and I bet XXXX people are being charged and not realizing it. I do plan on leaving citi, however my mortgage is also with them so it is more difficult to switch banks. Please help!
Consumer complaint received 2015-10-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NE)

I want to close my Sears credit account. I called the number on the card and spoke to " XXXX '' - no last name or ID number. She refused to cancel the account because I could not provide the phone number we had years ago when we opened the account - and I do n't remember what it was. I was able to provide all other verifying information, and offered other verification as well. She insisted that she could not close the account. I asked to be transferred to a supervisor. She told me that no supervisor would be willing to talk to me. I insisted, she put me on hold for over XXXX minutes. When she came back she transferred me to " XXXX '', ID " XXXX '', who said she was a supervisor. XXXX asked the exact same questions, and then refused to close the account because I could not provide the phone number originally used in opening the account. Again, I offered other verification but it was refused.
Consumer complaint received 2016-08-11
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: CITIBANK, N.A. (IL)

I have a savings account with Citibank XXXX and also with Citibank XXXX. I needed to transfer money to that country and customer service chat agent in XXXX recommended me to do a Global Transfer. I followed his advice and instructions and on XXXX XXXX sent XXXX XXXX from my savings account in XXXX to my account in XXXX, however the operation could not be completed in XXXX and was rejected and reversed. The office in XXXX gave me notice of it and also the reference number XXXX as constancy that the global transfer and the XXXX XXXX were reversed back to the sender in XXXX ( myself ). 
Until here, this is a normal issue, however after 3 months Citibank XXXX has not given me my money back! I have called several times and communicate with different agents ( Global Transfer Specialist, Customer Service, Speed Unit etc ) and they say that they need to do an internal process to clarify what is happening. I have got XXXX reference numbers in Citibank XXXX that are XXXX and XXXX about that internal case. They told me the back office need to communicate with XXXX and solve something, and that it will be resolved in about a week, but almost 3 months have passed and my money is still missing, I keep calling and they keep saying that need to clarify and that I should call again on a week! I needed that money to pay a mortgage in XXXX and Im already running on high interest there. 
What is weird is that when I call XXXX in less than 10 minutes I have again the confirmation number showing that the Global Transfer was rejected and the money sent back to the sender, Citibank XXXX, so I don not understand why Citibnak XXXX is taking almost 3 months to give me my money back. 
In summary, I did an online global transfer from the Citibank webpage from my Citibank savings account in XXXX for XXXX XXXX, but the operation was rejected so the money should come back to my account in less than a week, nonetheless Citibank XXXX is taking months to give me my money back even tough I have the constancy of the money reversal. They do not provide me any reasonable answer, just that an internal case is open, and they refrain to answer when such case will be solved or what is happening. Please help me, XXXX XXXX is a lot to me.
Consumer complaint received 2016-05-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (IL)

I am trying to obtain a loan modification with CitiMortgage. Without notification, they sent the loan modification paperwork via XXXX which I never received. My attorney had claimed Chapter XXXX to prevent them selling my house many months ago which we let be dismissed because they were working with us but in such time, they will not accept my payments, will not provide me with a XXXX, have put my house back into foreclosure and therefore we have been forced to file again. My mortgage support specialist never calls back when he says he will not even to my attorney. My situation is complicated so there was additional paperwork, in which they did not disclose the information for, that was signed and delivered for the second step of this process that they DID receive, however, they never contacted us about the loan modification documents which was the first step. There seems to be no protection for me because the XXXX envelope was not delivered to the proper address or got lost somewhere or put in a bush. I do n't understand how this is acceptable. There needs to be some sort of culpability for the mortgage company. We have been jumping through hoops for the last year and a half trying to get this settled and still it is not. I am a single mother just trying to save her house and I feel like I have no rights and that they can just do or say whatever they want. Are there any protections in place that would ensure they proceed in a professional manner and are responsible for their actions and holding up their side of the bargain?
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (WI)

On XX/XX/2016 I applied for a CitiBank credit card. On XX/XX/2106 I received a notice CitiBank was unable to complete my application because I have a security freeze on my credit history. 
When I had my credit freeze applied, part of the agreement was organizations I currently have a credit relationship with would not be affected. I currently have a credit card with CitiBank, so I have an existing credit relationship with them. Upon calling CitiBank, I was told they could not use old credit data to approve a new account. They can get new credit data anytime they want because of my existing credit card account. 

Rescinding the credit freeze involves considerable time and energy that I do not have. In addition, I would be required to pay to have the security freeze both turned off, and then back on again. According to the original agreement I have, this should n't be necessary. 
I called XXXX, the agency referred to by Citibank. None of the menu options apply to what I need, and as I 'm sure you 're aware, it is not possible to talk to a person at any of the credit reporting agencies to correct the problem. Further, the CitiBank representative I talked to would not allow me to escalate the complaint there. 
I ask that CFPB contact the affected organizations and require they abide by the Security Freeze agreement they entered into with me.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (WA)

I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.
Consumer complaint received 2023-02-03
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: LEXISNEXIS (NJ)

I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and lexis nexus. Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.
Consumer complaint received 2016-07-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

In XX/XX/XXXX I signed up for a CitiGold checking account. The terms of the offer under which I signed up indicated that XXXX XXXX XXXX frequent flier miles would be given after meeting the specified criteria. On XXXX XXXX I obtained written confirmation from a Citi representative that the offer was attached to my account. On XXXX XXXX I obtained written confirmation that I had met all critieria and the bonus miles would be added to my account by XXXX XXXX. On XXXX XXXX after not receiving the miles, Citi is trying to go back on their word and is not planning to issue these miles. I have attempted to escalate the issue to a manager at Citi with no success.
Consumer complaint received 2017-02-13
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (ID)

After leaving the hospital, a number of bills were sent to me. I sent many of them back to charge my insurance. In this case, XXXX never responded to me about my insurance. They finally sent me a single bill, which I began paying without realizing they still had n't answered. After setting up bank payments, I never got another statement, never received a balance, nor have I been able to reach anyone. After sending several payments and receiving no statement or method to determine what was paid by insurance, still owed, or had been received, I sent them a note indicating I needed a statement from them, at least. Nothing. Then, I pulled my credit in XXXX and saw that the debt had been referred to a collection agency. This agency has made zero effort to contact me, had none of my previous payments associated with the accounts so the balance reflected the full amount, and has not responded to complaints with the credit reporting agency other than they consider the debt valid. I believe that they need to at least TRY to contact me so I can pay this. It 's such a stupid amount that if I had gotten even one additional statement or notice from them, I could easily have paid. And I STILL do n't know if they even tried to bill my insurance like all the other bills that were submitted. I paid every single much larger amount to all other medical agencies because they did bill insurance and then followed up with a statement. It may be that there is an amount that is due, but I do n't know what amount and ca n't get an answer. I also feel like it is fraud to just try to ruin credit for someone without even trying to let them know. If XXXX had sent me a bill, this would have been paid easily. I refuse to deal with the collection agency since they are clearly just trying to collect the full amount ( XXXX were paid directly to XXXX before I had to give up because I do n't even know if it 's been paid off, still owing, or may have been over-paid ).
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

Citimortgage has falsely reported XXXX late payments on our XXXX mortgage for the months of XXXX 2014 through XXXX 2014, 6 late payments total. This happened during a modification of this loan when Citi instructed us to stop paying our mortgage to our loans regular payment address and to instead pay them directly to the modification department for a " trial '' period before the modification would be approved. I warned at this time from Citi that late payments could " temporarily '' show up on our credit reports but would fall off after the completion of the loan modification since my wife and I have never missed or been late on a single payment with them ever! This still holds true today, we have never been late on a single payment with them. 

A Citi supervisor instructed me to send them a copy of a report page showing the late payments so they could have them removed. I followed his instruction to the letter and Citi is now absolutely refusing to do the right thing, touting they must report the history as their system shows it. I have relentlessly tried working with them to get this FALSE information removed from mine and my wife 's credit reports to no avail, they refuse to do anything about it. 

My wife and I have worked extremely hard to keep our credit reports in good standing and as such have never been late on any payments to any of our creditors so this is as upsetting to us as it gets. We have been VERY long time customers of Citi so even more frustrating to be wronged to such extent by them! 

I have heard so many horrible stories of Citimortgage pulling stuff like this with other people, but still in shock they would do something like this to their customers. 

I would definitely like to file a complaint about Citimortgage as I ca n't see this even being legal what they have done! If possible I would like to request assistance in getting Citimortgage to do the right thing and have these false late payment remarks removed from both mine and my wife 's credit reports!