BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).

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 2022-05-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new

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 2020-04-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Comenity Bank closed my XXXX  credit card without telling me or XXXX clothing store. When I signed on to the Comenity Bank website for the card everything looked fine, and when I placed an order for clothing on XX/XX/XXXX, XXXX had no indication that the card was closed and completed the order. On XX/XX/XXXX I received an email that there was a problem with the order, but XXXX customer service could not figure out what the problem was. They transferred me to Comenity Bank, where the staff said the account had been closed because I had not used it for at least 2.5 years. I looked up my records and told them I had last used it on XX/XX/XXXX. I asked when it was closed and they said on XX/XX/XXXX ( three days ago! ) They then said they are able to close accounts due to lack of use within 18 months. 

This is problem for me as my credit rating is excellent and having accounts closed does not look good on a credit report. I spoke to Senior Credit Specialist XXXX ( no last name ) ID number XXXX. She said the account was properly closed and could not be returned to active status. 

So to recap : account closed without any warning to customer, no indication that account is closed on website used by customer to access account, no indication to store that the credit card is exclusively used on that account is in fact closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: CITIBANK, N.A.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account at https : //banking.citi.com/cbol/checking-tiered-offer/default.htm that promised a {$400.00} reward if {$15000.00} is deposited within 60 days. I've fulfilled all the requirements in order to be eligible to receive the promotional reward. Customer support confirmed multiple times that I met all the requirements and that I would receive the reward. I should have received it several weeks ago but I'm promised " next week '' every time when I contact customer support. I'm very frustrated at this point.

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 2016-08-17
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kept calling my using multiple numbers multiple times a day even after I told them that I did not order services from the place they say I owe money to. I finally got it to stop, by blocking all of their numbers.

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: MECHANICS BANK
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: Investigation took more than 30 days

Complaint:
My car was totaled in an accident.The insurance company was in communication with Mechanics bank. There was a administration lapse of communication between Mechanics bank and XXXX on releasing the check.The accident happened in Florida. Causing XXXX delays in the inspection. Finally I communicated with the bank on XX/XX/XXXX XXXX. It took Mechanics bank another 18 days to get payoff get the administrative delays resolve. They cashed the check 3 days late. I was advised not yo make the payment because it would change the payoff. Ive called Explaining the mistake even the XXXX representative or the adjuster Is willing to talk to them they will not comply. I have never missed a payment or ever been late on anything in my life. To have my car totaled and then for them to add this late payment when its ultimately the insurance company and they are dealings its not fair. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had a Bank of America credit card for over 13 years ( taken over from many more years prior with MBNA ). This card has a fixed rate of 5.9 % that originated from before Bank of America acquired the card. Over time I had acquired a number of rewards points as well which were unused. I have historically had a very good use and payment history. Recently I paid down the card to what I thought was a {$0.00} balance. I attempted to use it recently and it was " declined '' causing me embarrassment and inconvenience. I called customer service and after a 30 minute wait was told the card was closed. I did not ask the card be closed. I was told the reason for closure was a " business decision ''. I was also told there had been an approximately {$29.00} balance on the card for the previous 2 mknths that I had not paid. I never received a bill for the balance nor did anyone contact me via telephone. Because I thought the account was paid off I did not expect to get any billing statements and thought nothing of it. Given my extensive history and good relationship I would have at least expected some sort of contact, even a letter, none of which I received. I believe in fact that Bank of America was looking for a way to get out of a low and fixed rate contract which they would never offer to other clients and made a " business decision '' to close it in violation of the contract ( and keeping me from knowing of the outstanding balance to ensure they had a " reason '' to close it ). They have denied me my reward points and use of a favorable credit card all for their own benefit. I believe the account should be reinstated with the same terms and conditions. Lost money listed is my estimate of the rewards points value. XXXX exact value.

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 2021-12-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX is currently reporting an active line of credit on a closed real estate loan. The direct reporting is with Equifax for a {$37000.00} balance with high credit line of {$39000.00}. This account was closed in 2018 as a result of a foreclosure. XXXX XXXX XXXX was notified of the foreclosure action and failed to respond. The trade line is erroneously reporting which is a direct violation of the FCRA, 15 USC 1681. The FCRA states that accurate, timely and fair data be reported to the credit report. The report with Equifax should read a charged off debt and not active revolving debt with monthly payments due. Moreover, XXXX  never filed a claim on the proceeds remaining as a result of the foreclosure, so the gross amount charged off should be listed as " pending '' or " null ''. The true derivatives of the credit reporting have not been discovered, so consideration should also be made deletion. The California FCRA also addresses issues with their specific law, which means XXXX  is in direction violation of the that civil code as well. I have attached a copy of the credit report for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: DISCOVER BANK
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 response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: GEORGE MASON MORTGAGE, LLC
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
It is widely known in XXXX, Virginia that a Loan Officer by the name of XXXX XXXX spends an inordinate amount of money on realtors and builders on sporting events, fishing charters, etc. There is an undue influence on those individuals to either refer business to him or it ( appears ) is a reward for business sent. This flies in the face of the very reason the CFPB was created. This has been going on for a few years. The community thought his days of this behavior would be curtailed with the CFPB 's visibility and reports of corruption being reduced with heavy fines, etc. However, we 're now under the impression that his " marketing '' is allowable because he continues to flaunt his kickbacks even more. I 'd like to know if what he is doing is permissible or illegal so that competition can be leveled. I happen to be of the opinion that it is not only illegal, but unethical and reprehensible. If, for some reason, his " marketing '' is permitted, we can all benefit from being able to practice the same way.

