BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Macy 's American Express card was stolen and someone charged dozens of XXXX gift cards on it over a period of two months. This occurred last year and I have spent nearly a year trying to have this fixed. I have been told repeatedly that I now have a zero balance ; however, I have begun receiving calls from Collections Agencies stating that I have an outstanding {$840.00} balance on this card that has been closed for nearly a year. I am trying to buy a house and this has negatively impacted my credit score that I worked extremely hard to maintain. Today, XXXX/XXXX/16, I have been on this call for XXXX minutes and have spoken to nearly XXXX different people, all telling me different things. I have been transferred to multiple departments and people to whom I need to re-identify and re-explain the situation because they did not do so on their end. The most recent person told me that the {$840.00} balance is comprised of late fees and missed payments from the charges I never made.

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 2016-09-01
Company: CITIBANK, N.A.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed a payment by oversight. When they called, I told them the date I would pay. I paid the required amount on the date I had told them. However, they continued to call me. i paid on Friday XXXX but they called me 7 times on Sunday XXXX. Each time I answered the call it hung up - robo calling harassment. They called me three more times on Monday and eventually had someone on the line when they proceeded to ask me awkward questions for someone who is a working professional caught on the phone in their office.

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 2015-04-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Integrated Recovery Services
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A company by the name of Integrated Recovery Services, with a business address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, has contacted me and my place of employment several times a day for the past 2 days (XX/XX/XXXX & XXXX, 2017 ). I returned their telephone calls on multiple occasions telling them that I do not want them calling my employment, and they told me that it was " automated '' and " too bad ''. The automated message leaves a " sketchy '' message about trying to locate me, and wanting verification of a current address, wages, and my liquidated assets. Quite intimidating, and quite ridiculous when you know that they are a scam business that buys old debt for pennies on the dollar, and try to scare you into thinking that they are attorney 's and are going to send you to jail. I am aware of the old debt that they bought. However, I do not want them calling my employment, which I am allowed to have stopped, and they refuse. They are " bullies ''. If they try to pull their antics on naive or older people, they may just scare them enough to hand over their account numbers. I know that they have had many complaints filed against them, and it would appear it does nothing to stop them. They also told me they would contact everyone I know, because they can. And that " they are NOT going away ''. They have hung up on me 4 times, and immediately called my work and phone again, with the automated message. This " business '' needs to be handled accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax improperly lists a tax lien for which the filing was *withdrawn* ( not just released ). 
Under the IRS XXXX XXXX program, the item should be removed from my credit report. I filed a dispute with Equifax , and attached the withdrawal notice ( IRS Form XXXX [ Withdrawal of Filed Notice of Federal Tax Lien ]. The ( terse ) response from Equifax indicated that some database they use was still reporting the filing of the lien. Their response did n't address the fact that the filing had been withdrawn, as evidenced by the notice I attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX I purchased an item online using my Citibank Mastercard. The seller did not have the item in inventory at the time of purchase but told me they would within a month. Two months later I still did not have the item and so filed a dispute on the charge with Citibank and they provided me with a conditional credit. The item then arrived a week later. When I authroized Citibank to reinstate the charge they charged me twice for the item. In several email and telephone contacts with them I was repeatedly assured the duplicate charge would be reversed yet they have not done so and I feel I have nowhere else to turn.

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 2016-08-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer makes the requirements, we are supposed to receive XXXX in XXXX XXXX points. I made the requirements, and even confirmed with a representative of CitiBank that I was supposed to receive the points by the end of XXXX. I have not received the points yet. I made multiple attempts to ask Citi to honor their agreement, but to no avail.

