davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CT)

I have a XXXX Citibank Visa card that keeps getting rejected. My account is now blocked and I ca n't view my on-line statement. So I called up Citibank to cancel my card, and they informed me that I 'd need to wait of awhile ( " they are experiencing long wait times '' ) to get my account cancelled. This seems unreasonable, since I feel that I should be able to cancel my card without having to wait a long time ( last time I needed to wait 12 mins, and the time before was 20 mins before I eventually gave up ). Anything less seems like fraud. I asked the representative to provide me the name of the regulator of Citibank Credit Cards - she could not. I asked to be referred to a manager, and was referred to a " senior account supervisor '' who also could not provide me with the name of their regulator. And he said he did n't really understand the question. So I did a 5 second search on-line, came up with the name of the CFPB, and informed him that I had the information I required.
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ XXXX to XXXX ( the rough amount of my available balance ). 

When I called to question the change, I was provided a nob-descript response referencing my XXXX report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. 

This is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit without any reason.
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (TX)

I had a previous case with you that we thought was resolved. My husband and I were pleased with the creditors response. The creditor once again ( second letter ) apologized and stated that they basically in simple words would repair our good credit standing and reverse any late fees and interest charges. This was stated in the letter dated XXXX XXXX, 2015. To date, our credit has not yet been repaired. I am again, reaching out to you for your assistance. I have tried numerous times to reach the gentleman who wrote this letter to us/this credit card company and unable to reach him. I thank you in advance again.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I created a Citigold checking account using a promotional bonus code for XXXX XXXX XXXX miles that were to be awarded upon completion of set criteria. I met all requirements necessary to receive the bonus and positively confirmed having met all requirements with several citi agents via live chat on numerous occasions throughout the promotional period. After waiting more than 90 days after completing all requirements, I contacted citi to inquire about the delayed appearance of the bonus points. After several communications I finaly received an email stating that I would not be receiving the bonus points. I have since spoken to several agents and have not been offered any type of resolution.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: MOHELA (NY)

My student loans were deferred while in graduate school and recently became eligible for repayment. I had existing ACH auto debit instructions setup with Mohela, my loan servicer. Upon the end of deferment, only XXXX of my XXXX loans were drafted by ACH. I was misled to believe that setting ACH payments would include all loans. This misstatement resulted in my remaining loans to be late, incurring additional interest. It was only by chance that I logged onto the Mohela.com website to check my loans that I noticed I was one day late. I am signed up for paperless statements and did not receive an email, phone call, text message or other notification that my loan was delinquent. Had I not logged onto the website I would not have known I was late, would have incurred additional interest charges and possibly had a negative impact on my credit score. I confirmed that all my contact information was correct to ensure any communication from Mohela would be received without error. It is clear that Mohela is purposefully misleading students and borrowers about their ACH auto debit practice. This is a misleading, wrongful practice designed to delay payment to the loan servicer. As such, it increases the interest students pay on their loan and generates a larger profit for the loan servicer. If Mohela were honest about their ACH draft policies, they would have sent correspondence clearly stating that not all student loans are enrolled for ACH debit.
Consumer complaint received 2015-08-11
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (MA)

TeleCheck is declining my checks for even the smallest transactions. XX/XX/XXXX at XXXX in the amount of XXXX at XXXX XXXX XXXX. The reason they say is insufficient history and will not guarantee any checks will be processed. As I am awaiting my debit cards in the mail, XXXX days, I have no other form of payment and this company is unjustly holding my money hostage. I have good credit, own XXXX homes and have a significant balance in my checking account. Therefore, I have good credit history and should not have checks declined for {$69.00} and is completely embarrassing to approach a check out with a carriage full of groceries and be declined! 
In researching, the issue numerous people are complaining about these same issues and something needs to be done. I see TeleCheck was fined XXXX in XX/XX/XXXX for this same issue and they have not improved. Either they need to get their act together or be subject to additional penalties and/or taken over by a competent organization. 
If reasonable resolution can not be found with this company I will also be contacting my lawyer to seek punitive damages as well as contacting my senator.
Consumer complaint received 2016-09-02
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: First Data Corporation (FL)

