BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-05
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I disputed a unauthorized charge from XX/XX/year> for {$140.00}. Citi looked into this and the vendor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) said we received the merchandise to our HOME ADDRESS so they reversed the charge back to me. I then took it upon myself to look into delivery options from XXXX XXXX XXXX and they do not offer shipping to home address and will only email the tickets to the purchaser. The email address used was not mine or my wife 's so that is how they stole our identity and purchased tickets ... nothing was sent to my home address and I contacted Citi and explained this to them but they still won't reverse the charge and have delayed this for almost 6 months now and are charging late fees and interest and constantly calling me to make payment. I have called them many times asking what else they need from me to prove this was an unauthorized payment and they say they are looking into it... nothing ever gets done and I am fed up with them treating me like a criminal as we had 4 charges total that were unauthorized on XX/XX/year> and they deemed 3 of the 4 charges not mine but keep trying to get me to pay for this 4th charge even though our identity was stolen on this date and they all used my wife 's name and address but a different email address, not ours.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a Bank of America credit card with a balance on it. All payments are up to date and I pay above the minimum. About half of the balance is under a 0 % interest promotion the bank provided. The other half has a 24.2 % ( usurious if you ask me ) rate. I pay above the minimum and notice all that money goes to the 0 % balance and none to the 24 % balance so every month, my interest payment rises even though I have made above-minimum payments and charged nothing more to the card -- my overall balances are lower. 

Is this legal? Do the banks decide where they want to apply the money sent to them so they can maximize the interest charged to me? It certainly seems unfair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian now closed 13 complaints in a matter of minutes AS REQUESTED FORWARDED TO F.T.C AND D.O.J

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes XXXX business days to receive the letter and its been past that timeframe, XXXX  already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, XXXX times already. I still receive various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Here attached in this complaint are images of other mail I have received from a different department of Citibank regarding other issues with my account ; this proves that I receive mail from CitiBank, just not from the aforementioned department. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXX extension : XXXX Reference number : XXXX Original OCC case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I used my debit card for a retail purchase at a restaurant and the entire party I was with became very sick with Salmonella poisoning the day after XXXX. I called the restaurant many times and no one answered or phoned back. I then decided to request my money back via the bank card BMO and was told that they would investigate and also fund me my {$270.00} back while doing so. They asked me if I had contacted them and I said YES but that no one is returning my calls. They asked me to try again but that they would also do their part. I went to the XXXX XXXX  corporate account, I went to " Contact Us '' and sent a very detailed email via their website about what happened and that I dont believe I should have to pay for this meal. My father was hospitalized with XXXX XXXXXXXX failure from XXXX XXXX from his XXXX XXXX XXXX XXXX. I included in the email my story, my check amount, my name and call back information as well as my email. on XXXX BMO sent me a letter in the mail requesting more information from me which made no sense to me, this told me that they were not being a good back to me. I was so busy with my father in the hospital, I finally sat down to write them a letter that I had not received a drop of communication from the restaurant and had nothing to provide them because I sent the email via their website ( without a response ) and my hands were tied. Yet, on XX/XX/year> the seemingly immediately sent me another horrible letter saying they would NOT refund emergency my money and basically could care less and sent me off to deal with this alone. I believe this is absolutely irresponsible. I received no calls from them, no information or proof that they even did anything to investigate on behalf of their clients and I am absolutely feel abandoned by my bank and I'm losing money to a company that isn't responsible, probably making other people sick and not following up with their correspondences. What is obvious is that my only option is to hire an attorney if this does not work out for me. I have never been treated so poorly by a banking institution. They don't do their due diligence for me, they're soon to be former customer. They showed me 0 proof of an investigation and never had an ounce of sympathy to help or accommodate me as I used their services to live ion this world. It is also their responsibility to advocate and investigate and yet all they did for me was send me contradictory letters without any help or advocate for the consumer. I feel completely abandoned and used by BMO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SOMEONE OPENED A NTB CitiBank Card in name making payments which impacted my credit, etc. I was terminated from multiple jobs, lost my car and evicted. I have not been able to hold employment due to this situation, stress level, etc. I filed an identity theft report and I only found out about this in XXXXXXXX XXXX XXXX I WANT THIS ACCOUNT REMOVED FROM ALL OF MY CREDIT REPORTS INCLUDING THE NEGATIVE INFORMATION ASAP OR {$34000.00} WILL BE PAID IN ADDITION TO THE REMOVAL FROM ALL INFORMATION FROM CREDIT REPORTS ABOUT THIS ACCOUNT! Additionally, I have been sleeping in shelters, motels with vouchers, the streets, or abandoned places and public bathrooms. Every program has informed that I need help beyond their qualifications and housing is waitlisted. I CAN NOT GET HOUSING ASSISTANCE, A JOB NOR A CAR WITH THIS ON MY CREDIT REPORTS AND I HAVE BEEN ABANDONED BY MULTIPLE PEOPLE IN MY LIFE LEAVING ME TO DO EVERYTHING ALONE!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I charged my Costco Citi Visa card for {$7500.00} as part of an agreement I had with XXXX  XXXX ( XXXX ) to provide architectural drawings and engineering design for my home remodeling project. XXXX kept the fact from me that it went into bankruptcy before I made the payment. I am not able to recover the fund from DE after making several attempts, despite the fact that XXXX has not fulfilled its obligation per the contract terms. Therefore, I turned to Citi Visa to open the dispute in XX/XX/XXXX. After several months of back and forth responding to document requests, on XX/XX/XXXX, I learned from talking to the Dispute line that the case was denied. I was told that Citi has no way of reopening the case and that XXXX made the decision, not Citi. Clearly, the services were not provided and I was denied a refund/billing adjustment of the full amount. Citi could not provide me with a contact at XXXX in order for me to inquire a specific reason other than not sufficient information to arrive at a favorable decision. I have provided all the documents requested of me with explanations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-04
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1671a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transaction or experiences ( payment history, charge off status ), between the person ( WESTLAKE FINANCIAL ) making the report and the consumer ( myself ). Additionally, 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) states that A person ( WEST LAKE FINANCIAL SVCS ) shall not furnish any information relating to a consumer ( Me ) to a consumer reporting agency ( XXXX, XXXX, XXXX ) XXXX the person knows of has reasonable cause to believe that the information is inaccurate. WESTLAKE FINANCIAL SVCS can not collect on a discharged debt. This is now considered a certificate of indebtness per the IRS and income can not be reported. The IRS clearly defines a charge off as XXXX or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate. 
This reporting is unsatisfactory, WESTLAKE FINANCIAL IS HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In WESTLAKE FINANCIAL SVCS 'S TERMS AND CONDITIONS they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX is not an affiliate of WESTLAKE FINANCIAL nor are they " bureaus ''. 

I have a right to Privacy and Per the Privacy Act of XXXX as a federally protected consumer, I am now revoking any and all authoritization I the consumer may have given you written, nonwritten, verbal and nonverbal per U.S Code 552a. WESTLAKE FINANCIAL must also refund the remaining balance of the consumer account upon its termination. this your 7 day notice to return ALL money due from this consumer. account THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2023 I transferred my tesla lease to another assignee. I closely followed XXXX XXXX instructions along the way. I had a XXXX car registered in XXXX. I asked Tesla whether I need to return the XXXX XXXX and tesla 's answer was no ( see attached email exchange with Tesla Finance customer service ). Fast forward to one later, I was trying to get another lease weekend and when I was updating my insurance, I realized that my NY driving license is suspended. I researched further the issue and my license suspension is related to Tesla lease transfer. As a matter of fact, my license has been suspended because of the insurance lapse resulting from the fact that Tesla instructed me to not return the license plates to XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I tried to add my credit card to XXXXXXXX XXXX XXXX i was told i needed to call to verify my identity which i did by providing my 'secret word ' that i setup when i got the credit account years ago. They then asked for a phone number to text me a verification code, which they didn't do and instead said they needed a second phone number to text me at also. i provided them two phone numbers at which point the customer service rep told me i needed to provide more phone numbers. I don't know how many phone numbers they think people have or that i need to provide, but two phone numbers is more than enough. they then asked me to give them my bank account numbers. when i tried to ask why they are asking for so much information from me when i've had the account with