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: TRUIST FINANCIAL CORPORATION
State: FL
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 opened a new account with BBnT, now Truist. I was traveling. I thought I transferred some funds from XXXX into said account. I made a charge and it went through thus thinking yes I had made said deposit. I returned home form my business trip and realized on Monday that several charges had gone thru with resulting overdraft charges of {$36.00} x XXXX. I was also hit with an additional overdraft fee a week later a s I tried to fight these fees. I reached out to the Truist XXXX line and they could not reverse any of the charges nor turn off the feature allowing me to spend money that is not in my account feature. I then reached out to my banker, but he did not respond. I later went into a branch a week later when I could and found out he had left the bank and I had a new banker. He did not respond to my voicemails or emails even though they were forwarded to him.He also has been unable to reverse any of the charges nor turn off the money I don't have spend feature. Is this legal? I'd like the 6 overdrafts reversed and this feature that allows endless use of funds that I do not have and subsequent overdraft fees turned off on my account. Please help.

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 2017-02-26
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan from Navient. I began paying this loan on XX/XX/XXXX. The original balance due was {$56000.00}. The balance due now is {$53000.00} I have attached my payment history document showing that I have paid a total of {$48000.00} towards this loan since XX/XX/XXXX. My interest rate is 7.75 %. I do n't believe this is being administrated correctly. I feel like I am being taken advantage of and I need help. I have called Navient thousands of times in the past ten years begging for help. Begging for an affordable payment or lower rate and am told time and time again there is nothing they can do. I was unemployed for XXXX recently after losing my job and Navient would n't help me with anything. I was told I ca n't defer or forbear because I did once right after college. I have obtained a new job but am not being paid much and I can not afford this loan anymore. I have fought my whole life to maintain my good credit but I am at my last stand here. If I ca n't get someone to help me with this I will give up and stop paying it. I am a responsible hard working person who made a mistake when I was XXXX taking out student loans. I did n't realize how corrupt it was. I do n't feel it is fair for them to ruin my credit and my life. I 'm XXXX and i was forced to move into my parents house. I have racked up credit card debt because I ca n't afford to live with this loan and my federal loans. I am begging for help with this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byBANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Bank of America over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank.

Company public response: Company 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: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My experience with Citibank has been awful. About two weeks after I opened a few accounts with them : Personal, Business, and a Joint checking with my husband. Every account was suddenly blocked. 

I spent my whole Saturday morning on the phone trying to figure out what happened and got nowhere. I ended up going to a branch Monday and after much research we found it was due to a check I deposited. My neighbor wrote my business a check for services and Citibank determined this to be a fraudulent check without even reaching out to my neighbor to confirm. My neighbor is also a Citibank customer. My neighbor went to the branch to confirm that it was him that wrote the check and it was in-fact valid. It tooks days to finally get access back to my funds and accounts restored. 

Between then and now I've had issues transferring money in where the transfers will not go through. 

But today, XX/XX/2021, I login to my Citi account and notice that my Savings account is showing " Blocked ''. I just opened this account recently. 

I then logged into my joint checking and noticed that this account shows " Blocked '' as well. 

I call up and I'm told that the account was blocked and I will be mailed a check with any funds that may be present within 90 days with no reason given whatsoever. They said the local branch will not help me either. NOT COOL! I just switched my direct deposit to the XXXX account and now I am not going to receive my holiday bonus and regular paycheck right before XXXX. 

I switched to Citi on the recommendation from a friend, since I switched from XXXX to Citi I have had so many issues and it's caused me stress on a daily basis.

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 2015-03-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I mailed and faxed a complaint to Equifax back on XXXX XXXX, 2015. I have yet to receive a response and have provided them with proof that the company that I 'm disputing is no longer in business. I would like the account in question removed from my credit due to FCRA violation of not investigating within a timely manner and the fact that the account is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : TransUnion : 1. XXXX XXXX Date : XX/XX/XXXX 2. XXXXXXXX XXXX Date : XX/XX/XXXX 3. XXXX XXXX Date : XX/XX/XXXX 4. XXXX XXXXXXXX XXXX Date : XX/XX/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 2020-04-14
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: Personal information incorrect

Complaint:
The credit report I received from Experian has the wrong name an information.

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