davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

XX/XX/XXXX, I applied and was approved for a Citi Forward credit card ( ending in XXXX ) using an online application form. Terms and Conditions that was presented to me at the time of application ( a screenshot is attached ), clearly and explicitly explained that I will earn XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores. However after receiving my first statements I realized, in violation of Terms and Conditions that was presented to me in the online application form, I was not receiving XXXX ThankYou points per dollar for purchases at above mentioned categories. Instead, it seemed that I was receiving only XXXX ThankYou points for those purchases. I called Citi a few times and explained the whole issue, but the only thing they did was explaining to me that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and they did not seem to be bothered by the fact that this was in violation of the Terms and Conditions that was presented to me. I then proceeded to send a letter to Citi XXXX I think to CitiBank Executive Review Department in XXXX XXXX ) and explained the issue, but received a similar response that mentioned that my card earns XXXX ( and not XXXX ) ThankYou points per dollar for purchases in those categories, and ignored that Citi was violating Terms and Conditions of the account. Overall Citi did nothing to resolve this issue. 
It is a few years past this incidence, but the bad feeling about it keeps being with me. At the time I was initially dealing with this issue, I was not aware of existence of CFPB, so I did not file a complaint. Now that I am aware of this possibility and have already exhausted other possibilities, I would like to take this route to ask Citi to follow Terms and Conditions that was presented to me so that my Citi Forward credit card account earns XXXX ThankYou points for every dollar I spend on purchases at ( 1 ) book stores, ( 2 ) record stores, ( 3 ) restaurants, including fast food restaurants, ( 4 ) motion picture theaters, and ( 5 ) video entertainment rental stores.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (AZ)

Citibank is calling on Sunday morning at XXXX XXXX ( Arizona time ) for a payment to a past due account. Per the federal guidelines, it states calls can be made between XXXX XXXX - XXXX XXXX on Sundays. This phone call was outside of these hours.
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

I have had a citi credit card for a long time, since 2007. In fact it was one of my highest limit cards ( about {$14000.00} line of credit ) and one of the oldest accounts I had. I had not used the card for quite sometime and all of a sudden it was closed without any prior notice to me. I just received a message saying my card was closed. There was no balance on it but if I had known my card would be closed for non-usage, I would have used it! I believe Citi did this because they wanted to switch away from the old rewards system model for that particular credit card. 

I believe their action has adversely affected my credit score and I did not deserve this. I did not receive any notification prior to being emailed that my account was closed.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NC)

I made a {$57.00} purchase in XXXX 2016 with a Citibank credit card. The balance prior to this purchase had been XXXX for several months. I did not receive a statement reflecting this charge even though my address was correct on file with the company. I realized I had not received a statement and went online to pay the balance on XXXX/XXXX/2016. I requested the late fee be waived. I have good standing with all my credit. I was told to request it through the online email on the Citibank site which I did. When I did not receive an answer I spoke to a representative on XXXX/XXXX/2016. I was told it could not be waived. I requested the account be closed. I was told by the representative that no further fees or charges would be made to the account. Since that time an additional {$25.00} late fee and another {$37.00} late fee was made to the account. This brought the balance {$89.00} which included interest fees on a {$57.00} charge that was paid. It has taken several phone calls and requesting to speak with supervisors to get any resolution. I was told they would only waive the {$37.00} late fee the most recent if I would pay the balance by the end of this month. I have therefore paid {$50.00} plus interest of {$2.00} to get them to close the account permanent as original asked and told would happen. I am currently hoping that this has actually taken placed as promised. I am appalled that a credit card company can continue to make late charges on late charges when the purchase has been paid and account requested to be closed to prevent further late charges. I was told by the supervisor that the late fees would continue to accrue regardless of my complaint or request to close the account regardless of what the representative that closed the account said.
Consumer complaint received 2017-02-26
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MA)

I opened Citi bank check in account with a promotional offer XXXX on XX/XX/XXXX and fulfill all terms and conditions, so that I should get {$400.00} promotional reward by XX/XX/XXXX. I made several contacts with Citi, but they said wait till this date. Today it is XXXX and this has not come. Citi should give penalty for this service. If there is a delay in payment to credit cards or cash advance, they put heavy penalty to me. I would like to have Citi give me penalty for their mistakes. I have almost followed more than 10 times with Citi
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (NV)

This collection company has re inserted a medical collection on my credit file to XXXX, This is unknown and this same company placed a previously medical that was my wife 's only which should have NEVER been placed on my credit file in the first place and had to fight it for months, which the bill was solely hers and she pasted away a while ago.
Consumer complaint received 2016-08-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (UT)

A handwritten letter from another bank customer arrived tucked into official correspondence from the bank. 

The handwritten letter was from my parents who I 've gone to great lengths to severe ties with for safety reasons. The letter addressed a banking request ( they wanted me to remove my name from their safe deposit box ). The letter then included personal questions and information about my children as well as a request to restore contact with them. 

This is a completely unacceptable breech of my privacy. Any request to remove my name from a safe deposit box should have been handled by the bank exclusively.
Consumer complaint received 2016-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: USCB Corporation (GA)

This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (CA)

I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.
Consumer complaint received 2015-05-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XXXX XXXX, 2015, the account ( XXXX ) on eBay purchased my iPad mini 3 XXXX Wi-Fi, for the amount of {$450.00}. The account owner, named XXXX XXXX XXXX, requested an invoice for the transaction, which I provided immediately. Then I received automatically generated emails from ( what I believed were ) PayPal, notifying me of the transaction complete, and from eBay, congratulating me on selling my item. Since, I believed that I had received the payment from the buyer, I shipped it to the buyer with overnight priority ( which I charged to the buyer as an additional {$86.00} ), as we had agreed upon. Unfortunately on XXXX XXXX, 2015, I received an automated email from eBay stating " We had to cancel bids and purchases on the following item ( s ) for the buyer, because they were made without the account owner 's permission ''. Upon further review of the communications that I had received from " PayPal '' ( email address : XXXXXXXXXXXX ) and " eBay '' ( XXXXXXXXXXXX ) in regards to this transaction, I realized that although the emails appeared to be very authentic, they were in fact fraudulent and malicious. The email correspondence that the buyer provided was XXXXXXXXXXXX ( which belongs to XXXX! XXXX XXXX. XXXX according to PayPal ), The XXXX tracking number that I provided to the buyer after shipping the iPad to her, was : XXXX And the address that she requested it be shipped to was : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX This address was different than her address that was provided on eBay. 

I immediately contacted PayPal, eBay, XXXX, and XXXX, to see how the situation could be remedied. I also went to the local police station to file a police report, and filed a claim on cfpb as well as XXXX. eBay provides " Buyer Protection '' to their consumers, but there is no " Seller Protection '' that protects sellers from unfortunate circumstances where users have maliciously stolen items from sellers via eBay 's platform.
Consumer complaint received 2015-04-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Flagstar Bank, N.A. (MI)

I had an account with flagstar and had my checks direct deposited from ssid. The had stopped depositing my check without notice. I had an overdraft on my account of about XXXX or so when my check should have been deposited. I called the bank and spoke with the manager at that time. He told me when my check were to start comming back in this amount wouild be detictued at that time. Before my checks started comming back in the bank was attaching fees not under my contract with them when I opened my account. The charged me XXXX per day overdraft fees for over a month. This was a fee not under our contract nor was I ever informed of fees like this at any time. The law states they have to inform you of changes to an account. They can not just attach them like Flagstar did. I has several accounts with them for years and never had this happen or heard this bank did this. This amount is all service charges.
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

I have disputed this debt twice for it does not belong to me. I have just been out of XXXX for a year or so. I was a kid and under age, not responsible for this debt.
Consumer complaint received 2015-12-31
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (SC)

On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-11-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

XX/XX/XXXX, I obtained a mortgage through XXXX for {$250000.00}. This mortgage was subsequently sold to XXXX, which sold it to XXXX XXXX XXXX, which sold it to Green Tree Financial -- all within the space of 4 years. Some time after that, Green Tree Financial turned into Ditech Financial and sold the mortgage to itself. XX/XX/XXXX, I could no longer keep the property, notified XXXX XXXX XXXX ( which was still holding the mortgage at that time ) of this fact, after ascertaining that I could n't rent it out, nor was I permitted to get a tenant in to help financially. Before I left the house, I ensured that the rooms were freshly painted, septic tank emptied, fence painted, roof issues corrected, swamp cooler serviced, termite inspection carried out, vents cleaned, house cleaned, and landscaping maintained. My XXXX children and I moved out of state. Initially in trying to work with Green Tree, I was told I could try to sell the house through them. I took all necessary steps, did all the paperwork required and had it all vetted, only to be told at the last minute that the solution would n't work since I was an 'absentee landlord '. I found a realtor who dealt in 'short sells ', worked with him, with the knowledge of Green Tree Financial , to effect this solution. The realtor had a buyer for the property, was presenting the offer to Green Tree, then both he and I were notified that the property was being put up for Sheriff 's Sale. The Sheriff 's Sale was effected, Green Tree sold the property to itself for {$200000.00} then subsequently resold it to the new owner. Now Green Tree itself is calling itself Ditech, has written off the mortgage, hit my credit report several times, reported to the IRS that I had realized a 'so many thousands of dollars of income ' in a year, so that I incurred further attorney 's fees to fight this outright lie. None of the following : XXXX, XXXX, XXXX XXXX XXXX, Green Tree, nor Ditech have lost a single cent on these transactions, but I most definitely have lost a lot. I want them to cease and desist.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

Please see the attached letter. -- especially the sections about ( i ) Green Tree 's post-XX/XX/XXXX-Settlement lies XX/XX/XXXX, to the effect that my house was going to be sold at foreclosure on a " sale date '' of XX/XX/XXXX, and ( ii ) Green Tree 's utterly unreasonable proposed loan-modification terms requiring me to take on an entirely new debt to Green Tree ( of roughly {$250000.00} ) without even extinguishing the original, existing note to XXXX ( originally {$280000.00} ), which XXXX purportedly still owns. 

I am challenging the foreclosure in the District Court for the District of New Jersey, and neither that Court nor any other has ever ordered or authorized any foreclosure sale. 

Green Tree has also violated both the XX/XX/XXXX GMAC/ResCap settlement order and the 2015 settlement order by failing ( i ) to send me the mandatory package informing me that I qualify for the automatic XX/XX/XXXX " Settlement '' loan-modification and ( ii ) to send me final automatic loan-modification documents for my signature after the XX/XX/XXXX settlement, without forcing me to submit a new loan-modification application with new documentation. 

Green Tree should be held in contempt for violating both the XX/XX/XXXX settlement and the XX/XX/XXXX settlement.
Consumer complaint received 2016-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NC)

Regardless of how early a payment was mailed, according to Green Tree it was always late. When contacted the represenative would always state that Green Tree could not be held responsible for an untimely payment. After many unfair late peanlties the Green Tree represenative insisted that I allow a payment be deducted directly from my bank accout. I gave my permission for a one time deduction but this same represenative deducted XXXX payments in the same month when only one was due. As a result I incurred over draft fees both from the bank and other vendors who had valid claims againist my bank account. The situation esculated to the point I had to close my bank account. When I called Green Tree no one there would discuss the matter with me and I was never compensated for any of the cost I incurred as a result of the Green Tree represenative 's illegal behaviour.
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MD)

My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. It says that it is the first of the month. It is for XXXX loans, each of {$1500.00}. I have paid the bills by the due date with on-line payment, and the money has left my bank account, however my payment is not credited until a week later, and I have been reported as late on my credit report, even though I paid the bill by the due date. It is a " campus based '' private loan. I called with a concern about what is the due date it was vague, pay before the due date. I asked for an actual due date and they could not provide one except for pay several business days before. I asked what means XXXX or XXXX, please be clear. With a credit card it is very clear when one pays on-line -- such as payments made before XXXX XXXX. EST will be posted to the account that day, payments made after XXXX XXXX will post the next day. Banks are also clear with how deposits are handled, such as deposits made after XXXX XXXX. will post the next day. I think it is misleading to send me a bill with a due date, but in reality there 's another due you need to pay by that they wo n't give you. 

I submitted this complaint before and the company response was to a completely different loan.
Consumer complaint received 2016-03-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (OH)

Medical bill in a payment arrangement. Was sent incorrectly to collections by original creditor. Called & let them know I was in a payment arrangement & it was mistakenly sent to collections. Original creditor corrected on XXXX/XXXX/XXXX, report was sent to collection agency XXXX/XXXX/XXXX & I received another letter on XXXX/XXXX/XXXX. I called the collection agency XXXX/XXXX/XXXX & they said I still had an active account in collections.
Consumer complaint received 2016-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc. (WI)

I was calling back, she answered, and she rudely hung up on me. I called again and she answered, we are talking normally. Nobody should not rudely hang up on someone who is debt. it is not cool.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

FedLoan Servicing has constantly put up roadblocks and failed to provide important material information to me in my effort to switch repayment plans to REPAYE. Most recently, they required me to make multiple full months ' payments within a two-week period with new " payment due '' notices popping up literally overnight after making a prior on-time payment. They and also initiated a capitalization of interest on my account which adding over {$12000.00} to my principal balance without notifying me that this was going to happen when I requested to change repayment plans.