Our business was contacted by merchant services provider that they could save us on XXXX processing fees. They proceeded to have us sign up for a 4 year lease with First Data Leasing to the tune of {$7700.00}. We decided not to proceed with XXXX as we found a better deal before we ever hooked up the equipment with First Data Leasing. First Data Leasing and XXXX are not allowing me out of the contracts even though I never used either of their services. The women whom signed us up was told repeatedly that we did not want to be under contractual agreement however she convinced us by saying we could get out if they could not save us money. We found a way better deal only a week later before we ever hooked up the equipment.
Consumer complaint received 2015-07-17
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: PMAB,LLC (FL)

I received a telephone call from PMAB , LLC of XXXX NC on XXXX/XXXX/15 notifying me of alleged medical debt. After verifying my address and phone number, I informed the representative that I would like proof of the debt and that I had no intention of paying the alleged debt until I was shown proof. He told me he would send proof. I subsequently received a " XXXX % Offer Letter '' dated XXXX/XXXX/15 ( which is not proof ), and missed phone calls from PMAB 's number XXXX on XXXX/XXXX/15 ( XXXX ), XXXX/XXXX/15 ( XXXX ), and XXXX/XXXX/15 ( XXXX ). At no time did the company leave a message or identify themselves via voicemail. On XXXX/XXXX/15 after receiving the final missed call from PMAB, I contacted PMAB to obtain their fax number for correspondence. I was given XXXX which I confirmed with the XXXX. I drafted a cease and desist letter and faxed it to PMAB on XXXX/XXXX/15 XXXX. Fax confirmed the transmission was successful. Subsequent to the faxing of my cease and desist letter, I received yet another phone call from PMAB XXXX days later on XXXX/XXXX/15 ( XXXX ). This time, a message was left. I promptly returned the call and spoke with a female representative who informed me she was calling regarding " medical debt. '' I informed her that PMAB was in violation of the Debt Collection Practices Act because I had previously faxed a cease and desist letter and yet received another call. She stuttered for a moment and stated " well that letter is n't in your file ... it must have gotten lost on the fax. '' I told her that I would be filing a compliant with the FTC to which she responded with " yeah, well, that 's fine ... whatever '' and then promptly disconnected the call.
Consumer complaint received 2015-04-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (IN)

I subscribed to XXXX in XXXX 2014, but cancelled within my first 30 days of service. I also shipped back the equipment to XXXX within the 30 days as well, and now they are saying that I owe a fee of {$98.00} in which I refuse to pay, because I do not owe that.
Consumer complaint received 2016-07-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Dear officer, First of all, thank you for your time on this issue. I got a mail-in offer from Citi bank XX/XX/XXXX with a promo code " XXXX '' to get XXXX XXXX XXXX miles. Then I went to one of the Citi local branch to open a Citi gold checking and saving account with that mail-in offer presented to the banker, but I am still having issue to get the promotional XXXX XXXX XXXX miles. 

I have communicated back and forth to more than XXXX different customer service reps at Citi bank, all of them confirmed that I will receive it by XX/XX/XXXX statement billing cycle, and I even got charged the monthly fee for waiting this long. Meanwhile, XXXX of the reps helped me to do a promotional investigation. On the first investigation on XXXX/XXXX/2016, it says " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. '' Which will get me the XXXX XXXX XXXX miles. But the XXXX investigation on XXXX/XXXX/2016 says " After reviewing the account records, we have confirmed your account is eligible for Promotion XXXX. A credit of XXXX ThankYou ( R ) Points will be applied directly to your ThankYou ( R ) Member account within 30 days. '' It was very unprofessional of Citi Bank and disappointed to see the XXXX research have a different promotion code other than the one " XXXX '', which I presented the promotion mail offer to the banker when I first opened the account. 

Then I contacted Citi back and forth for another 3 or 4 times and the case is still not resolved. I did see there is a XXXX thank you points deposited into my account. BUT, this is not my problem, my problem is I used the mailed in promo code " XXXX '' I got from Citi in my mailbox to open my Citi gold account in order to get XXXX XXXX XXXX miles. It was very unprofessional of Citi Bank to use the wrong promo code. The first research result I got on XXXX/XXXX/2016 and several customer service reps ' notes on my account confirm that I use promo code " XXXX '' to open the account and has met all the requirement. 

