davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: SECURITY FINANCE CORP (NM)

I have a loan with Zia Finance. I told them a couple months ago that I would pay them as soon as I could. My wife is XXXX and to us paying her XXXX bills is our priority. They constantly call my wife, all my references, and myself at least 10 times a day. They call back to back non stop. I have told them before not to be continuously calling because I am at work and can not speak on the phone. They continue to harass me. They have called my boss before and I told them not to be calling him. Today XXXX/XXXX/2015 they showed up at my work and told my boss that I owe money and they cant get a hold of me so they need all my information. On Friday a woman showed up to my home, like they do everyday, and my wife had a sign on the door saying that our newborn was sleeping and not to knock. The lady started knocking as loud as she could and my wife went to the door and asked her if she read the sign because she woke up the baby. The lady said " Yes I read it but I do n't care, XXXX needs to pay his bills ''. The lady then threw the paper stating the amount owed in my wife 's face. My wife went outside and told her to leave. She went to sit in her truck and said she did n't have to leave and just kept repeating " Tell XXXX to pay his bills ''. My wife also mentioned that whoever came by the day before tore our screen door trying to shove the paper into it. She then stated that " If XXXX paid his bills that would n't happen ''. I am being harassed by them everyday. They told me they are allowed to call and show up as much as they want!
Consumer complaint received 2016-09-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (NJ)

TransWorld Systems is reporting account number XXXX on my credit report when I paid them. My credit report reflected a balance of {$77.00} but they are still continue to report this items. I had originally disputed it but it does not say disputed on the credit report which I know is a violation of the FCRA.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I ordered a copy of my report in XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity of the account XXXX XXXX XXXX Balance : {$66.00}. I believe it was reporting in error.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NC)

I have had a citi bank simplicity card for 3 years and never made a late payment and always paid more than the minimum balance. I used this card when my wife and I moved to a our home and incurred an outstanding balance of about {$6800.00} dollars. I called to negotiate a lower interest rate and they gave me a 11.99 % rate and my minimum payment was {$130.00} so I began paying more than that, around {$200.00} dollars per month, however, what I was not told by the representative when I was given this rate is that it only lasted 12 months and all of sudden I am being charged {$130.00} per month in interest alone and I do not even use the credit card. I called to ask them to reduce the rate so that I could not pay that amount in interest and so I could pay the card off and I was told no and there was nothing they could do for me. I believe that this is unfair to a person who has paid them on time since I had the card and never been late and always have paid more than the minimum balance. I was passed along to person after person when I just recently called and asked to have the outrageous interest charges which this past month was {$130.00} and my monthly purchase amount ( which was a mistake by me ) was only {$40.00} that is 3 times that amount. Please help me stop this company from taking advantage of a person who only wants to pay what I owe them and end this situation.
Consumer complaint received 2016-10-28
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (CA)

I received an email notification from Citibank ( credit card ) that my XXXX payment in the amount of {$500.00} was returned due to the payment account being closed. I made my XXXX payment on XXXX XXXX ( due date was XXXX ) via the Citibank website. The website listed XXXX payment accounts ; however only XXXX was available to choose because the other account was listed as " cancelled. '' In fact, during the process of making the payment, the cancelled account was not listed in the drop down menu for choosing a payment account. The other payment account was listed as active and this account was the only XXXX listed in the drop down menu. Meaning the website only allows users to choose the active payment account. The cancelled payment account was an old XXXX Bank account used in the past. The active payment account was my current XXXX account, which I have been using to pay my monthly Citibank payment for the last few months. This can be seen in my payment history. When I made my XXXX payment via the Citibank website, I made it with my current XXXX payment account. Again, it was the only option to use on the website. For some unknown reason, Citibank utilized my closed/cancelled XXXX account to draw my XXXX payment. This was not my mistake as Citibank is claiming. I did not have the option to use this old payment account, not even by mistake. 

Citibank got notification of the payment return on XXXX. They charged a late fee on XXXX. However, they took 5 days to notify me of the returned payment, which in essence forced the late payment. As soon as I received the email, I called customer service to attempt to remedy the situation and correct the payment. The agent told me that it was quite possibly a computer glitch which caused Citibank to draw from the incorrect account. However, I now see that I am being charged a late payment fee and I am being told that Citibank will report a late payment to the credit agencies. 

I did not make a mistake by clicking on the old XXXX account because it was not even an option for me to do so ; therefore, I do not believe I should be charged a late fee and I do not believe this matter should negatively effect my credit report. There is an obvious problem with Citibank 's website payment process that allows old/closed accounts to be utilized for payment.
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (OR)

I signed up for a Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.
Consumer complaint received 2016-11-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (TX)

I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (FL)

We have been working a loan modification with Citi Mortgage since XX/XX/XXXX. Citimortgage does not advise the client concisely what is pending within 30 days of receiving a package. They will request a documents then say it went to underwriting and come back and ask for more documents over the course of 6 months. Citimortgage confirmed all documents were received but then on XX/XX/XXXX more documents were requested. The bank is requiring the borrower to incur additional expenses without ensuring a loan modification such as the expense of a quit claim deed and to purchase homeowners insurance which is causing the client additional financial hardships. The bank requested homeowners insurance which could not take effect for 30 days due to the clients gap in homeowners insurance. Citi closed the file and assigned a new representative not familiar with the file right before a sale date. Citimortgage is intentionally prohibiting clients from being reviewed for a HAMP through these tactics and requesting documents from XXXX parties the customer has no control over how long the documents will be received such as the quit claim deed which required to be recorded and took a process of over 30 days and now requesting proof of homeowners insurance which took another 30 days for the binder to take effect. All documents requested by Citimortgage were submitted on XX/XX/XXXX. Due to assigning a new representative who is not familiar with the file we must begin the process again. Our office is experiencing this with all Citi files in our office. The HAMP directives are designed for the client to be reviewed within 30 days of a complete package but Citi will requesting additional documents right before the 30 days are up as to postpone the decision of the HAMP and totally disregard the HAMP Directives. Their missing documents letter are a general letter they send on all files which do not detail specifically what is pending but rather list all the documents need and the expiration dates for all documents needed as 90 day. Rather than provide the date the documents they have at hand with the perspective expiration dates. I submitted all documents requested hereto attached on XX/XX/XXXX. During this critical time before a sale date is not fair to the client to have a new representative assigned to the file.
Consumer complaint received 2017-01-23
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: BC SERVICES, INC. (CO)

A representative pounded on our door on a Sunday afternoon. This person nearly woke our sleeping XXXX month old, and was rude when my husband answered the door. They handed my husband a fake summons ( it was not filed with the court-no clerk 's stamp or signature ), and this was an attempt to scare tactic us into paying the medical bill in full. The bill was less than {$1000.00}. I had just weeks before made payment arrangements with the hospital of {$200.00} a month to resolve any past medical bill debt. ( We moved and did not receive all bills until updating our address. ) After calling, apparently the hospital sold part of the debt to XXXX different XXXX and the BC services was XXXX of them, and was unbeknownst to me not included in my payment arrangement. BC services should not be allowed to pound on my door! A simple phone call would have sufficed.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (TX)

Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to me.
Consumer complaint received 2016-05-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

I recently signed up for a bank account with Citibank due to a promotion they were offering of XXXX XXXX XXXX miles upon successful completion of certain requirements. The promotion was confirmed to be attached to my account with an online chat representative and I completed the requirements. However, Citibank is now stating I am ineligible for the promotion and will not credit me the miles. Since there is not even a Citibank branch near my house or work, the bonus was a strong factor in applying for the account and outweighed the lack of convenience and got me to deposit my funds with their bank. I believe it would be deceptive and bad practice to not honor this promotion since it was a strong factor in even choosing their bank.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

In XXXX of this year I asked Navient, my student loan company, to change the due date from the beginning of the month to the XXXX of each month because it would make it easier for me to make the payments. As a result of this simple request, to which they had agreed on, I have had nothing but problems with my monthly payments. First, instead of changing the dates they put my loans into forbearance without my authorization. I found out about this the next month when i saw my statement showing the total loan amount increased instead of going down despite the extra payments they had ask me to make. They kept billing me different amount for the next XXXX month telling me I have a past due amount. After having talked a dozen times to different representatives and several supervise who kept telling me the problem was resolved, I was told that I had overpaid XXXX loan ( i have XXXX loans with them ) and that they had applied all the finds to XXXX single loan instead of dispersing it evenly among all the XXXX loans. Once again they told me it is resolved and I should wait two days and the record in the computer would update and it never did and they keep billing me different amounts, they are constantly calling me that i owe money and my payments are past due and this is been going on since XXXX of this year. At this point i do n't know what to do or who to call to get this situation fixed so that I can make my monthly payments the way that I have for the past several years, but unfortunately no one knows what they are doing and every time they tell me the exact same thing that it is taken care of and that I should wait two days for the computer to update and two days later I get calls again and the same things repeats. Please, this is a desperate call for help. Thank you.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

My account was closed by Citibank without due process due to an issue created by another bank 's process ( please refer to CFPB dispute # XXXX for other open dispute with that bank ). I was not given any reason for doing so by the representative on the phone, nor was I given a contact phone number to resolve this issue. I was unable to reach a supervisor to discuss this further.
Consumer complaint received 2016-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Harris & Harris, Ltd. (TX)

I have a collection account on my credit report listed as Harris & Harris # XXXX. On XXXX XXXX, XXXX I mailed a debt validation letter to Harris & Harris requesting validation of the alleged debt per the Texas XXXX. As of XXXX XXXX, XXXX I have not received any type of validation or response from Harris & Harris, however they are continuing to report this account to the credit bureaus which is considered a collection activity. I have no knowledge of this debt and have received no communication from Harris & Harris at any point.
Consumer complaint received 2016-05-05
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CITIBANK, N.A. (MA)

In XXXX, XXXX I received an email thanking me for a recent purchase from my Best Buy credit card. I immediately contacted Best Buy and filed a fraud complaint. I live in MA and the purchase was made in XXXX for a camera ... .clearly not mine. In XXXX, XXXX Best Buy deemed it fraud and canceled my Best Buy credit card and issued me a new one. I received the letter from them as well stating the investigation was closed and the charges were removed etc. I did n't hear anything again, until last week. A man named XXXX called me from a cell number after XXXX eastern time. I was shocked as he informed me he was collecting a debt on behalf of Best Buy. I proceeded to explain to this man what happened and he said basically, it does n't matter what your telling me, unless you have a POLICE REPORT, I will continue to call you until I collect this debt etc. He was RUDE, RUDE, RUDE, my blood was boiling! I told him I had a letter from them, he said the letter means nothing, get a police report. He stated they had been sending collection bills to me to which I said, " Sir, if I had gotten a collection letter on this, I would 've called immediately, this is NOT MY DEBT, it was fraud. '' He then asked my PO BOX and I told him, bad mistake ... guess what I got yesterday? A collection letter. I have spent the last week and today on the phone with Citi-bank who owns the Best Buy credit card. They have no idea how or why any collections would or could happen as this was NEVER sent to any collection company. They sent the letter stating I was not responsible and advised me to contact you. I am afraid to send any information to this company collection ... ... I am afraid who they are and how they got ANY information and the man was harrassing threatening and rude. I should n't be treated like that.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (VA)

At the start of this year I saw multiple promotions on the Citibank website in regards to the opening of a CitiGold checking account. This was done using promo code XXXX which was then confirmed multiple times by Citi bank via their online systems. I then proceeded to meet the requirements ( as was also confirmed via their online system and Which should have resulted in me getting XXXX XXXX XXXX miles. into my account. I even got feedback from them that I met the requirements etc. I will attach screen shots of all of the messages and confirmations later in my complaint. They not only proceeded to charge the XXXX USD a month fees but have not honored the sign up bonus. This is a clear form of bait and switch and as you will see they even tried to delay my complaint by telling me to wait a few months for the miles to post ( which resulted in more account fees ) Finally on XX/XX/XXXX they denied that I was even eligable for this promotion whcih they had clearly confirmed many times prior ( see the emails from Citi ) As I clearly met all of the terms and conditions and since that was cleartly confirmed by Citibank I want the XXXX XXXX miles credited to my XXXX account asap.
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

My husband and I have been having issues with our Best Buy Credit card backed by Citi bank. We have had late fees we have been trying to take care of for some time. My husband contacting Citi bank and was to be resolved per their representative. This was not the case we have received a statement in XXXX and again for XXXX with late payments. We expressed to the representative that we were paying the agreed fee and this would be done through our bank account. This conversation took place on XXXX and payment confirmation was noted from our bank on XXXX at XXXX EST. We confirmed that since it was our bank and processing would not be an issue. The representative assured us it would not be an issue. Clearly she was wrong! We have tried to contact customer service with no success ; we continue to get the run around and treated very poorly by customer service reps. We continue to state our case and what the information their employee provided us and they are not holding up thie end of the bargin and are deceptive with theie business practice. We have attempted to escalate our issues and Citi was to contact us within XXXX hr and did not. We are at our wits end and if this can happen to us how many other people is this happening to. It seems this company does not honor their word nor back what there employees state. We have asked them to review the recording and they refer us to another person. No one seemed willing to help, just worried reading a script! Hopefull you can expedite this concern and help us and any other consumers that are going through this concern. 

Out approximate loss is around XXXX. Since we have been dealing with this for sometime. Since XXXX we paid XXXX and now charged XXXX on tope of this and now they say we paid our bill incorrectly even though we verified with the representative in XXXX.
Consumer complaint received 2016-06-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

This is about a promotion Citibank had in XXXX of 2015 where one would get XXXX points for opening a Citi gold checking account and meeting certain requirements. After I signed up for the promotion, I confirmed with a Citi customer service rep that I am eligible for the promotion. Now after 6 months, Citi bank is claiming that I am not eligible for the promotion and declining to give me the above bonus.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

citi bank is charging me {$1.00} interest on an account that is paid in full each month. my payment is due on the XXXX of each month and they are saying i made my XX/XX/XXXX payment late as they they received it on Monday XXXX XXXX. my due date was on a sunday. it is my understanding that state and federal law say when i payment is due on a sunday they can not charge a late fee or interest until after the next business day. Citi bank says state and federal law does not apply to them.