davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

I have had an account with Chase for about 10 years. In the last 4 year I have been employed with a firm that does not offer direct deposit. So in order to have free checking with Chase you must have either direct deposit or keep in minimum of {$2500.00} in your checking account. Because I do n't have the option of direct deposit nor can I afford to keep {$2500.00} in my account I am charged what I call a poor persons fee of {$12.00} a month. A lot of times I am charged this fee when there is not enough money in the account to cover it. 
Monday XXXX XXXX I was scheduled to have XXXX automatic payments deducted. Chase instead posted the payments on a Saturday, XXXX XXXX in order to charge me overdraft charges on the date the deduction was due. I have never been charged an overdraft fee on the same day a charge is due. Usually I am given till the next business day to make the funds available. I had about {$50.00} available in my account. XXXX of the transactions was for only {$30.00} which was fundable. The second charge was for {$120.00}. I was still charged XXXX overdraft fees even though I have enough to cover XXXX of the charges. They refused to refund the charges. I have been pummeled with fees over the last year. Even XXXX in one day in XXXX instance. 
XXXX XXXX I submitted an online payment to XXXX. On the Chase site it says that this one time electronic payment will post in 1 business day. On my account it shows that this payment has been send and paid. XXXX has not received this payments. I have asked that the money be put back in my account to avoid service disconnection, Chase is refusing to refund the money even thought it has been more than one business day.
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

I went to Macy 's to make a purchase. They offered me 10 % if I apply for a credit card. So I did and I charged XXXX purchases totaling just over {$100.00}. I waited about two months and I still had not received a bill, so I went to Macy 's to put the charge on a debit card. By then they had added about {$35.00} worth of fees. I paid it all but I was so angry that I called and cancelled the card. I 'll be darned, if they did n't send me another bill for two months. How can they start charging interest before they even start sending bills? This is predatory. I essentially paid 40 % for a 10 % discount. This should not be legal.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (WA)

1 ) Using Citi 's online banking system I scheduled a payment to be processed on Saturday XXXX XXXX, 2016 to pay my XXXX statement in full for the amount of {$3900.00}, withdrawing the funds from my credit union. The funds were to be obtained on Monday XXXX XXXX, as Saturday was not a business day. 
2 ) On XXXX XXXX my dog died and I completely forgot to deposit the funds into my account. 
3 ) On Wednesday XXXX XXXX I realized I had made the error of not depositing enough money. I contacted Citi immediately by telephone and via the customer service representative I paid the XXXX statement in full from a different bank account, from a different bank ( not the credit union ). I thought I was doing the right thing by paying it in XXXX transaction and that by taking immediate action the debt would be resolved. I paid the XXXX statement amount in full : {$3900.00}, and my Citi account reflects that the payment was made that same day. 
4 ) Unfortunately the automatic system was not notified. On XXXX XXXX Citi 's automated system tried to withdraw the original transaction scheduled for XXXX XXXX once again, even though the statement had already been paid in full on XXXX XXXX. 
-I thought it was odd that Citi was trying to obtain the funds from my credit union since I had already paid the XXXX statement in full ; I went online and saw that when I made the payment by phone the funds actually went towards my XXXX statement, and that the XXXX statement was still in arrears. 
- I immediately spoke to a representative on the phone and he told me that it was impossible to cancel the automatic payment and that Citi would continue to try and obtain the funds from my credit union until XXXX XXXX. 
-Based on the information from the representative I immediately deposited {$3900.00} into my credit union account in anticipation that Citi would once again try to obtain the funds using the automated system. 
5 ) The evening of XXXX XXXX I received an email from Citi saying that the funds were returned as unpaid from the credit union account and that if the information was n't accurate I was to call Citi immediately at XXXX ( TTY/TDD : XXXX ). 
6 ) The morning of XXXX XXXX I phoned Citi to resolve the issue immediately ( again ) and paid by phone ( again ) the amount of {$3900.00}. 
7 ) One hour later I went to the grocery store to make a purchase and my Citi credit card was declined. 
8 ) I immediately phoned Citi and was informed that my account had been closed, even though I had just spoken one hour earlier to a representative and my account was open at the time of our conversation. 
9 ) Today XXXX XXXX I received a letter from Citi informing me my account is closed and that it can not be reopened unless I provide a letter from my bank saying the payment was returned by mistake.
Consumer complaint received 2022-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter to Equifax on XX/XX/2022 as shown on the letter attachment below to remove the inaccurate hard inquiries from my credit report with a copy of an FTC report and 2 forms of identification, it's been over 30 days and Equifax has not reached out to me regarding anything, no mail and no call, I'm human and a real person I just feel like I'm not being treated fair and Equifax is acting like they are not govern by laws, I have the right to privacy under 15 USC 1681 AND I HAVE NOT GIVEN ANYONE WRITTEN PERMISSION TO FURNISH THESE INQUIRES I demand they be removed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

I opened a credit card XXXX years ago with CITI. They promised to give me XXXX for every dollar I spent. About a month ago I got a letter from XXXX that they are shutting down my rewards account and taking away all my rewards claiming that I violated the terms of their program. I had over $ XXXX rewards worth {$4200.00}. 
I could have used a cashback card or any other rewards card to receive rewards/cash on my purchases. I continue to use the CITI business card for our business and we are losing money we could have received every month
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

Citi bank had this promotion ( # XXXX ) to earn {$400.00} Cash Bonus when you open a Citibank Account package and deposit at least {$15000.00} into your new checking or Savings Plus account. I opened a " interest checking '' and " saving plus '' accounts with Citi Bank on XXXX/XXXX/2016 and deposited $ XXXX on same day have not touched it since. 
To this day, XXXX/XXXX/2016, I have not received my cash bonus. I have followed-up via an online chat session on XXXX/XXXX/2016, I was given a reference number and received a secure email, on XXXX/XXXX/2016, CONFIRMING that my account has met the necessary requirements to qualify for Promotion and I should have received the cash bonus 90 days after fulfilling the requirement ( 1month $ XXXX ). 
On XXXX/XXXX/2016 I followed up through online message system and they told me " they forwarded my complain to the concern department and necessary action will be taken to make sure that your issue will get resolved ''. 
To this day I have not heard back from their complain department or received my cash bonus. 
They have a good response time to online messages but only to give you general information about how they sent the message to proper departments to investigate and never get back to you.
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I received an XXXX AAdvantage bonus offer from Citibank and I chose to open a Citigold account over the phone on XXXX/XXXX/2016. The promotion with Promo Code XXXX stated that I will receive XXXX bonus XXXX miles 90 days after meeting the requirements of making more than {$1000.00} purchase using the Citigold debit card and making 2 bill payments. 

I have completed all requirements on XXXX/XXXX/16 and was contacted by email, with investigation ID XXXX, confirming that I will receive my incentive 90 days from the date the qualifying transactions, which is XXXX/XXXX/16. It is XXXX/XXXX/16 when I am filing this complaint and Citibank has yet to respond to my recent inquiries about the bonus since XXXX/XXXX/16. 

I hope CFPB is able to investigate into this issue and forward necessary information to Citibank, hopefully to clear any of their barrier and process the bonus as promised.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (WA)

I purchased a bedroom set at Macy 's. They waived an exorbitant delivery charge if I opened a credit card account. I gave the delivery address. It simply did not occur to me that I needed to give my PO Box and the Macy 's agent did not ask about a mailing address ; i.e., they assumed the delivery address was the mailing address. This is simply a mutual mistake. Months later, I received a phone call demanding a payment over the phone. I refused to make a payment over the phone without seeing a copy of the bill. 
Macy 's closed my account at that point which has put a ding on my credit report.They refused to discuss the late fee until I made a payment. Macy 's did not proceed in good faith. The Macy 's collection agent made a decision about me based on my refusal to make a payment which was wrong. 
The damage to my credit report can not be fixed because a mortgage loan is in process. My concern is for the other customers that are being hurt by the Macy 's scheme to force credit cards on the unsuspecting at high interest rates in exchange for the delivery charge. 
Thank you XXXX XXXX XXXX PS. the account is paid in full and closed. I called customer service at Macy 's and the return call took weeks.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (DC)

I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's.
Consumer complaint received 2017-03-19
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: Neon Newco Corporation (WA)

When first opened the account there was a preference about whether I wanted to be on fee plan or pay as you go I check the box next to fee plan as I did n't want the pay as you go as it is costly. I looked at my statement on XX/XX/2017 because some transactions were not charging right and noticed they put me on pay as you go when I specifically asked for fee plan so I was charged over a {$100.00} in fees last couple of months. I quickly went into their site and made sure I was put on fee plan once again so far it is still what I requesred. Plus I made complaint to their site and someone who sounded more like a recorded message sent me a message stating what I did again yesterday in picking fee preference again but did not even address my issue with their sites mishap in first place in placing me on pay ad you or offering any kind of remedy.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (OH)

Homeowners were put into a predatory sub-prime loan in 2010 with CitiFinancial. The loan was for {$120000.00} although the house was only worth about {$45000.00} at the time of the loan origination. Homeowners are senior citizen, retired XXXX homeowners whose home is in a predominantly XXXX neighborhood with declining home values. The interest rate was 10.3092 % Homeowners have been unable to refinance out of this loan because of the lack of equity. Homeowners have been trying to obtain a loan modification with CitiFinancial, but CitiFinancial has refused to work with them.
Consumer complaint received 2016-11-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MI)

Experian refuses to provide free annual credit report online, by phone or by mail. Violates FCRA. When I request my free annual credit report online I supply all of the correct information to Experian and answer all security validation correctly. Experian continuously refuses to provided my report, even though XXXX and XXXX have no issues. Experian also refuses to provide my report when I have attempted to obtain it in the past my mailing in the free annual credit request form or calling XXXX number. They are fraudulently trying to drive traffic to their $ XXXX/month paid service.
Consumer complaint received 2015-12-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / " A condition exists that prevents Experian from being able to accept your request at this time. '' / " To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day, on XXXX XXXX. On XXXX XXXX, I again tried to retrieve my report using the web form, and received the same error. ( I can not recall ever, since the first launch of the free annual credit report site, successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form, and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days, but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again, sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me.
Consumer complaint received 2016-02-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX
Consumer complaint received 2015-06-23
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (IN)

They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

XXXX significant things. First, Citi failed to follow California law when dealing with my billing dispute ( which involved a vendor charging me but not sending me what I ordererd ). They claim that they do not have to follow XXXX law, however, the law clearly applies to a transaction between a CA vendor and a CA buyer. Second, while trying to resolve my dispute with Citi, they made over XXXX collection attempts, which included XXXX disturbing telephone discussion with a Citi collection agent who was very aggressive and threatending, and who indicated there was no record of any dispute.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I had a XXXX XXXX Costco card which I had set up on automatic bill pay and rarely used. Recently, I noticed my credit score had dropped significantly and saw that it was for a Citi account which I had never opened. I contacted Citi asking what the account was connected to and they told me that my XXXX XXXX account was transferred to them and my auto pay did not transfer creating multiple late payments and severely damaging my credit score. I had recently moved so Citi may not have properly forwarded the information to me but when speaking with them they said the would not remove the late payments from my credit report because it was not the banks error. I am extremely dismayed that a company is able to have such business practices and additionally angry at Costco for letting this happen to their customers.
Consumer complaint received 2016-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GU)

On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I have been banking with Citibank for 4 years, 2 weeks ago I opened a savings account, funded it with {$3000.00} only to be told a week later that they were closing it due to XXXX. No one will give me any information, I have never banked with another company. They is on the verge of destroying my credit. My rent, car note, car insurance, loans and credit card payments all come out of that account. No one will give me a bank account. And I have done nothing wrong.
Consumer complaint received 2017-02-19
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lending Club Corp (CA)

I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.