I have been waiting for Citi to give me results as the customer service rep filed another internal case for me. But somehow, my entire checking account got closed on XX/XX/XXXX without any notice from Citi bank. I found it out because that I have a foreign wire came in but got returned, I got a call from the sender to let me know the wire was got rejected due to the account was closed. Then I called Citi bank to ask why my account was closed, the rep told me it was inactive and got closed, which does n't make any sense. I even got charged for the return wire fee. 

And I am running out of patience to wait for another investigation since I really need to use the XXXX XXXX miles to book a family trip. I just want to write to express my deep frustration and concern about the customer service and marketing team 's quality at Citi bank. 

Thanks again for your time and have a great day! 
XXXX
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Express Aviation (TX)

I attended to XXXX college for six months.. XXXX made me take out a private loan called American student financial group ; direct lending program ... of XXXX, to found out tow months later when the school closed without previous notice, when I did my financial aid that I did n't needed it because I had a Pell grant available ... im filling this complaint because they lied to me ... but only that because it was a fraud ... since I took a loan supposedly I needed to pay my education.. got in debt payed for an 18 months program and I just received 6 months and they closed ... how I 'm going to pay for something I did n't received??? .. I really want this loan to be discharge and continue with a new clean begging after what career point did to us ...
Consumer complaint received 2016-01-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (PA)

The U.S. Department of Education issued XXXX XXXX a XXXX-Total, Permanent XXXX- which clearly means that I do not have to pay back my student loans. I was served XXXX XXXX, with a Civil Suit by XXXX XXXX XXXX XXXX XXXX XXXX. I have sent them copy of my XXXX several times in XXXX. I have filed a response with the XXXX of XXXX XXXX of XXXX County Pennsylvania. I asked the court to dismiss and cease this civil case. We did file bankruptcy in XXXX. The statute of limitation in PA is four years. There were no payment made on these loans since XXXX. President Obama signed an executive order last XXXX XXXX to expedite these XXXX proceedings to stop these collecting activities for XXXX students. My main concern is how does XXXX XXXX think they can interpret federal law to their collection procedures of student loans? XXXX XXXX, and XXXX have issued me notices that the loans are forgiven. My compliant is clearly this : XXXX XXXX needs to adhere to federal laws pertaining to credit and collections practices as set forth by the United States Congress in regards to student college loans.
Consumer complaint received 2015-12-11
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (CA)

According to a number of recent articles released today, such as ( XXXX ), Scottrade Bank as well as Scottrade Brokerage was the victim of a financial attack. 

Scottrade was informed of these problems via complaints filed with the CFPB nearly 2 years ago today. 

I would like to know why Scottrade ignored the tips and put customers at risk. Furthermore, within the Federal Complaint, it says Scottrade Financial Services is the victim which means the hackings encompassed both Scottrade Bank and Scottrade Brokerage.
Consumer complaint received 2016-05-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DriveTime (KY)

Bo ... ught a vehicle from drivetime due to bad credit cause mu XXXX mustang was rear ended and totaled and needed a car quickly for va appoiontments. loan had a 24 percent interest rate and a broken down 5 times in two months. Going under cause problems are not covered by the liited warrenty you are forced to buy for XXXX and gap ins for XXXX. I had a XXXX mustang that was rear ended and they say I owe XXXX because I did not not [ urchase gap ins.. They originally said XXXX a month was ok so I went anf got a XXXX car and ins for it. 
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..
Consumer complaint received 2017-02-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (MI)

Spot Loan was charging me interest I did n't expect. I tried to work with them and asked if I could pay off the principal amount with reasonable interest and they refused. Then upon further research I found they were not licensed in Michigan. Now, they are trying to sue me. I requested an {$800.00} loan and they are trying to collect over {$1600.00} from me. Please help me resolve this.
Consumer complaint received 2015-11-18
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: BlueChip Financial (MI)