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 2015-08-22
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
NCO Group performed a hard inquiries to my XXXX credit agencies without my knowledge or permission. This impacts my credit. I want it removed. NCO Group XXXX, La XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account has been permanently XXXX. According to XXXX rules, the funds in the account need to be retained for 180 days and then the withdrawal will be notified by email. I received the withdrawal email, but I still can not withdraw. I contacted XXXX customer service many times, but the problem has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In 2015 I noticed a collection action on my EQUIFAX credit report which I disputed to no avail. I complained to the XXXX XXXX XXXX XXXX XXXX XXXX ( attached ) and received a response from a debt collector ( attached ) resulting in the debt being removed. 
I notice that an incorrect Social Security Number, XXXX, is reported on my EQUIFAX credit report and I believe that it appeared in conjunction with the erroneous collection action. 
I need the incorrect Social Security Number, XXXX, removed from my EQUIFAX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX, 2015, I opened a new credit card account at Macy 's Dept Store. The purpose was to take advantage of attractive savings and discounts that I could use immediately upon signup. The account quickly deteriorated into a matter of Macy 's demanding payment for balances I had paid and, therefore. did not owe. The situation is made worse by the collection agency continuing to assign new penalties and interest. 

Payment was remitted for the balance on the first statement I received from Macy 's, and credit was properly given to my account. Payments for the balances on the second and third statements, however, were not credited and penalties and interest are accruing on the balance that they say I still owe. I have tried to contact them via the phone number they referred but the persons I talk to are unable to help ; apparently all they are able to do is arrange payment. They would tell me only that they live " off shore '' and that they do not have access to files other than the statements ( which I have already received! ). They recommended that I put my case in writing and mail it to an address in XXXX, Ohio, but, when I did, they responded by asking for a payment for the latest statement amount. 

There are XXXX dynamics that are worth mentioning here : 1. I pay by check in order to avoid the confusion that is at play here but, as you know, banks are able now to destroy my check and transform the payment into an electronic transaction. The receipt of payment that my bank receives from the factor is a " bank trace '' giving what is hypothetically the essential information for identifying a payment. There is no paid, or " cancelled '' check returned to my bank. 
2. The Macy 's credit card is issued by Citibank ( aka : Citigroup, Citicorp, etc. ). Citibank immediately sends the receivables to its factor Department Stores National Bank. 
Because of my inability to converse with a person who can research thoroughly my account, I am " incommunicado '' with DSNB. Meanwhile I am being bombarded with robocalls several times a day ( except XXXX and XXXX ; one must have a weekend break, you know? ) requesting that I call a certain toll-free number and arrange payment. 

May I please have your assistance in having this matter straightened out? I will be willing to have this published because, as I understand from chat rooms and social media, Bloomingdales and other stores use XXXX as a factor/collection agency and my experience can be used as a caution toward anyone who opens up a credit card like this.

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 2016-11-16
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I received an expired refund check with my name misspelled and wrong address from Paymap Inc. representing XXXX form agreement between Paymap Inc. and the Consumer Financial Protection Bureau ( CFPB ) Agreement for program fees paid between XXXX XXXX, XXXX and XXXX XXXX, XXXX. Consent Order XXXX File No. XXXX. 

I was instructed to call XXXX and was directed to email XXXXXXXXXXXX for my refund concerns. The automatic reply was : The deadline has passed to request a reissued check. If you have any additional questions to call XXXX and not to reply to email. I called XXXX back and was directed to same process without resolution from customer service. 

Unable to get resolution, I went to search for expired check repayment policies from paymapredress.com website Commonly Asked Question : My check is expired/I lost my check. Can I request a new check to be be issued? Answer : Yes, please contact the XXXX XXXX Customer Service Center at XXXX. You can also request a reissued check by sending an email to XXXXXXXXXXXX. The website did not specify a deadline for check re-issuance which is not consistent with the e-mail reply I received. The solutions offered by Paymap were vague to have check re-issued to me, this is the reason why I had to file a complaint with CFPB to assist me with this reimbursement issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an off from Citibank in XX/XX/XXXX ( offer XXXX ) that offered XXXX AA miles if I opened a Citigold bank account and met certain spending criteria which I met. I received a message in XX/XX/XXXX from XXXX XXXX confirming that I met all of the criteria and that the XXXX miles would be credited in XX/XX/XXXX. That never occurred. When I sent a message today, XXXX XXXX responded that, despite her prior email, I was not targeted for the promotion and would receive the XXXX miles even after confirming that I would receive them. The fact is that I did receive an offer being a Citibank credit card holder. I fell that this is a bait and switch scam and in bad faith. Please investigate this fraudulent offer and help with a resolution. Thank you.

