davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (GA)

Home Depot Case : XX/XX/XXXXI found out thru my Identity theft protection XXXX about 4 weeks ago ) that my home depot card had been cancelled by Home depot because of a late payment. XXXX the balance was showing approximately XXXX dollars. I called your customer service because : ( 1 ) I have NOT used that card or shopped at home depot for over 5 years. I tried to explain that to the customer service rep .. but she tried to make me set up payments. I asked to speak to a supervisor and she demanded to know the reason, finally she said she would connect me, put me on hold and after 5 mins. or so the phone went dead. 
( 2 ) I did find out that even though this card is tied to my SSN the address is not correct. The address tied to the card is not known, I asked for the address and they would not tell me. I have lived at the below address since XX/XX/XXXX. I have NOT received any correspondence from Home Depot in years, bills or otherwise. The card has been shredded. The name on that card was XXXX XXXX XXXX. My middle Initial is XXXX ( 3 ) There is clearly some fraud going on here and you have damaged my credit rating. Please rectify this situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 SSN ) XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I ordered new windows from Home Depot and as part of the sale they offered me a Home Depot credit card and said that I would get 24 months 0 % interest on the windows. The total sale was {$19000.00}. They failed to install the windows on the scheduled delivery/install day in XX/XX/XXXX, but despite this they still charged my card for the full amount and I was forced to make multiple payments on the windows I did not have and the interest free period began two months prior to when I actually had the complete items I was billed for. Home Depot sales man has done nothing to correct it other than say he will take care of it and that he is looking into it. It has now been six months and still no results. Any effort I make to complain to Home Depot is just routed back to the same salesman who failed to correct the problem.
Consumer complaint received 2015-10-25
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

I purchased a mattress at Macy 's who told me they would give me {$100.00} off the price if I opened a credit card. At purchase XXXX of Macy 's told me he could n't take the {$100.00} off at the register. My bill came, but not with the {$100.00} discount. Over the phone I paid for the mattress in full, less the {$100.00}. This payment was handled by XXXX of Macy 's. XXXX assured me all was fine. That took 45 minutes. 
Two weeks later I called Macy 's to check to see that my balance was {$0.00}. No, there was a {$100.00} balance on the account. I called XXXX of Macy 's who told me that he would make the adjustment. That took XXXX minutes. He told me that he would have a letter mailed to me showing a zero balance. 
About a week after that I contacted Macy 's to check my balance ; computer voice said {$0.00} balance, and I pressed the button to have a letter mailed verifying the amountToday a receive another bill from Macy 's showing a balance of {$100.00} -- the {$100.00} plus interest. I called Macy 's, spoke with XXXX and supervisor XXXX who tell me that I owe {$99.00} because someone adjusted the {$2.00} off the bill. Their math is {$100.00} + {$2.00} interest - {$2.00} in adj = {$99.00}. XXXX told me that computer would not let him take off the amount, but he assured me that he would keep trying, and would call me Mon-, Tues-, or Wednesday to confirm that all was taken care of. I have NO faith that this can be accomplished. Can someone please help me? I have superb credit and I envision Macy 's showing a late payment because of their incompetence!
Consumer complaint received 2016-11-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX, we used a check from CitiBank for a balance transfer of {$14000.00} with zero interest for 17 months. We always pay off the balance before the deadline when interest starts accumulating. We put the payments on autopay to be sure they would be paid every month. When we went to pay off the balance, we found that 14.99 % interest had been charged for every month from the first month. Citibank stated that the balance transfer check was expired. First of all, there was NO statement on the check stating that if it was cashed after the date of XX/XX/2015 that interest would be charged. No Citibank representative ever attempted to contact us to inform us that the check had expired and that there would be interest involved with the use of the check. This is a gross misrepresentation. We have been Citibank customers for over 10 years and they will not review our case beyond saying they will credit only 2 months. We receive balance transfers all the time and there was no reason why we would choose one with interest over another one.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (WI)

I made a purchase with my Macy 's American Express account in XXXX XXXX for {$48.00}. I would get my statements delivered to me through my online banking service. When I tried to use my card again in XXXX XXXX, it was declined so I called the company. They said my bill was 2 months overdue. I explained I had not got a statement at all and I did not use the card monthly, therefore, I did n't track whenever I was supposed to receive a statement/make a payment. They offered to forgive {$19.00} of my fees/interest charges. I had always paid my bill on time in full. In XXXX, my credit union switched to a different online bill pay provider, but my credit union stated that Macy 's should have sent me a paper statement. I called Macy 's American Express again and this time I was told that there had been a letter sent out in XXXX stating that they were no longer going to be sending statements electronically through my credit union 's bill pay. I do not recall receiving this at all and what I do not understand is why the company never sent me any statements until I asked them to.
Consumer complaint received 2016-10-08
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CITIBANK, N.A. (MD)

