davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (FL)

A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NV)

My Payment was posted by Macy 's 34 days after the due date. That was my fault as an oversight on my part because we were on vacation. They subsequently reported a thirty day late to the credit bureaus. However, when I phoned in the representative I spoke with on the phone said the company 's policy is to only report accounts as late when they reach 60 days and not 30 days. Please obtain a copy of the recording and see for yourself.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

Several times over the past year or two, ever since I have had a Citi XXXX credit card, I have been harassed by Citi about a possible 'fraud alert ' due to spending {$1.00} at a XXXX XXXX convenience store for a cup of coffee. Their continued text messages and voice mails - which cost me $ $ $ to receive - are annoying, and having my credit card turned down is embarrassing and completely unnecessary. 

I have asked them several times, through the message center of their web sites and via phone, not to contact me about a {$1.00} charge at XXXX XXXX. A customer service rep with whom I spoke said that she would put a note on my account not to contact me about such charges. Obviously, either she did n't put the note, or nobody bothers to read it. 

I have made numerous purchases of a much larger dollar amount at various stores and online, which they have not flagged as potential fraud. Yet at various XXXX XXXX stores, when I make a puny purchase, they decide it looks suspicious. Do they really think a scammer would steal my credit card just for {$1.00}?
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years.
Consumer complaint received 2016-06-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX and XXXX are both reporting mortgages on my account that I 've never had with them. The interesting things is that they are both writing off this debt in XXXX different subsidiary names. I have written to XXXX and XXXX regarding this but it was not removed so now I write to credit agencies.
Consumer complaint received 2017-02-15
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NJ)

Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request
Consumer complaint received 2016-04-16
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''
Consumer complaint received 2016-01-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1/2 years old. Experian needs to delete all the XXXX accounts on my credit report.
Consumer complaint received 2016-12-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MN)

Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I filed for BK in XXXX 2012, but I decided I did n't need to go through with it! Experian refuses to remove this item! I have disputed it two times! They keep telling me it was discharged and it clearly was dismissed, it says that on their own report on me! Please help!
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I applied and opened a Citi Gold Checking Account that awards XXXX XXXX XXXX miles upon opening. After opening the account in XX/XX/XXXX I wrote to them to ensure that I would be receiving my miles. They told me that I would receive them on XXXX XXXX or shortly after. It has been over two weeks since the promised miles were supposed to be credited and they are still no there. After calling Citi they told me they had to do additional investigation despite me showing them the letter they wrote me telling me that I would receive the miles. Meanwhile they seem to always been on time when charging me the $ XXXX monthly fee on the account. No investigations needed as to whether they get my money, just when they owe me something. After googling this I have found countless others that have complained about Citi not paying them.
Consumer complaint received 2016-03-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. ()

I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing my money.
Consumer complaint received 2015-11-23
Product: Credit card — 
Issue: Bankruptcy — 
Company: CITIBANK, N.A. (PA)

This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.
Consumer complaint received 2015-08-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan
Consumer complaint received 2016-03-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-05-08
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (GA)

Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.
Consumer complaint received 2016-05-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (AZ)

Hello, I opened a Citi Gold Checking account in XXXX per the terms of the XXXX XXXX XXXX miles promotion. Promotion ID : XXXX I have yet to received the miles posted to my account and it is well past the deadline. Citi bank is being unresponsive. 


In XXXX, after reaching out to Citi to confirm my eligibility of the offer, I received this response in a secured message : " From : XXXX XXXX Wise Date : XXXX Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Welcome to Citigold 's Online Message Service, my name is XXXX and I hope that you are having a pleasant day today. I will be pleased to provide more information regarding your promotion. 

Thank you for providing your XXXX number. I have now notated your account and can confirm that you completed the requirements for this promotion. Per the promotion policy, the XXXX bonus miles will be credited by Citibank to your XXXX account within 90 days from the end of the statement period in which you complete all offer requirements. 

With this in mind, you should expect to have your miles processed no later than XXXX/XXXX/16. Please note, it will take an additional statement cycle after processing for the miles to reflect your AAdvantage account. 

Additionally, thank you for completing your XXXX form. We have yet to receive it, however, it can take up to XXXX weeks for the documentation to be received and processed to certify your account. 

XXXX XXXX, your trust and satisfaction are very important to us here at Citi. It is a privilege to assist you with your promotion information and I look forward to assisting you again in the future. 

At Citibank we take customer satisfaction seriously, and invite you to share your opinions about the service you received from me, XXXX XXXX. Please click the link below to take a short survey on your contact experience. You will need the reference number XXXX to complete your feedback. 

Send Your Opinions Thank you for choosing Citigold. If there is anything else we can do for you, please contact us online with Live Chat, by sending a message, or calling Citigold Services at XXXX. Internationally, you can call us collect at XXXX. XXXX XXXX is available at XXXX. We are available to assist you 24 hours a day, 7 days a week. 

Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services '' I am simply requesting that Citi deposit the promised XXXX American Airline miles into my account. 

Thank you, XXXX
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

On XXXX/XXXX/16, Citibank close my AT & T Access More Credit Card account # XXXX without explanation and refused to respond to my inquires. This account is an new account I opened XX/XX/XXXX and I paid the {$95.00} annual fee in order to enjoy the benefits of this account. Since this account was unilaterally closed by Citibank, I would like Citibank to refund me the {$95.00} annual fee I paid. 

Furthermore, the sign up bonus for this account included a {$650.00} credit towards a purchase of a new AT & T smartphone after spending {$2000.00}. Although I met the spending requirement very quickly I was not able to purchase the phone through the Citi online portal due to the Citi website 's technical difficulties. I contacted Citi Customer Service with this issue and the Customer Service Representative I spoke with advised me to purchase the phone directly from AT & T and faxed in the receipts to be reimbursed. I purchase the phone on XX/XX/XXXX and faxed in the receipt to Citi Rewards Department @ XXXX on the same day. Since the {$650.00} credit was still processing when the account was unilaterally closed by Citi, I suffered detrimental reliance since I purchased the phone with the expectation that I would be reimbursed up to {$650.00} by Citi. I would like Citi to follow through with the agreement of reimbursing me {$650.00} for the phone I purchased. I attached the fax I sent to Citi Rewards Department on XX/XX/XXXX.
Consumer complaint received 2016-07-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has been reporting a negative information on my credit files with credit reporting agencies under account number XXXX. It is manipulating account data details of the said account on my credit reports with credit reporting agencies in a way that 's causing my credit score to constantly and substantially drop in a absence of any new derogatory information. This is an extortion tactic to extract money I do not owe. Since XXXX XXXX XXXX XXXX has been reporting a negative account on my credit reports under different account Types : Factoring account, debt buyer, collection account, open account ... .In XXXX XXXX it reported the same disputed account that was already on my credit report since XXXX XXXX as a new collection account causing roughly a XXXX points drop in my XXXX and XXXX credit scores. Recently in XXXX I disputed errors with account details with credit reporting agencies mainly with XXXX and XXXX providing evidence that they were reporting inaccurately compared to Experian. When the XXXX agencies forwarded the Experian credit report I supplied as evidence to XXXX XXXX, suddenly on XXXX XXXX I was alerted of a XXXX points score drop on my Experian credit report even though no derogatory information was reported on my credit report with Experian. On XXXX XXXX my Experian score was XXXX, on XXXX XXXX it dropped to XXXX without any reason except what I suspect was data manipulations by XXXX XXXX. XXXX XXXX also caused a further drop of about XXXX points on my XXXX credit report by pulling the account around XXXX XXXX and reinserting it the next day making the account impact my credit as a new derogatory account. I was aware of this shenanigan when XXXX alerted me that XXXX was no longer listing the disputed collection account on XXXX XXXX but then the account suddenly reappeared and was reported on XXXX XXXX on my XXXX credit report. It is abundantly clear to me that XXXX XXXX is manipulating account details ( terms, status, dates, etc ... ) to make the disputed negative account perpetually appear on my credit reports as a new derogatory account. There is no other reason that can explain the substantial drop in my credit scores. 
In addition to data manipulations, XXXX XXXX which has had no dealings with me has been falsely reporting account payment history for that " debt buyer '' disputed account with credit reporting agencies. It also has been reporting an open collection account from an alleged charged off account they supposedly bought from XXXX and with past due amount even though I 've never opened an account with XXXX XXXX and never had a contractual agreement to make monthly payments at a certain date on the reported negative account.