BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I am having difficulty shaking Citibank interest charges, and their incompetence is perpetuating the problem. 

I sought to make XXXX payments to my citibank credit card account ending in XXXX today, on the closing day of the billing period. It is necessary to pay before closing date in order to avoid interest charges. 

I made XXXX separate payments. I attached the correct payment stub to each check - see EXHIBIT A. XXXX checks, XXXX payment stubs. The payments were Personal Check XXXX for XXXX made payable to Citibank XXXX, Business Check XXXX for {$1200.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT B ) and Business Check XXXX for {$7700.00} made payable to Citibank XXXX with full account number on face of check ( see EXHIBIT C ). 

The payments were tendered to the XXXX, IL branch of Citibank via their night drop slot. As of midday today, they had not posted to my account. I called the branch and they erroneously stated that the deposits would not be visible on the Citibank XXXX website until next day. I knew this claim to be false because previous payments have appeared immediately. I asked XXXX and XXXX to fax me deposit receipts. I must have called between 5 and 7 times. They said they would provide receipts, but they failed to do so. 

After the branch had closed, my deposits appeared in the wrong account. See Exhibit D. Despite the checks all having the account number on their face and despite the fact each check had a payment stub with the correct information on it attached, they deposited my funds to the wrong account. INCREDIBLE! 

I called the Citibank call center and explained that the mis-posted payments would result in me incurring & gt ; {$1000.00} in interest charges which would not be incurred had the branch employees been incompetent. I asked them to transfer the payments to the correct account. They responded that it would take 2-3 days to process the credit. 

I do n't know how Citibank employee compensation works. Could it be that Citibank rewards employees for generating interest income? Could it be that the employees had an incentive to post my clearly-labelled payments to the wrong account? I have no way of determining that. But I do notice that statements arrive later in the month when I am carrying a balance than they do when I am not. It seems likely that Citibank intentionally delays statement mailing to maximize interest charges. 

Back to the current problem : Citibank clearly made a HUGE error here. I need them to post my payments to the correct account effective XXXX/XXXX/16, not two or three days hence. And I need them to reverse any interest charges which appear on the statement which will be generated this evening.

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 2016-12-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, 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:
Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXXXXXX 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 2022-10-12
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, 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:
Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX I was victim of identity thefth. The impersonator opened accounts with XXXX, Best Buy, XXXX Macys & Bloomingdales. At this point only Macys and Bloomingdales have n't take care of the situation, I already have a 30 days late payment affecting my credit. The are not able to provide a claim or case number, on XXXX XXXX I sent an affidavit stating I did n't open the accounts, I have made 27 calls and get different answers, I sent emails, Direct Message via XXXX and nobody can give me an status, everyone is giving the run around. 
I am putting to much time and energy in to this and I am the victim, the failed from the beginning accepting a fake ID to open accounts under my name. The perpetrator is even arrested in the XXXX XXXX Jail system. MAcys and Bllomingdale did n't even provided information, only Best Buy provided camera footage. All Im asking now is at least a temporary credit until they close their investigation, if there is one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting, credit repair services, 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:
I'm missing a credit card that should be on my credit profile it is on my husband 's credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. It's missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by Synchrony Bank

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 2022-03-24
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was placed on student loan forebearance XXXX XXXX XXXX  due to being on unpaid maternity leave. I was never advised to recertify my income to show my loss of income, therefore I lost those payments eligibility for XXXX XXXX XXXX XXXX. 

In adddition, from XXXX XXXX XXXXXXXX I was also placed on forbearance, due to awaiting on the XXXX to amend my taxes from married filing jointly to single so that I could afford an income based payment plan. I was never advised to turn in a paystub instead of wasting XXXX  months of eligible payments. 

In XX/XX/2017, I was placed in forebearance unknowingly while they recertified my income driven plan, again taking away an eligible payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$9700.00} XXXX XXXX ( Original XXXXXXXX XXXX XXXX XXXXY ) XXXX Balance Owed XXXX {$180.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$160.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested for addresses on my reports to be removed that are not correct from all bureaus they have not been removed.

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 2016-07-31
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've used the same AT & T Universal credit card for 15 years. Nine years ago, I was late on a couple of payments due to financial hardship caused when my ex-wife left me. As a result, the credit card company raised the interest rate to 29.99 %. I have since paid faithfully on time each month, and have patiently petitioned them to reduce my interest rate which, of course, they are unwilling to do. 

I complained to CFPB back in XX/XX/XXXX, and the credit card company temporarily reduced my rate to 21 % until XXXX. My rate is now back to 29.99 %. Today I requested a lower rate and was given the same old song and dance : " call us back in 6 months and we 'll see. '' Please help me.

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 2022-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report 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

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 2020-03-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to a recent ID theft incident. I tooks steps to ensure a freeze was placed on my reports at the three agencies XXXX XXXX XXXX Experian XXXX. I had no problem with freezing my report with XXXX and XXXX online. In each case it took less then 15 minutes. 
Experian makes the process difficult and uncomfortable. I was unable to freeze my credit online ( XX/XX/2020 XXXX Instead, Experian requires that I mail personal information ( name, address, social security number, copy of government ID, copy of a police report. ) I find this method overly restrictive and risky. Providing this information thru their online portal was not offered as an option. 

I contacted them by phone XXXX XX/XX/2020 ) but there are only automated services available. 

At the same time, Experian wishes to sell me a subscribed protection package, of course for a monthly fee. ( What a racket!!!!!! )

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 2022-10-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent out this letter regarding my accounts with all three credit bureaus. Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) To Whom It May Concern : I have just received a copy of my credit report. There are multiple accounts that are inaccurate and inconsistent between all three bureaus. Also addresses and phone numbers are not matching the information that I have already provided to you with my social security card, current license and my birth certificate. I would like an investigation done at this time. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Furthermore Im requesting these items for current debts owed if verified correctly : * pay off of debt * Interest rate disclosure * Balance history * Payment history * Credit insurance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina 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 2015-07-20
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was paying CitiMortgage via a Biweekly Advantage plan where I made a partial payment every other week. This program got cancelled. I wanted to continue to pay bi-weekly but I am being told that in order for me to do so, I must call CitiMortgage Customer Service after my second payment for the month and ask them to combine my first and second payment into one payment so that my payment status will change to paid in full and no late fees or other penalties will be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX has engaged in unfair, abusive and unlawful practices in processing a payment. They subsequently failed to conduct a reasonable investigation for billing errors, failed to provide reproductions of documents used to determine the outcome of billing error investigations, failed to disclose my right to request such reproductions. They then retaliated against me as consumer for engaging in protected activities, using tactics including credit discrimination and disability discrimination. XXXX has continued to harm me as a consumer by continuously furnishing invalid and/or unverifiable payment history to the CRAs. The information is invalid and/or unverifiable because the information supplied was generated as a result of unlawful actions taken due to XXXX 's failure to process a payment. XXXX has reported that information using the eOSCAR system claiming the information is correct, yet has been unwilling to provide me with reproductions of documents that support the information supplied to the CRAs. At the same time, the CRAs have insisted XXXX has provided them with the same or similar documentation that allegedly verifies the validity and accuracy of the information supplied to the CRAs, and that attests the information was generated lawfully. Prior complaints with both the CFPB and XXXX are attached. Most recently, XXXX supplied me with a rehash of their alleged investigation ( XXXX ) on letterhead with XXXX ( XXXX ) supporting documents -- this is despite my request for reproductions of any and all documents that supports the conclusions of their alleged investigation ( XXXX ). I cited applicable law and provided the corresponding pdf from the Federal Code. Overall, XXXX is using abusive tactics to avoid transparency that is required, and is harming me by supplying the CRAs with invalid information. They are then sending updates to the CRAs that contain the invalid information. They are then closing out subsequent complaints with the CFPB as a form of retaliation, and refuse to supply reproductions of supporting documents, claiming they conducted a billing error investigation. The CRAs has been more than willing to persist the information furnished by XXXX despite me notifying the CRAs through CFPB complaints of the serious issues involved. Therefore, the CRAs are now knowingly and willfully violating the FCRA. The full explanation and documentation is attached.

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 2015-07-18
Company: Seterus, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX, I requested a loan payoff from Seterus Inc, through their website, which states it will go in my secure inbox within 3 days. They have now taken the three days comment down due to my complaints, so I guess we get it, when we get it now. Anyway, I talked to XXXX on Thursday because it was not there. XXXX informed me that was a mistake and it takes 7-10 business days. She was rude as well, so I complained to the FDIC and called back because think about this, how much money does Seterus make by putting off giving those payoffs in a timely manner based on people 's daily rates? Mutliply all the other customers they do that to. They told my lender they get XXXX requestsa month. That is a lot of sonsuer money. I got XXXX the next time, who lied and said I did n't request the buyout until Monday the XXXX, but she would see that I should get it by Friday morning. I still had nothing, so I spoke with XXXX who saw my original request and she would see if she could expedite it at another 1-3 business days. I got the request later that afternoon. Here it is- XXXX , XXXX XXXX PAYOFF STATEMENT IS SUBJECT TO FINAL VERIFICATIONNext Due Date of Payment : Interest Rate : Current Principal Balance : Unpaid Interest to XXXX XXXX, 2015 : Escrow Overdraft : Interest Arrearage : Escrow Arrearage : XXXX XXXX, 20153.99000 % {$320000.00} ( Future XXXX bill for taxes ) XXXX Open Charges Through XXXX XXXX, 2015 : LATE CHARGES : XXXX Additional Charges Through XXXX XXXX, 2015 : Homeowners Insurance : XXXX ( Homewoners Insurance due in XXXX ) Prepayment Charge : XXXX Suspense : XXXX Expense Credit : XXXX Amount Secured by the Mortgage or Deed of Trust : $ XXXX Cost to Release Documents : XXXX Estimated Payoff amount due as of XXXX XXXX, 2015 $ XXXX payoff statement expires on XXXX XXXX, 2015. 
If you have any questions, please contact us at our toll-free number below. 
Sincerely, Seterus , Inc . 
XXXX notice all the extras like my tax bill, which is n't due until XXXX and my insurance, which is n't due until XXXX. You also include the daily interest and the late payment, which would n't be late if I had gotten the payoff. Now bear with me, I had torequest it again. Are they going to do the same thing where I can never leave them due to poor payoffs? What underwriter can use this? Plus, it appears that if they try to inflate my buyout, it will make it harder to refinance through the XXXX XXXX is a XXXX veteran. Both of us are on the loan. If I am having to leave XXXX in escrow with XXXX bank and paying XXXX for the same for future escrow, that is XXXX in escrow during the transaction for the refinance.

Company response to consumer: Closed with explanation