In 2012 I received what they call an Installment loan and I lost my job.. I notified them to cease the ACH withdrawal from my bank account.. I recently been getting harassing calls from this company or whom ever does the collection.. They never say, and is a different person threatening that they have papers to serve me I explained that I no longer live in Michigan and they never asked for me to update my address and they continuously harass my parents.
Consumer complaint received 2015-08-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (OH)

I have no knowledge of any debt that I would owe. I noticed this collection on my credit report from Gold Key Credit INC. I tried to call them to find out about why is this on my report, as far as I know I had no {$400.00} medical debt. I waited on the phone for someone to answer then all the sudden the phone disconnected. If the debt is mine, I have no problem paying it. I just want to verify that it is mine and they wont even answer the phone so I can learn more about this debt. the XXXX is the one listed on the site.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I was called by my mortgage company telling me I was late making a payment and asked if I would like to do so over the phone. I could not understand why they would be calling since I have automatic withdrawal from my account bimonthly. I was unable to discuss the situation then being that I was in a grocery store. When I called back I found out that XXXX of my bimonthly payments was being applied entirely to the principal and that I was getting late fees because naturally the required monthly mortgage payment was not being received. My mortgage was with Greentree when I initiated the bimonthly payment. I was told that Ditech acquired the mortgage and that everything would remain the same with Ditech as it did with Greentree. That is not the case. When I initiated the bimonthly payment with Greentree, it was not the amount that Ditech started to withdraw from my bank account. When I called and asked about this I was told that loots of things happen when mortgages are purchased. I now am watching to see if the late fees ( more that one month ) and the payment is being applied to the mortgage and not the principal. I also learned that although I have the first of the bimonthly payments taken out of my bank account, it is NOT applied to my mortgage. As stated on my statement, the money is listed as " funds in suspense ''. I thought the payment was being applied to the mortgage not being held until the balance for the month is received and applied. So the first half of the payment is taken from my account and held " in suspense '' in an account at Ditech where I am certain it is earning them interest yet it is not applied to my mortgage whereby lowering the interest accruing on the mortgage. Can they really do that? Also, they now say I can have the PMI removed, however they are requiring me to have an appraisal with XXXX of their vendors to qualify to remove the PMI. I though PMI was to insure that they would receive payment not to insure the value of the home. Why am I being made to prove the value of the home to get rid of an insurance payment?
Consumer complaint received 2016-09-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Ditech sent me " resolution '' that not right to my case. i did not complain about {$500.00}, and {$770.00}, that they never took from my account. I do ask about {$800.00} I paid on XXXX/XXXX/16, and and {$800.00} I paid on XX/XX/XXXX. 
Please I am waiting for the answer. 
XXXX XXXX XXXX/XXXX/16
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (ND)

Ditech Financial LLC recently purchased my mortgage and I 've had many problems w/ them from the start. My 1st payment w/ ditech was due on XXXX/XXXX/2015. I tried to set up my online account w/ them but was unable to do so. I called and they said since my account was new I had to wait about 2 weeks in order to get a user name and password. Since I was within the 60 day transfer window I figured I 'd just wait until I could set up the online account and do an ACH transfer. I continued to get hounded by their collection dept all month. Now it 's around XXXX/XXXX/2015, I try to set up my online account and am told the service is down for some reason. Since I was still within the 60 day transfer window I told them I would make a double payment on XXXX/XXXX/2015. The rep at Ditech argued w/ me saying he 's never heard of a 60 day transfer window. The collection dept continued to call. I found it odd that they would call my workplace before calling my cellphone. I do n't want my co-workers thinking I 'm some sort of deadbeat. 

So I finally get registered online w a user name and password. I went to set up an ACH transfer and the website did not allow me to do it. So I had to call in to Ditech. I was supposed to make 2 payment for a total of {$2900.00}. Ditech tried pulling out {$2900.00} three times which resulted in overdraft fees, lots of phone calls, and lots of irritation. When I set up the ACH transfer on the phone i was told I would not be charged to {$12.00} convenience fee, but I was actually charged it twice. They said they would refund the overdraft fees and the convenience fees but I have n't seen it yet, going on close to a week. 

According to Ditech my account is past due, not sure what this is doing to my credit score ... 

Ditech seems to be an aggressive debt collector and not a mortgage servicer ...