BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S.
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one.
Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven.
P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit  from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.

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 2017-02-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: FL
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: Was not notified of investigation status or results

Complaint:
After no response from my written request to XXXX XXXX to show any contract I have with them. I wrote experian asking to send me the written authorization to place an account from XXXXXXXX XXXX for {$130.00} on my report. 
No reply from either company is continuing to hurt my credit as a federally protected consumer.

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 2021-12-22
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive a notice of debt owed or any bills or letters about an account that XXXX claimed I owe. I noticed the account on my credit report and I sent a certified letter XX/XX/2021 requesting the alleged debt that is reporting to my credit report be validated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX did not provide me with any documents or information to validate the account. 

First thing I need to see is an agreement with your client that grants you the authority to collect on this alleged debt. I need this information below as requested. If you can not provide ANY of these requests for you to legally report and collect for this account : The account name is XXXX XXXX Account # XXXX Agreement that bears my signature of alleged debtor wherein he agreed to pay the creditor. Alleged account number and address on file for alleged debtor. Name and address of alleged creditor. Name on file of alleged debtor. Date of original charge off or date of first delinquency of the alleged debt. The exact amount of the alleged debt. Date this alleged debt became payable. Verification or proof that this alleged debt was assigned or sold to collector Complete accounting of the alleged debt. Were any judgments obtained by any creditor regarding this alleged account? Any insurance claims made by any creditor regarding this alleged account. The commission for debt collector if collection efforts are successful and paid.

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 2016-08-08
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had an apartment back in 2013, after that I had XXXX more apartments and after attempting to move, my new apt . complex stated that I had a previous debt. I did not know about this debt and I contacted the apt . complex I had in 2013, that same day I paid my debt with them since the leasing office stated that I needed to pay them. Then my new apt . complex proceeded to tell me that I needed to pay National Credit Systems, so I called and I faxed the invoice that my old apt complex gave me. NCS stated that it would take 3 business days to process and send me the letter stating that I paid. I call and call to verify about the fax and they never answer, on the meantime I cant move in to my new apartment because they need the letter from them. I left a voicemail and I have n't gotten any reply, they never contacted me about this debt before and it suddenly came up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: CITIBANK, N.A.
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in XXXX XXXX because I had received a promotion from CITI to receive XXXX bonus Aadvantage miles after completing certain requirements which I met back in XX/XX/XXXX. I contacted Citi in XX/XX/XXXX to confirm the offer and was advised I did have the offer on my account. The offer required the use of their bill pay service for 2 months and at least {$1000.00} in purchases on my debit card which I completed XX/XX/XXXX. 

I then reached out to Citi on XXXX XXXX and was advised ( see attached conversation w/ customer service online ) that I had met the requirements and confirmed in writing that I would receive the XXXX bonus miles w/in 90 days. 

XXXX XXXX, I had still not received the miles and so I reached out to Citi ( see attached email letter from Citi ) and was advised that once again Citi agreed that I had met the requirements for the offer and that I would have the miles by XXXX/XXXX/XXXX. 

The miles never posted to my account and XX/XX/XXXX I was advised that I need to wait another 30 days for the posting. I then recontacted Citi XXXX XXXX when the miles still did not show up in my account. 

I have now received a letter from Citi stating that I never had the offer on my account in the first place and that they will not honor it. I had confirmation multiple times from Citi that this offer was on my account and that I had fulfilled the requirements of this offer. I have also been charged {$90.00} in monthly service fees since completing the offer even though Citi is not fulfilling their commitment.

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 2021-12-22
Company: Synovus Bank
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/21 I paid off my mortgage with Synovus Bank. I was told to expect a payoff letter within 60 days. I did not recieve this letter and called on XX/XX/21 to check the status. I spoke with XXXX XXXX who said she would email it to me. Still did not recieve it and left 2 messages in XXXX and another on XX/XX/21 to notify XXXX XXXX and asked for a return call. XXXX XXXX does not respond, I called again on XX/XX/21 however this time to XXXX. XXXX stated that she would send a message to the mortgage department and someone will call me. I am continually being ignored by this company and I still don't have my payoff letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have proof that Wells Fargo received a letter from me requesting to verify and validate an alleged debt that came from my social security card. They also received a cease and desist along with this debt validation letter on XX/XX/XXXX. Wells Fargo then sent a 3rd party company ( that was not included any where in the initial communication ) to take my vehicle on XX/XX/XXXX. Wells Fargo then sends me a letter, that I received on XX/XX/XXXX. This letter was titled " Notice of our plan to sell your vehicle ''. This was the first time I had heard anything from Wells Fargo since my original letter was received 41 days prior. I have called Wells Fargo multiple times between XX/XX/XXXX and XX/XX/XXXX, and talked to a case specialist by the name of XXXX XXXX, who harrassed and lied to me multiple times ; I have evidence of these interactions. Since then I have filed complaints through the XXXX  OCC, and FTC. Wells Fargo has replied after the repossession letter addressing my concerns of their violations on XX/XX/XXXX. The letter they sent me had false and misleading information and they still failed to validate or verify this alleged obligation, while confirming they have received my original letters on XX/XX/XXXX. I have also stated their violations of the FCRA, TILA, and my right to privacy in affidavits as well. I have yet to this day, XX/XX/XXXX, received a proper response from Wells Fargo, yet they have continued to steal my property, share my private information without my consent, and neglect my rights as a consumer. Wells Fargo continues to send me the same letter, even after being presented with violations and new questions.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft. Thank You. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CHild Support

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 2020-04-14
Company: Experian Information Solutions Inc.
State: TX
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:
My account was placed in a forbearance during the time that XXXX XXXX reported late payments in 2017. Reason being, my other loans were being consolidated into this loan. I have attempted to get them to remove the derogatory remarks from my credit report and they acknowledge that my account was in forbearance but are unwilling to remove the derogatory remarks showing 4 late payments in 2017 specifically, XXXX, XXXX, XXXX, and XXXX of 2017.

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 2017-03-08
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received the attached letter from Citibank regarding their mortgage refund program related to our mortgage we had with them in 2006. They are now giving us the paperwork run-around while trying to claim our refund. When I called the number listed in the letter about questions regarding the documentation and process requirements, the ( 3 ) people who answered my call had no idea what I was talking about. Citibank was ordered to refund cash strapped homeowners when the housing bubble burst and now they are making it next to impossible to get our refund! I 've attached the letter in question for your use.

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 2021-12-22
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXX I received an email regarding a replacement card that was sent to me. I immediately called the bank as i did not request a replacement card. The representative that I spoke to on that day indicated that a new card was being sent because there was a new feature that was added to the card. She indicated she could activate the card for me to which I responded no, because I had not yet received that card. Towards the end of XXXX I logged on to my account to pay my bill and noticed that they were several charges on my account that I did not do totaling over five thousand dollars. I immediately called and informed the bank about the charges and requested that the card be closed and a replacement and to be sent VIA XXXXXXXX, with signature required at delivery. Please note that I still had my original card in my possession and had not received the replacement card that was sent earlier in the month. The card I requested to be sent to me via XXXX was received. An investigation was allegedly done by the institution and they are accusing me of making those charges. I will state for the record that I never received the card neither did I activate the card or make those purchases. I have requested proof that I made the charges and no proof was provide. I was told that nothing else can be done.

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 2022-05-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled up my credit report and realized I'm a victim of identity theft. I seen XXXX unauthorized inquiries from XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: MARINER FINANCE, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Levied my bank account twice without notice and put me behind on mortgage car payment and other bills put me out of work and way off track

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 2017-01-17
Company: CASHCALL, INC.
State: VA
Product: Payday loan
Issue: Can't contact lender

Complaint:
I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Bread Financial Holdings, Inc.
State: FL
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:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COMENITY BANKXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: Professional Recovery Management
State: MS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collector called me twice but never sent me anything in writing letting me know how to pay my debt or giving me the right to dispute. An email was sent to me on XX/XX/2016 and that is the only communication I have had with them in writing. They have filed this collection on my credit report. This has had a negative impact on my credit score that I have worked so hard to build and I believe they should rectify the situation and take this off of my credit report. When we spoke on the phone, I was told that the originator creditor did not have my current address and instead of trying to receive it, they turned me into collections. This was very unnecessary considering I had my child at the XXXX hospital and ever though the creditor and hospital are XXXX separate entities, they could have exercised due diligence and found my current information without messing up my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX 2015 my father died. Consequently I incurred a lot of funeral and death related expenses. I paid {$5500.00} on my account. An error was made and Citibank tried to retrieve {$6500.00} and my bank said there were " insufficiant funds ''. Citibank did not inform me immediately of this and tried to retrieve the {$6500.00} two more times. Again NEVER informing me via email or otherwise that my bank had not paid. On XXXX XXXX I realized the error and Citibank told me to pay. I immediateIy paid {$12000.00} on XXXX XXXX, 2015 ( clear XXXX ) and a further {$3500.00} on XXXX XXXX, thus paying off my ENTIRE balance. I was originally told that I would be able to use my credit card once I made the payment and did everything they told me to do. please note that I was NEVER behind on a payment, my intention was to simply pay down the balance. 

Citibank unjustly closed my account based on what is clearly an error, and clearly their error. Their letter ( attached ) states it was closed after several " mulitiple returned payments ''. yet there was only XXXX payment returned and they failed to immediately inform me. ( I had signed up for electronic alerts ). This has caused a snowball effect : I no longer have any credit cards ( this was my only credit card ) and they have unfairly reported this to credit agencies saying my account was closed due to unpaid balance. This is completely unfair and I believe illegal because I 've NEVER EVER had any unpaid balances or late payments with Citibank. 

I would also like to point out that Citibank failed in their duty to protect and help me as a traveller. In fact, when I was made aware of the returned payment problem, i was in XXXX XXXX DURING THE TERRORIST ATTACKS. I had purchased my ticket using my Citibank XXXX Mastercard that had travellers ' protection. They closed my account while I was stranded in XXXX during the terrorist attacks that occurred XXXX XXXX 2015 and Citibank closed my account and would not help me. I would also say they took advantage my father 's recent death because they knew that the expenses incurred were primarily from the funeral. ( see Citibank statement XXXX XXXX XXXX funeral home. Also note that expense there after, housecleaning, flowers, etc are all linked to my dad 's funeral ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief