davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (LA)

Applied and was approved on XXXX XXXX for a Citi Simplicity Credit Card with 0 % interest for 21 months. This is what they advertised. Today is XXXX XXXX and still have not received the card. I have called 3 times the first time on XXXX XXXX to report I still did not have the card even though I received numerous emails welcoming me and stating that I needed to activate my card. I was told it was mailed on XX/XX/XXXX (? -Holiday? do n't think so-1 hour on hold ) and I would need to wait another week. So I called back on Friday the XX/XX/XXXX but hung up after XXXX minutes on hold. So I called back again on XX/XX/XXXX ( approx 45 min on hold ) to advise I still did not have the card and he told me he could block it but there would be a {$6.00} charge to reissue it. I told him I was n't paying the charge because I never received the first card and not even sure they mailed it. He told me he would waive the fee since I am a valued customer and would transfer me to the reissue department ( another 20 minutes on hold ). The girl told me that she would overnight me a card via XXXX and I should have it no later than Tuesday, XXXX XXXX. That is today and it is XXXX and I still have nothing. I got a welcome letter in the mail today ( it was mailed to the same address that I verified with them each time I have called ) for the card they supposedly blocked. It is amazing how that arrived but still no card. I am calling once again to get a tracking number ( if they even sent another card ). So far I have been on hold for 30 minutes. They just answered he asked me my first name and I provided it told him that I need to get a tracking number and he stated one moment m'am and now I am back on hold ... ... I said H-E-L-L-O and he said yes m'am I am checking on it. But I do n't see how since he only has my first name. Put me back on hold .... now it has been 35 minutes and someone is dialing on the phone. I have a feeling they are going to disconnect me. Still no answer, great I am back on the hold music! Meanwhile my 21 months @ 0 % interest is clicking away. This starts on the date you are approved. I think they need to honestly advertise that they have no plans on mailing the card immediately so really it is more like 18-19 months not 21 months no interest.
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, XXXX, I noticed XXXX fraudulent ATM withdrawals ( {$400.00} each ; total {$800.00} ) pending from my Citibank checking account. I immediately contacted the Fraud department to make a claim for XXXX unauthorized transactions. Because it was a Saturday, the Fraud dept. could not tell the exact location where the cash was taken. On Monday, XXXX XXXX, XXXX, those XXXX fraud transactions posted on my account showing funds withdrew from an ATM machine in XXXX, XXXX. I am physically located in XXXX XXXX, XXXX. I have no relatives in XXXX and have not made any trip there throughout my entire life. When I called to make a report on XXXX XXXX, XXXX, I told the fraud dept. that on XXXX XXXX, XXXX, I authorized my mother to withdraw only " XXXX XXXX dollars '' from an ATM located in XXXX XXXX, XXXX. The XXXX unauthorized transactions were withdrawn XXXX hours apart from that transaction which I did not authorize. I clearly made my statement however Citibank Fraud dept. has declined XXXX of the XXXX unauthorized transactions, stating that " I authorized the withdrawal of XXXX of them. '' This is what I learned from the Assistant Branch Manager at one of the branches in XXXX, XXXX on Monday, XXXX XXXX, XXXX. 
This is totally absurd and ridiculously where Citibank Fraud dept. has fraudulently stated that " I authorized it '' in order to deny refunding me {$400.00} plus the non-Citi ATM fee of {$2.00}. As of now, I am still waiting to see if I will get my remaining {$400.00} + {$2.00} back which I had to make another separate fraud claim on Monday, XXXX XXXX, XXXX. 
How could I positively authorize the withdrawals in XXXX XXXX when 1 ) I live in XXXX XXXX XXXX and the ATM card has been in my possession all the time, 2 ) I can not possibly make a 2-hr fly to XXXX, XXXX from XXXX XXXX, XXXX, and 3 ) I have no relatives in XXXX XXXX nor has ever made any trips there. 
I 've been with Citibank since XXXX and it 's a great disappointment to know how the Fraud dept. can carelessly accuse someone making an authorization where no basis or evidence was provided to the consumers. This is one of the example that Citibank Fraud dept. commits a " fraud '' themselves. This is the first time it ever happened to me and I 'd like the Consumer Financial Protection Bureau to know and take appropriate actions to protect consumers who may have ran into similar situations like myself.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MO)

First. let me start by saying I am trying my best to remain loyal to Citibank and continue to use their credit cards. However, they are making it almost impossible for me to do. While on vacation in XXXX XXXX, XXXX XXXX I somehow lost my entire wallet and cellphone. After realizing I did n't have my cell phone or wallet I called Citibank to inform them that I had lost my wallet and cell phone. Upon calling Citibank to inform them on XXXX/XXXX/2015 that I had lost my wallet and cell phone and to also inform them that when I logged on to account I noticed several charges that was pending and I never authorized the charges. I had last used my card for the XXXX XXXX stay and a XXXX purchase in the amount of {$39.00}. I was never able to advise Citibank of this as I was only met with their notorious terrible, rude, and unprofessional customer service. All the representative kept telling me was the card was temporary blocked and unless I have the code that was sent to my phone their was n't anything Citibank could do for me. Are you serious? I just brought to your attention that not only am I vacation I have lost my wallet and cell phone and I just informed you that I noticed charges on my account that I did n't authorize. All you can tell me is unless I have some code there is n't anything you can do for me. That 's customer service? Yet Citibank claims to pride themselves on great customer service. The mere fact I informed Citibank that I noticed charges I did n't authorized should have been more then enough concern for them to at least close down the account and issue me a new card. I could have called them when I got home and gotten a replacement phone to address any issue about some code they where talking about. As a result of Citibank not taking such measures and claiming to have a concern about the so called security of my account I logged into my account today XXXX/XXXX/2015 and notice over XXXX new pending charges. I guess the temporary blocked was just that " Temporary ''. Not only did Citibank allow the new charges to go through, they allowed many charges to go through even after my credit limit was exceeded. I showed over XXXX charges at the same XXXX. That should have been another reason for them to close the account down until they could talk to me even if I had never contacted them.Why would Citibank allow any new charges on XX/XX/XXXX and XXXX/XXXX/2015 to go through after I just informed that I lost my wallet and cell phone. So now I have over XXXX fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX. Not once did Citibank do anything to prevent this from happening. Citibank is completely unbelievable. I just cant believe this even as I write this message.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Comerica (AZ)

A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.
Consumer complaint received 2017-03-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told me.
Consumer complaint received 2016-11-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (NH)

I asked Citibank to cancel an account that had a {$95.00} annual fee that I was not using. They said if I wanted they could give me a {$95.00} statement credit that would be applied against future purchases. When I called a month later to see where that credit was on my statement they said I had to make the purchases first. I did on XX/XX/2016, I then received the next statement- no statement credit was found. I called and was informed I had until XX/XX/2016 to make the purchases. I was never told that! They said they could not do anything and now I am paying interest on those purchases in addition to having a annual fee that I wanted to get rid of in the first place. It is complete fraudulence on their part.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

We ( my late husband & I ) owned property which was in his & his brothers name. Financed thru BofA, sold to Green Tree and now DiTech. After my husbands death I ended up owning the property XXXX %. It is rental property and I make all of the payments, etc. Yes, I have been late on several payments but always catch them up and pay any late charge associated with them. I just received a call from DiTech saying that they received my XX/XX/XXXX payment, but would not be applying it to the loan, as it was not the total amount due. I asked what the extra amount was for, please break it down for me and she said she could only give me limited amount of information on the account and she would not be applying my payment. My husband has been deceased for 7 years and I have always spoken with this and previous companies regarding the loan and payments. They have had my brother-in-laws permission to speak to me regarding anything to do with this loan for many years. Even though I always pay any late fees, if I am not mistaken, the original loan papers say any outstanding late fees, etc. will be added to the end of the payment schedule/final payment. How can a financial institution treat and threaten paying customers in this manner? Is this legal?
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (FL)

I recently applied for a Macy 's credit card on Macy 's website. The website said that it required further processing and that I would receive a letter in 7 to 10 days. I received the letter ( which I 've included ) saying they were unable to open an account because they could not confirm my identity, and to call them. I called them and they ask me a couple of questions and said to hold they would finish processing my application. They DID NOT tell me they were running my credit for a second time! When they got back on the line they said I was declined because of my credit score. The letter said they could n't verify my identity and nothing about my credit score which they already new. They had ALREADY pulled my credit on XX/XX/XXXX when they sent me the letter. When they put me on hold and ran it again on XX/XX/XXXX without telling me they were doing that, it dropped my credit score XXXX points! That was the second time they ran it in 10 days. I would never have allowed them to run my credit a second time knowing they had just ran it on XX/XX/XXXX. I monitor my credit closely and was immediately alerted when my score dropped XXXX points. This has now dropped my credit rating to fair instead of good.
Consumer complaint received 2016-01-13
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (TX)

I made a significant purchase using my Best Buy Citi account, 2 years ago. I took advantage of the 0 percent interest financing opportunity for 24 months. I made payments on the card, each month. What I did not realize was that Citi was not applying the payments I was sending in to my promotional balance. They were applying it to other balances. I did n't realize this until I received a finance charge of over {$3100.00}! Obviously, I was shocked by this and immediately called in and they told me if I could pay off the promotional balance ( ~ {$4400.00} ), they would waive the finance charges. I actually paid {$6000.00} to Citi and I had to borrow money from my son in order to do this. I called them to make sure they were going to waive the financing charges after they received the {$6000.00} from me, and they told me that I only had until XX/XX/XXXX to do it. They received the money on XX/XX/XXXX and told me that " there was nothing we can do. '' First of all, their payment processing is deceptive, as I thought I was paying down the balance. Second, they TOLD ME that they would waive the finance charges if I paid them {$4400.00}. I paid {$6000.00}! If I knew they were going to go back on their word, I would n't have paid that much! I would have used the money for other bills. I, in good faith, made the payment and now Citi is charging a XXXX year old widow a huge finance charge. Please compel Citi to honor their word.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: CITIBANK, N.A. (TX)

I agreed to just applying to see if they would accept me on getting a sears card, ( I did n't know any better ) which I was declined ( rejected ) therefore I figured it was for the best and left it alone. I did my checking and came to find out it shows up as a hard inquiry affecting my credit score. Even after been rejected and never applying again.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

On my credit report is an account that is XXXX XXXX XXXX, as well as paid in 2012. I have disputed this account several times it will be removed for a while, then it is re inserted and re dated. I have disputed it with the credit bureaus and they call it a valid debt. I do n't understand how the bureaus validated that information, when I have written and called the address and phone number provided on my credit report and the number is disconnected or no longer in service. Trans World System # XXXX XXXX XXXX, DE XXXX is reporting a {$280.00} debt on behalf of XXXX XXXX. The account is XXXX XXXX XXXX well past the statue of limitation and reporting time limits according to the fair credit reporting act. XXXX XXXX services all of Texas and will not provide service to you with a outstanding bill. In XXXX of 2012 the outstanding bill was paid. Since 2012 I have been trying to keep this inaccurate collection account off my credit report.
Consumer complaint received 2015-10-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

I currently have a mortgage serviced by Green Tree servicing ( now Ditech ). They failed to perform an escrow assessment for 2014 which is required by law. I am now receiving demands for payment along with my mortgage that is XXXX % higher than normal. my mortgage payment went from {$1300.00} to {$1800.00}.
Consumer complaint received 2017-01-26
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (MO)

I defaulted on my payday loan with spotloan. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency XXXX about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?
Consumer complaint received 2016-06-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (TX)

I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (SC)

Alleged outstanding balance paid online using online web pay ( Lowes.com ). Found out about alleged outstanding balance while applying for a mortgage. The alleged amount was paid. In an attempt to not prevent mortgage processing delay, sent an additional sum in the amount if {$470.00} ( with an additional {$100.00} to ensure account finalized ). No efforts on the part of the creditor ( Synchrony ) to investigate the account - they just presented {$570.00} in funds sent to them without investigating anything. I am XXXX military and had not heard ANYTHING at all from this bank despite having other accounts open with them ( to include up to date contact details ). Syncrhony have destroyed my credit for not fault of my own and have prevented me in obtaining a critical mortgage - due to their inaccurate reporting.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.
Consumer complaint received 2017-03-14
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Ceannate (CO)

FMS student loan collections : I have been threatened over the phone, they have used intimidation tactics, I have had an agent threaten that I will have my wages garnished. I have had multiple agents disclose the exact quotes, after telling them my name is XXXX, they have screamed at me over the phone stating " you need to confirm your name is XXXX, and your last four of your social is XXXX '' Also One time I told them I had no problem updating my mailing address but I dont want harassing letters sent to me in the mail. And the first thing they do is send me multiple debt collection letters.
Consumer complaint received 2015-07-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CA)

I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft.
Consumer complaint received 2015-08-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (TX)

I stopped payment on a private student loan with XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX. On XXXX XXXX, I and my co-borrower were sued by XXXX XXXX XXXX for non-payment. In XXXX XXXX, the case was dismissed by the XXXX County Clerk Court XXXX for non-suit as they brought suit against statute of limitations. On XXXX XXXX, Transworld Systems Incorporated has only verbally contacted via my place of employment. It has been over thirty days, I have not received notice of debt from this particular collection agency. They have attached the XXXX XXXX XXXX XXXX XXXX to my credit report and state that I owe {$41000.00}. I am disputing this amount and also attaching documents to where the matter was dismissed in county court. I have offered to settle with XXXX XXXX but to no avail.