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 2015-10-20
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XXXX XXXX, 2012 our home was short sold. Citibank was included in the settlement. I have the final hud statement proving that. For every month after that they have marked the account as a 30 day late for the past 2 years. We have filed a dispute with the credit agencies, we have called Citi directly, they do not have a department we can call and they do n't have anyone we can email for fax. We were required to mail in copies of our hud and a letter and were told eventually someone will get in touch with us. We do n't have a reference number or any way to follow up. This has been going on for 5 months. This has prevented us from purchasing a home and has drastically affected our credit. The false information is preventing us from being able to proceed with our lives! The agent on the phone stated we are not the only people this is happening to. How many people are they running in circles??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander consumer usa has super high interest it seems payments never go to the principal balance, when you call customer service wont help at all they just want a payment. Late fees are ridiculous and charging fees to make payments are extra high.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a new Citigold Interest Checking account with a promotional code for XXXX AAdvantage bonus miles on XXXX XXXX, 2016. The promotional code was accepted and included in my Welcome Packet from Citibank. I met all the terms of the promotion, and called several times to confirm this directly with Citibank The customer service representatives confirmed that I had met the terms of the promotion, and I simply had to wait for the miles to post. Many months passed, but I did not receive the miles. I called Citibank again in late XXXX, and the CSR told me that Citibank had " run out '' of miles, but she would open up an investigation and I should hopefully receive them soon. Still, I heard nothing, so I called again about 2 weeks later, and had them resubmit the dispute. Finally, I heard back from Citibank via a digital letter, who now, all of a sudden, claimed I was not " eligible '' for the promotion. I called Citibank yet again, and a CSR echoed what the investigation said, even going as far to claim there may have been a " glitch '' in the system when I applied for the account. This is despite the fact that Citibank accepted the promotion code, printed it in my welcome packet, and then I had many different CSR 's confirm with me that I would indeed receive the promotion. I believe this entire situation has been quite troubling, deceiving, and unethical on the part of Citibank.

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 2017-03-21
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Costco Wholesales in XXXX XXXX offered a Credit Card with XXXX XXXX. I had the credit card for years without any problem. Costco decided to change their agreement to a Citi Card and to send a new credit card over mail. I received the letter that they were changing to Citi and I had no interest into using the new Citi Card provided by Citibank, so I cut the new card ( broke it ) and throw it to the trash. As the card said : " Call XXXX XXXX to activate your card '', and I had no interest into activating that card, I never called for activation and I never used it. I expected the obvious to happen : that having no activation in the card ; No One was authorized to charge anything to that account ; I never authorized it 's use! It 's my credit and only I am entitled to authorize its use! Surprisingly, Costco charged it 's annual fee to that account, and instead of Citi telling Costco that there is no active account because I never authorized the use of that account, Citi is making me liable for such fee plus their charges! -- So convenient for them to charge fees on an account that I did n't even know it was unfairly and abusively activated. So I complained to them, they said they close everything, and now I just received another letter that after their investigation, they are reopening the account and charging me. Can you help me understand my rights? I believe this is at least unfair, deceptive and abusive. If I never activated such credit card, how am I supposed to be expecting to pay them any bills?

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 2015-07-19
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Address that was not mine was listed on credit report. XXXX card was activated under my name and address was changed by XXXX. Charges that I did not make appeared on my statement with this address. Reported to XXXX and they closed account and is investigating. Want address off all credit reports. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MN is not my address or has ever been my address.Please see if you can please remove so other credit cards can not be applied with this address. will have paper work to attach as soon as I get from XXXX but would like this on record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: Mitchell Rubenstein & Associates, P.C.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation