davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-02
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. (AL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-30
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (MD)

In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to :   ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal.
685.211 Miscellaneous repayment provisions.
( a ) Payment application and prepayment.
( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.
( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX   XXXX   Very truly yours, /s/   XXXX   XXXX
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (FL)

I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.
Consumer complaint received 2015-04-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Collection Center Inc (WY)

We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us
Consumer complaint received 2016-12-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.
Consumer complaint received 2016-07-10
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: CITIBANK, N.A. (CA)

I have a CITI gift debit card. It expired on XXXX. It still has funds on the card. I spoke to Citi customer service on XXXX/XXXX/16 ( spoke to XXXX and she referred it to XXXX XXXX ) and they would not issue a replacement card or a check.
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (CA)

Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/XXXX.
Consumer complaint received 2016-04-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MI)

I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.
Consumer complaint received 2016-09-04
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (PA)

My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OH)

I opened a checking account with Citi because they were offering XXXX XXXX XXXX miles for signing up. In order to earn the miles, I had to pay bills through the account and spend at least {$1000.00} on their debit card. I did these things to earn the miles. Citi assured me I would get them with my XX/XX/XXXX statement. This has not happened and now they are saying it 's being looked into, but are n't providing any resolution. All the while, they have been charging {$30.00} per month for this account.
Consumer complaint received 2017-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

this is a joke and illegal, 4 months later after I have did what I had to do I still as of XX/XX/2017 not received my {$400.00} checking bonus from Citibank. I want my {$400.00} and I think that Citibank should be fined or something for this XXXX they are pulling.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I make a monthly payment to Citibank. The due date of XXXX XXXX, XXXX fell on a Sunday, and Citi Bank did not accept payments. The payment was accepted on XXXX XXXX, XXXX the first business day after the due date. I was charged a late fee, against XXXX Credit CARD ACT as the due date was on a non-working bank business day and permitted to accept the first business day to follow. I have never been late once. The late fee charged was {$35.00}, {$8.00} more than was is legally permitted. As my payments are made automatically and there was no indication or change to my balance, I continued to pay the same payment and they repeatedly charged me a late fee for the next few months. They broke 2 laws per the XXXX Credit CARD Act and now are forcing me to pay over {$170.00} in late fees.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WI)

I have had Macy 's AmEx credit card for several years. I pay the account in full, on time. On XX/XX/XXXX, I opened the statement for the period ending XX/XX/XXXX, found that my account had been hacked. Several charges posted in XXXX, XXXX, along with foreign transaction fees. I called immediately, was informed the account would be closed, all fraudulent charges removed, a new card issued. I told agent there were eight days between the statement ending date and my receipt of the statement so there would likely be more charges. First statement for new account, period ending XX/XX/XXXX, included the hacked charges from XX/XX/XXXX-XX/XX/XXXX ( the previous account ). I spent two hours on phone with fraud unit while they supposedly removed those charges from the new account. However, next statement carried $ XXXX+ past due charges. More calls and a letter ( with every statement showing my charges and payments ) ; finally a message from them that everything was resolved. However, the XX/XX/XXXX statement shows that I still owe {$98.00}. I have paid all the legitimate charges every month so that {$98.00} is carryover from the hacking charges and fees. I canceled this card in writing ( not sure they did that ) and would like this resolved.
Consumer complaint received 2016-11-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MS)

To whom it may concern ... 
My name is XXXX I 'm the XXXX of my mother 's estate XXXX she past on XX/XX/2016. Before she past,, sHe was telling me about the house, she had a year left on it ... after she pass I paid XXXX on the mortgage to CitiMortgage ~ Citibank sent me a summary of previous balance {$4300.00} I call them back trying to see if they lower the payment cause I 'm XXXX I 'm on a fixed income XXXX $ a month,, they begin to tell me we ca n't talk to you because you not on the account, ,I hired a lawyer to make me the XXXX of the account when I got that finished l call back and they were telling me my mother owes {$28000.00} house they sent me a letter XX/XX/XXXX about affordable modification program " XXXX '' I call when I got the letter trying to get some understanding and I spoke with XXXX he was very difficult I said I 'll call you back I called the next day which was Wednesday of this week they told me somebody or call you Friday morning XXXX call me this morning and he was once again difficult I could n't get no understanding about modifying my loan I asked him could you please switch me to another worker or his supervisor he was trying to get me in a argument with him so we not no understanding I would n't do it so he hung up on me When she first got the house we came over to look at it an congratulate her,, she was explaining to me that she had XXXX years on the house they wanted XXXX in XX/XX/XXXX at XXXX a month next year will be 20 years XXXX times XXXX XXXX. And some change now they are saying the payment is XXXX month an she got the house in XX/XX/XXXX I have the deed it says XX/XX/XXXX my mother she did n't handle business lik that ... dealing with those guys have been a headache XXXX ... they 're trying to take advantage of me and the situation I would appreciate some help or advice to get to the bottom of this..
Consumer complaint received 2016-01-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

On or about XXXX XXXX, 2015 I received a message from Citibank advising me that due to suspicious activity on my account ending in XXXX another card was being issued. The message stated that I could still use the card XXXX until the new card arrived. I checked online and noticed numerous charges on my account ending in XXXX. I had given the card to my son, XXXX XXXX to use in an emergency. I tried to contact XXXX to tell him to stop using the card. I was unable to contact him. I called XXXX and spoke to XXXX ( I.D . # XXXX ) on XXXX XXXX, 2015 and asked her to freeze the account. I checked my account later and found that more charges had been applied to acct. XXXX. I called Citibank again on XXXX XXXX, 2015 and spoke with XXXX. She said a freeze was applied to the new card issued XXXX but not applied to XXXX card. I told her that made no sense as I had not received card XXXX. She agreed and apologized for what she called " the confusion ''. I told her I was not responsible for charges after XXXX XXXX as I had requested account be frozen. Account XXXX was closed and another card XXXX XXXX was issued. I checked my account later and all charges after XXXX XXXX, 2015 were still posted to my account. I called on XXXX, 2015 and spoke with XXXX . He said he would " take care of it ''. I checked my account again on XXXX XXXX, 2015 and all charges were still on my account. I called Citibank again on that date and spoke to XXXX ( XXXX # XXXX ). I checked my account later and charges had been removed from account. I checked my account XXXX XXXX, 2015 and some charges had been reapplied to account. I called Citibank and spoke to XXXX, then XXXX in Florida office. I was told that phone conversation from XXXX XXXX, 2015 would be reviewed and I would be receiving a letter from XXXX I have heard nothing from Citibank since and charges are still posted to my account. Since I was unable to contact my son and tell him to stop using card XXXX I felt my only option was to have the account frozen. I was told this was done. It was not. My agreement with Citibank states that I am not responsible for unauthorized charges. Charges made after XXXX XXXX, 2015 were not authorized because I had requested that account be frozen. Citibank seems to be refusing to accept responsibility for a mistake made by their employee.
Consumer complaint received 2016-06-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I have not received promotional points which were promised by Citibank by signing up for their citigold bank account. I have message from their service representatives promising that it would be deposited by XXXX. However that has clearly not happened and their customer service representatives have not been able to help over the phone or on the web.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (IA)

I have an account with XXXX. My address changed and I updated the address in the store with an employee 12 months ago. I shop here maybe 3 times a year. I made a purchase at XXXX ( XXXX ) XX/XX/2016. I always use my XXXX card to pay for my purchases because of the XXXX % off of your purchase you receive for using it. XXXX % of the time pay it off after I charge it. This time I was in a hurry and did n't. I never received a bill. I shop here so infrequently that I was n't looking for it. 3 months later I receive a call from a collector at Citi on my cell phone stating I owe on my XXXX card. I explained to the Citi customer service employee about the mix-up and paid the amount in full. Even one of the late charges. As I was on hold, I logged into my XXXX Credit Report site and realized they had posted this and my credit score had dropped over XXXX points. I explained that I needed to speak to a manager and she put me on hold for 10 minutes only to come back and give me the contact information to contact XXXX. I told her no, I need to speak with her manager. I was then transferred to a Escalation Specialist who told me Citi was not responsible for the mistake of XXXX, that was their mistake as XXXX changed the address on my loyalty card and not on my billing address. THIS WAS NOT EXPLAINED TO ME. The escalation specialist gave me XXXX options to have negative removed from my report : 1 ) go to the XXXX retail store, speak to the manager about what happened, then call Citi and explain to them what happened with the address change 2 ) fax in a dispute. I happened to be at the mall so I walked in to the XXXX and had a manager speak with the escalation specialist. The escalation specialist 's story changed to the manger and quickly transferred the XXXX store manager to someone above her who told me I would need to fax in a dispute. I just can not believe a company like Citi is able to be so deceitful unfair and misleading to customers. I did n't pay my bill when I made the purchase, my fault. I PAID WHAT WAS OWED IN FULL as soon as the error was found on my part. I changed my address in the store and they said it was updated. I NEVER RECEIVED A BILL!!!
Consumer complaint received 2016-01-22
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (AZ)

XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.