davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citibank has confirmed my promotion on the case XXXX. They told me that " the cash bonus of {$400.00} will be applied to your joint account no later than XX/XX/2016 ''. However, till now I have not received that. I reported to the banker and phone service, they just pass the bucks and not take responsibility. 

I am tired about citibank service and reluctant to solve the problem, I feel bad of they did not make their promise.
Consumer complaint received 2022-06-09
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The Credit Bereau stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2015-12-29
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (CA)

In XXXX 2015 I received a form letter concerning a change in my Macy 's account ; specifically, Macy 's was closing my American Express store account and had selected XXXX Bank as their preferred credit provider. When I had not received a new credit card by early XXXX, I visited the local Macy 's store ; they suggested I write to the issuing organization XXXX about my missing card. I sent a letter on XXXX XXXX to request information and the new credit card. As of this date I have not received any response to that letter and still have not received a new credit card. I am concerned that a credit card in my name is still missing and have not been able to get any information from Macy 's or the Bank.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (PA)

Citi credit card customer for 4 years. Pristine record until the day I switched my banking relationship and forgot to update the auto-pay info with Citi and was charged {$31.00} on a {$31.00} account balance. Customer service was horrible. In fact, horrible is an understatement which led me to close the account. ( {$22000.00} credit limit ) and an existing brokerage, IRA relationship totaling {$600000.00}. Yep that 's right for {$32.00}. Never again will I do business with Citi, especially that the level of customer service has taken a nose dive from where it was. Poor command of XXXX, the person sounded like she wanted to get rid of me, transferred me 2 times to the wrong person and seemed to care less if the issue was solved. Great job Citibank!.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CA)

XXXX/XXXX/XXXX I am a person with a long history of never having a balance on my credit cards - paid in full every month with autopay - and a credit score over XXXX when I do not have multiple credit cards activated. 
Imaging my surprise when my new credit union denied my credit card request. We looked at their database and their was an unrecognized credit card with an unrecognizable Citibank credit card charge. I have never knowingly opened a Citibank credit card!!!! 
Thus began my many month odyssey through unhelpful, disrespectful, phone call transfers, endless holds and wait times and dropped calls, repeating the story ad nauseum, requesting information, being interrogated without getting answers to my questions, excessive attempts to get needed information. 
First call to the phone number the credit union gave me which was Citibank. 
- unhelpful, said that account was closed, and it was with a collection agency, gave me collection agency # - Called collection agency, received no assistance, was told they had closed the account and refused to tell me where it was. 
- Called Citibank back after several weeks of intermittent calls I finally got Citibank to tell me it was a charge from Home Depot ( HD ) and that they would send me statements from the charge so that I could determine whether or not it was a fraudulent charge. I was told I should call them back after I reviewed the information to determine if it was fraudulent or not - Called Home Depot and was told I have XXXX balance and was in good standing. 
It took about one month for statements to arrive from Citibank. 
This is the info I received from Citibank this XXXX week of XXXX XXXX : Statements from Home Depot : - All statements were addressed to a physical address that never receives mail - not my correct mailing address - 1st statement : Payment due date XXXX/XXXX/XXXX - Last Statement amount more than triple original amount From my determination this was likely a purchase I made on a new HD credit card that the cashier promoted with a discount for that day 's purchase. I do n't think it was fraudulent as it occurred at a HD where I shop off and on and have had previous account with HD there. 
Note that from the original purchase sometime possibly XXXX XXXX until I received the multiple times requested info from Citibank the XXXX week of XXXX XXXX I had received NOTHING in the mail from HD or Citibank or the collection agency. NOTHING MEANS NO CREDIT CARD, NO STATEMENTS, NOTHING FROM A COLLECTION AGENCY INFORMING ME THERE WAS A PROBLEM!!!! 
During XXXX I believe I had been receiving disruptive calls, but refused to answer questions as the caller refused to tell me what it was regarding so I assessed them as spam calls and attempts at identity theft These calls were likely from the collection agency. I was never mailed information from the first collection agency : according to law.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

On XXXX XXXX, I received several calls throughout the day from XXXX in which no voicemails were left, in the evening I was able to answer the call which was from Citi Cards stating my account was past due. I accessed my online account through XXXX bank and gave the representative from Citi Cards, XXXX, the check and transaction number paid to them on XXXX/XXXX/16 in the amount of {$100.00} and asked that she update the record to reflect that the account was up to date and to also avoid any negative credit bureau reporting and she assured me she would. Unfortunately, I have continued to get calls from Citi Cards, literally, every two hours for the past week and I have spoken to Citi 's other representatives XXXX, XXXX, and XXXX restating the above info and requested an investigation ( # XXXX ) only to continue receiving collection calls, as they persisted to state that no payment was received or processed. I offered to e-mail Citi Cards proof of payment from my bank in which they stated they were unable to accept e-mails only faxes, unfortunately I am unable to drive so that was not an option for me. However, I did inquire about my previous discussions with their reps to which XXXX confirmed the documentation was reflected in their records yet she was unable to answer why I was continuing to get phone calls from the collection department. I then spoke with my bank ( XXXX, XXXX XXXX to re-affirm the payment was processed in which XXXX confirmed the check was cashed but actually on XXXX/XXXX/16 and she offered to fax the proof of payment to Citi Cards ; to which I called Citi Cards again, having an average hold time of greater than 40 minutes, to request their fax number. I was informed by XXXX that she did not have any fax number to give me and the only thing she could do was to transfer me to, I believe the processing department, in which I waited 33 minutes only to be disconnected. I then called back and spoke to XXXX which willing gave me the fax number ( XXXX ) to the Payment Investigation Department and then had XXXX from XXXX fax them the proof of payment. I hope this last effort will resolve this matter as the tactics, poor communication, lack of cooperation, and the time it has taken me to try getting this issue resolved has been frustrating to say the least and I sincerely believe that I have been harassed in this situation in which I was forced to help the creditor resolve their erroneous processing of my payment and hope that such irritating circumstances can be avoided in the future not only for myself but other customers!
Consumer complaint received 2022-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (VA)

My wallet was misplaced on XX/XX/20. It had several credit cards within it, all the companies Ive been able to contact to cancel the cards and replace except for Barclay Card US. Ive waited on the phone on their customer service line for a total of 8 hours over the last couple of days and got disconnected. They will not respond to messages. You can look on their social media pages and its not only me who is having this problem. I am worried someone will run charges up to my account with this total lack of response by Barclay Card US.
Consumer complaint received 2018-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I had informed XXXX 's representatives of my financial hardship which started in XX/XX/XXXX. At the time, there was no hope for me to pay my bill on time as I couldn't even have enough money to eat after paying my rent. I tried numerous time to pay even the smallest amount but no compassion from XXXX XXXX, my account was sent to collection. Having this card since XXXX, that's the way loyalty is rewarded with this company. 
In XX/XX/XXXX, I initiated a monthly payment to pay my debt in FULL. The charge-off is not accurate since XX/XX/XXXX as the debt was recovered in full! I was informed by XXXX 's representative in Credit Services Department that the Charge-off information in my credit report would be removed from my credit report once the debt is paid in full. I made numerous attempts to removed this from my credit report but no success! XXXX 's mislead its customer and then refuses to do its part.
Consumer complaint received 2018-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

Citibank once again has allow an vendor XXXX XXXX  place reoccurring charges on my account without my consent or knowledge. 

I filed the same complaint with the CFPB back in XX/XX/XXXX, when Citibank did the same thing with vendor XXXX XXXX XXXX XXXX. 

I contact Citibank and went over in detail the only vendor that should have authorization to set-up reoccurring charges. Citibank ensured me no other vendor would be able to set-up said reoccurring charges without my express written consent. 

On XX/XX/XXXX, Citibank allowed XXXX XXXX  to place an {$12.00} monthly reoccurring charge on my account and has refused to refund and block said card from XXXX pacing any additional charges on my account.
Consumer complaint received 2022-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

On XX/XX/2022 I reported a fraudulent scam that entailed someone pretending to be XXXX XXXX and stating my bill was past due and my power would be shut off. They asked I use Zelle, from my banks mobile ap, to complete payment. I was fraudulently charged {$990.00}. My bank told me to contact Zelle, which I attempted to do, with no reply, just an automated response telling me to contact my bank. This is a circle perpetuated to XXXX over the consumer. I never signed anything, or entered a pin number. According to federal law, under Regulation E of the Federal Electronic Funds Act, this is violating my consumer rights, and I demand a refund.
Consumer complaint received 2020-11-05
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. (NV)

From XXXX I had an auto loan. In XXXX I paid it off. During that time I was several times late with payments ( 30 days ). My first delinquency was in XX/XX/XXXX, then XX/XX/XXXX, in XX/XX/XXXX and then XX/XX/XXXX. I have a credit reports dated beginning of this year ( XXXX ) proving this information. In XXXX I called credit bereaus with a request to remove this account from my report because it's been 7 years from my first delinquency. The answer was - your first delinquency was in XX/XX/XXXX, so you have to call in XXXX and we'll remove it. So, I called 2 days ago, on XX/XX/XXXX ... and now I was told that my First delinquency was in XX/XX/XXXX and now I need to call them back in XXXX .... So I requested a new credit reports from all 3 bureaus and those report now showing a different data from for e.g. XXXX reports. So, instead of removing account, they just changing Late payments to in-time payments, 1 by 1. Month by Month. I disputed this account 10+ and every time a hear a new excuse why they don't remove it. I'll attach a copy of reports for that account.
Consumer complaint received 2021-06-08
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: I.C. System, Inc. (NY)

Investigation has taken more thank 30 Days, I haven't been provided with proof that the debt is valid. Nor have I've been provided with a sign copy of debt proving that I am in fact in-debt to said companies.
Consumer complaint received 2018-06-01
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. (GA)

I had originally reported this problem CFPB # XXXX. XXXX XXXX decided to report their charge as a charge off instead of removing the charge, which has negatively impacted my credit report and cause some credit card companies to reduce my line of credit due.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

They would n't let me do an forbearance on my loan. I end up paying just the interest On the account but now that I 'm paying it every time. I check it 's not going down it 's actually Increasing by dollars every month. I do n't understand if I 'm paying it why is it going up and not down.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 a. states i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I paid off the loan on my XXXX XXXX XXXX with Chase Bank almost 2 to 3 years ago. Last summer I learned that Chase Bank hadn't given me the title to my vehicle when I went to sell it. I've been trying to work with the bank to give me the title for my car since XX/XX/XXXX. During this time Chase Bank has made no progress on getting me the title to my vehicle. In the meantime I'm losing money on the XXXX XXXX, as I have to pay insurance and maintenance on the vehicle.
Consumer complaint received 2018-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

I have my current mortgage with US Bank Home Mortgage. I pay my mortgage payments ahead when I can to give me a " cushion '' for anything unexpected in the upcoming year where I may not be able to make payments for months at a time. I have always done this and specified on each payment I make what month it is for and NOT to apply it to my principal. 

However, US Bank keeps applying my payments to my principal. This is despite very clear written instructions I send with my payment NOT TO APPLY TO PRINCIPAL and that it is for a particular month payment. I write this on the payment stub, I place a written post-it on the stub stating the same plus I send to the office they told me to send it to so that an actual person is opening the envelope and seeing my instructions.Yet, despite all this, they persist in applying it to my principal. 

They are allocating my payments they way they want to without my permission! I have called them and they've corrected it and they reassure me they will place instructions on my account that my payments made early should be applied to the next month 's payment. But this is still not corrected. They persist in allocating my payments inappropriately despite my explicit instructions NOT to apply to principal. This has happened with payments I made with checks dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And that is just this year alone. I have to constantly monitor my account now to see what they're doing and call them each time to get this corrected. I don't know how a bank is permitted to use my payments as they wish against my instructions. Please contact them to rectify. 
Thank you.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE INVESTORS GROUP (TN)

Mortgage Investors Group sent me a letter stating they sold my mortgage to XXXX XXXX in XXXX, Texas, but XXXX XXXX has no information about me and told me they do not know anything about Mortgage Investors Group and have never received any mortgage from them. I called Mortgage Investors Group but all they said was they no longer had my mortgage so they could not help me. A representative from XXXX XXXX called Mortgage Investors Group but could not get any information about my mortgage. I need someone to find out where my mortgage is so I can make a payment.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NJ)

I am writing to report a problem with Costco Anywhere Visa Card by Citi. Citi issued the card automatically because I had a Costco membership account. However, I have not been to Costco for over two years. I called the number in the back of the card XX/XX/XXXX to request the cancellation. The representative told me that she put in the request right then and I was all set. Yet I am still receiving bills and now this enclosed letter showing that my account has not been cancelled and that I owe money on the account for the yearly Costco membership fee. I never applied for the card, never used the card. I sent a letter to Citi on XX/XX/2016 requesting my account be closed and the outstanding balance be cancelled. I still got an email this morning from Citi telling me to pay the balance to avoid penalty fees. I am deeply disappointed in the customer service of Citibank. I hope CFPB will help me put an end to the outstanding balance of this credit card account, and that this account will be closed for good.
Consumer complaint received 2022-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TN)

I have received a collection letter from Caine & Weiner a debt in the amount of {$600.00} to XXXX XXXX XXXX. I have NEVER requested insurance from XXXX ; however, this policy covered a car which belonged to my son on which I was a co-borrower. IF I am responsible for this debt why didn't XXXX contact me BEFORE turning it over for collection!? This seems to be an unfair and deceptive practice. The debt dates back to 2017! I am asking that XXXX provide proof that I am responsible for this debt AND an explanation as to why I was not contacted prior to the debt being sent for collection.
Consumer complaint received 2018-12-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Applied for a new XXXX checking account on XX/XX/XXXX that had the following terms : Earn {$400.00} when you open a new checking and savings account in the XXXX Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days 6 months later on XX/XX/XXXX, chatted with XXXX Chat representative XXXX regarding the {$400.00} bonus and how the requirement was met a long time ago. Her reply to me was " We just received a response today from back office that the cash bonus of {$400.00} will be credited to the account. Please give us 1-2 business days for the bonus to be completely posted to your account. '' Today, XX/XX/XXXX, the bonus has not been posted. I applied for this checking account promo bonus over 6 months ago on XX/XX/XXXX and met requirements a few days after. It has been over 120 days since I met the requirements despite XXXX stating that the bonus would be posted within 60 days of requirements being met. Which has not occured. 

Seeking a prompt resolution to this matter as XXXX has been notorious in the past of forcing customers to file a dispute to earn their earned bonuses.