On XX/XX/2016 at XXXX est I received a voicemail from a person who claimed his name was XXXX XXXX . He called from XXXX. The voicemail insinuated he was an official of XXXX County who was attempting to serve me legal papers. When I called him back, he said he was trying to speak with me regarding a debt related to an old Citibank credit card. Because I formerly worked as a debt collector, I knew he had broken various guidelines as dictated by the FDCPA. I asked him if he was attempting to collect a debt, and he said no. I asked him why he did not recite the Mini Miranda, and he replied that he was not a debt collector, though he called me regarding payment arrangements for an old debt. I have copies of 2 voicemails that he has left me, and will provide them if requested.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I am submitting this complaint about equifax as I have contacted them in regards to a dispute about incorrect information reporting on my credit report. Teacher 's XXXX XXXX XXXX is reporting as XXXX loans. This is incorrect as I only had XXXX loan with this bank. I contacted the XXXX XXXX XXXX as well and today I received a response from the XXXX that they have attempted to contact Teacher 's XXXX XXXX XXXX twice on my behalf but were unsucessful as XXXX did not respond to them and now the XXXX must close the case. To my understanding if a company/bank does not respond within the allowed time frame it is to be automatically deleted. I did not have XXXX loans with them only XXXX.
Consumer complaint received 2016-06-22
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A. (CT)

I misplaced a rebate card issued by Citi for tires I purchased in XXXX of 2015. When I located the piece of mail and opened it I found the card expired a week earlier. I called Citi to get a new card and was refused being told they XXXX the balance as of the last day of XXXX. The card was for {$70.00}.
Consumer complaint received 2017-02-01
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (AZ)

XXXX company had inadvertently charged my credit card in error for the sum of {$4100.00}. 

I immediately notified my credit card company " Citibank '' to warn them of the error and to credit the full amount back to my account. I was told it would be corrected with several business days. 

Its been almost 3 weeks and the charge is still on my credit card. I have made several calls to Citibank and have been told its still being investigated. This process it taking too long and I am worried that I will be forced to pay for the fraudulent charge. Can you help?
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NJ)

I was charged a late fee on an account by Citibank because their homepage made it seem as though a pending charge was included in the current billing period charges. This was extremely misleading and I was unaware that I had not paid the bill in full when I was notified a month later that there was a late payment on my account. I was understandably upset at this. When trying to resolve this, I kept getting the " our policy '' and we can not reverse a legitimate fee. After asking for a one time customer courtesy to reverse the late fee, they declined. So I have since cancelled the card. Similarly, their homepage does not reflect pending payments and pending payments do not show up in their transactions page. Nor is it apparent anywhere except through clicking payments, view scheduled payments and history. When logging into their homepage, I could be deceived into making an additional payment since the one I made is not clearly nor readily identifiable. Now this was an electronic payment through my bank that is still not being posted? It feels like they are holding payment until end of day to possibly extract additional fees, charges, etc. I thought they had to post payment when the received to prevent these types of shennigans. I thought this type of behavior was forbidden?
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

Purchases were made at multiple merchants which were expected to qualify under promotional rewards earn. Promotional bonus was not applied. Contacted via online message. No resolution. Contacted by phone. No resolution. Closed account due to " gotcha '' marketing and refusal to honor offer. 
Marketing copy lists " Home Depot '' and " XXXX and XXXX Stores ''. Any reasonable person connects the XXXX, and associates Home Depot as a XXXX and XXXX ' store. Even in the disclosure below nothing indicates those XXXX should not be associated. I prefer shopping at other 'home and garden ' shops -- -XXXX and XXXX XXXX . A simple google search yields that these all offer comparable products and services. There is no reason to believe any of these would be treated differently. 
Ultimately I missed out on bonus rewards for {$480.00} worth of transactions, or {$24.00} worth of rewards. 
Marketing copy is deceptive and disclosures are inconsistent and unclear. XXXX refused to acknowledge or rectify this on the XXXX customer that called them out. If I had put other transactions on the card, it is unlikely I would have even noticed this. That is not an acceptable way to treat consumers. If they are not willing to honor the promotion, they should not have it out there to begin with. There is likely a reason why they no longer offer this product -- -clearly this category bonus scam has caused similar frustration from other customers. 
Attached documentation supports and validates all information claimed above.
Consumer complaint received 2016-07-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Lending Club Corp (IL)

XXXX loans have been opened in my name and I did not apply for the loans, nor did I authorize anyone else to open accounts in my name. XXXX company is XXXX and the other is Lending Club. After submitting affidavits with XXXX to dispute the accounts, the debts are still showing up on my credit report. I have also received mail from a collection agency for the Lending Club loan. The inquiries also need to be removed.
Consumer complaint received 2015-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (VA)

Macy 's store credit card : I was 11 days late on a payment in 2014, since then I have been making payments to Macy 's. However they have been reporting to the credit bureau that it has not been paid since then. I have proof through bank transactions, disputed through the credit bureau and Macy 's has not removed the erroneous late and no payments. In addition, they charged off my credit card while I was making payments, which also negatively impacts my credit. Because of an XXXX day late payment my credit is damaged for the next XXXX years. I believe it is unethical and should be illegal for Macy 's to continue to fraudulently submit information to the credit bureaus and not be held accountable. In addition, prior to the XXXX day late payment I called Macy 's stating why I was going to be late and asked for a payment plan and they said their company provides not payment plans or assistance if when someone loses their job.
Consumer complaint received 2015-11-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I have a Macy 's credit card issued through CitiBank. There were XXXX fraudulent purchases made on it. XXXX was made on XXXX XXXX for {$160.00}, and the other was on XXXX XXXX for {$150.00}. I talked to Macy 's fraud department, and they said they would investigate. They temporarily removed the charges and late fees from my account, however they have reinstated the charges to my account. They are reporting my account as derogatory to the credit reporting agencies. Finally, they have been harassing me via phone. They have called me at least 31 times this month, including 7 times on XX/XX/XXXX and 4 times on XX/XX/XXXX. I tried calling back several times, however I got a busy signal and was never able to reach them.
Consumer complaint received 2016-07-07
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (NY)

I was approved for the Citibank XXXX credit card in XXXX 2015. The welcome bonus was a {$650.00} credit to be used toward purchasing a phone from XXXX after meeting minimum spending requirements. I did that, and also purchased a phone from XXXX using the special link provided by Citi. That was in XXXX 2015. The {$650.00} credit was supposed to post to my account within a few billing cycles, but never did. I contacted Citibank on numerous occasions, asking them to look into the missing credit. None of those attempts resulted in a positive outcome. 

I 'm attaching the corresponding billing statement. On XXXX/XXXX/2015 there is a transaction for {$810.00}, listed under " Promo Purchase-Offer. '' This is the purchase of the phone from XXXX that should have triggered the credit. All Citi has to do is verify this with the merchant, but they have been extremely unhelpful, even after numerous attempts on my part to resolve the issue. 

Thank you for looking into this. 

Best, XXXX
Consumer complaint received 2016-09-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I, XXXX XXXX XXXX, have applied for a loan modification with Citi Mortgage and after 60 days I still have no decision nor do I feel like my application is even being looked at. Today I called in to check the status of my modification and a supervisor in the mortgage assistance unit by the name of XXXX XXXX ID # XXXX told me that there is no time frame for a loan modification review which baffled my mind because to my knowledge they have 30 days after receiving a complete loan modification package to render a decision. I 've been told before by other reps at Citi Mortgage that it takes 30 days and we 're approaching the 30 days and to be patient that there would be a decision. On the Citi Mortgage website specifically on this page https : //www.citimortgage.com/Mortgage/displayHomeOwnerAssistance.do? page=troublepayment it says that a review takes 30 days after a complete package is received. I submitted a complete package on XXXX/XXXX/2016 and confirmed it was received and a review was opened on XXXX/XXXX/2016 by XXXX XXXX at XXXX : XXXX. She is also the assigned specialist on my file. I 'm very upset that a SUPERVISOR would tell me today XXXX/XXXX/2016 after having my complete file for almost 60 days now that there is NO time frame for a loan modification review which seems false to me according to citi mortgage 's own website! This is unacceptable! I 'm falling further and further behind while my file is just sitting on someone 's desk not being looked at, I also do n't appreciate the fact that XXXX XXXX XXXX ID # XXXX who claimed to be a supervisor after I asked to be transferred to a supervisor and got XXXX XXXX on the phone that there is NO time frame for a loan modification review. This has shocked me and caused an incredible amount of distress. They say they 're here to help then treat struggling homeowners in desperate need for help like XXXX XXXX XXXX did to me. This is extremely unacceptable and I would like to get the honest truth about if my file is really with an underwriter or not and if so, I would like to be treated fairly and have Citi Mortgage comply as I have with their requests and to give me a decision in a timely manor which they 've failed to do and not only that, they 've added distress to my already difficult situation.
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (GA)

I saw a transaction called Debt protection for {$73.00} on my best buy credit card, which I have n't authorized the transaction. Best Buy team, is not willing to take the dispute and help me with the dispute, XXXX from escalation XXXX, doesnot want give any more detail as they are scared for the fraud.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: CITIBANK, N.A. (MA)

I saw a lower interest rate with the Citi XXXX XXXX so I could transfer a high interest rate credit card to a lower interest rate loan. When I spoke to the rep at Citi and I was told the amount of the loan that they would give me of {$500.00} I told them I had to think about it. The {$500.00} was not enough to cover my credit card debt. The next think I know I have an approval with a credit card. It has taken me several months to submit this complaint, but I do want this taken off my credit bureau score. I have submitted a letter to Citi as well.
Consumer complaint received 2016-04-29
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

In my law practice, I serve as a trustee for a client ( who also happens to be my brother-in-law ). The sole purpose of the trust account, and the trust account above, is to provide funding for a life insurance policy. The life insurance policy is mandated by my client's/brother-in-law 's divorce decree in the State of New York. 

Relatively recently, my brother-in-law 's obligation to maintain the life insurance policy expired. At the time, there remained slightly less than {$200.00} in the trust bank account at Citibank. As mentioned above, this bank account was exclusively for the purpose of funding the aforementioned life insurance policy. 

Because it was no longer necessary to fund the life insurance policy, and my brother-in-law decided to allow the policy to lapse, I sought to close the account and return the remaining funds within the account to my brother-in-law. To that end, I called Citibank. I spoke with a woman who assured me that she would close the account and send a check made payable to the trust, so that I might return that money to my client/brother-in-law. 

Approximately one month later, I received a statement from Citibank indicating that the account was still open, and that approximately {$12.00} had been deducted as fees on the account. Needless to say, I was surprised. After all, I had closed the account and was expecting to receive a check, not a statement deducting more fees. 

Consequently, I wrote to Citibank. A copy of my letter is enclosed for your convenience. In response to my letter, on XXXX XXXX, 2016 my office received a call from XXXX XXXX ( XXXX ) a branch manager of a Citibank branch in XXXX, New Jersey. ( Incidentally, the branch at which I opened the aforementioned trust account was located in XXXX, New Jersey ( where my law office is also located ) ). XXXX XXXX advised that because the nature of the bank account at Citibank was an irrevocable trust, the bank was obligated to disburse the funds with a bank check. XXXX XXXX left word that the bank was not permitted to send that check to me, and that I would need to travel to a branch, produce identification, and collect the bank check in person. He advised that there were branches in XXXX, XXXX, and XXXX at which I could appear for this purpose. 

XXXX, XXXX, and XXXX are all at least 30 minutes away from my office. I can not understand why I would have to appear at a bank to close out an account and collect a check for the balance of the funds left in the account. I suspect this is nonsense, and that the bank has merely erected hurdles knowing that it does not make economic sense for a lawyer ( or anyone else ) to travel 30 minutes away, and spend who-knows-how-long, at a bank branch to collect a check for {$110.00}. 

It is my sincere hope that your office will investigate this matter.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened a Citigold checking account under the promotion XXXX which provides XXXX XXXX XXXX points when completing requirement of an initial deposit and 2 consecutive months of using their bill pay system to pay a credit card. After 90 days from satisfying the requirements, ( which I fulfilled on XXXX/XXXX/16 ) the bonus will post. I have messages from Citi confirming my enrollment in the promotion as well as satisfying the requirements however now they are refusing to fulfill my points
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MO)

This is my second time contacting you regarding this issue. My consolidated loans were recently transferred from XXXX to fedloan servicing as the result of my enrollment in the public service loan forgiveness program. During the month of XX/XX/2017 I was unable to send payments to either XXXX or fedloans. Today when I logged on to fedloans it is showing that I am delinquent. I called fedloan 's customer service to have them remove the delinquency and was told that they can only make an annotation that " may '' be resolved in 60-90 days.