them for years, they went silent and refused to speak. i hung up and called back. I got a different customer service rep who told me that my account was now locked and that they would no longer be providing me any customer service. I asked to speak to a manager or supervisor and was told that there are no managers or supervisors working and that i'd have to wait up to 48 hours for someone to maybe call me back. i tried asking why they won't just verify my identity and why they're making me jump through all these hoops and they refused to answer me or provide me any answers. i then told them to go ahead and just cancel my credit card since they don't want me as a customer and they refused to cancel my credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Citibank has blocked my account since XX/XX/2024 for no apparent reason. I made a complaint earlier with CFPB and CitiBank responded saying the fraud department sent me a letter in the mail to confirm my account on XX/XX/XXXX and again on XX/XX/2024, neither of which I have received. They said it takes 7-10 business days to receive the letter and its been past that timeframe, twice already. Please contact the Account Takeover Department because they are the ones sending the letter and they are either sending it to the wrong address or not sending it at all. Citi Executive Response Unit will respond to this complaint by saying they sent a letter to my address and that the case is resolved ; I dont accept this response because they are still to contact the Account Takeover department and investigate why the are sending the letter to the wrong address. It can not be a coincidence that the mailman lost the letter, 2 times already. I still reason various anonymous mail from Citibank concerning my account, this seems to be the only letter from Citibank that I havent received and its from this particular department, so they are obviously doing something wrong. Ive filed a complaint with Citibank executive response unit and they basically told me they dont have any control over the fraud department and have no rapport with them and cant even call them. I have my life savings of {$55000.00} in this account which I can not access and this is jeopardizing my familys living situation as I am unable to pay rent without these funds. 

Citibank Account number : XXXX Account type : personal checking account Account holder Name : XXXX XXXX Citibank Fraud department : ( XXXX ) XXXX I have filed complaint with Citibank Executive Response Unit at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Original OCC case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I arrived in the XXXX for a vacation trip and I needed to check my CitiBank account statement online to view how much income I had in my checking account. Prior to arriving, I was able to view my statements online on XX/XX/XXXX via Citibank APP. I received an error saying a new card was to be shipped to my address, however it worried me because I did not request a new card. On XX/XX/XXXX I called my mother in XXXX XXXX to check if the card had arrived at the house and she replied that it did not. As I was low on funds in another country, and I needed to withdraw money at a local ATM- I called Citibank customer service at XXXX. I have had my Citibank Priority account for over 15 years and this has never been an issue. The customer service representative upon checking the status of my account informed me that Citibank has arbritrarily decided to close my account and that no further details were provided. The customer representative then further informed me that it was the back off Security department 's decision to close the account as there was no longer a need for the relationship. She further commented that because the account is close, they will withold and keep my entire savings and checking account. At this point I panicked as I had over {$15000.00} saved in the account and the account was tied with my Direct Deposit for my employer. The day I had called was my salary day and I needed the money to pay for my wifes Hospital bills because she is XXXX. I asked to speak with a manager and the customer service refused, I threatened law suit and that is a recorded line and I am requesting to escalate to a manger. The representative then connected me to a supervisor who further explained that the bank decided to close the account and that nothing can be done at this point for me to withdraw my funds. I have a pregant wife who is XXXX XXXX XXXX  and this is the only source of my funds, I need assistance to get my money back which I have saved and earned to help pay and support for the medical bills. Please assist as I am in panic overseas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: U.S. BANCORP
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
US Bank Mortgage account and payments are not being reported to credit bureaus. We obtained a home loan in XXXX, however, we needed to file bankruptcy ( XXXX XXXX  ) in XXXX. Our mortgage was not included in the bankruptcy discharge filing and we signed a reaffirmation agreement US Bank. We have not missed or made any late payments during the entire duration of our loan. I have requested for US Bank to provide payment history which I have attached for reference as well as a recent statement due to my husbands name not being listed on the payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation