BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-17
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I Recently purchased a refurbished XXXX beats laptop from Sears.com using my Sears credit card. i received the laptop with a password on it. i called sears the next morning and told them that i had received it this way, and they told me that i had to call XXXX and register the laptop with them. I tried to explain to the rep that THE LAPTOP WAS LOCKED, and she then told me to give her a minute so that she could speak to a manager about it. she came back saying that she had to call the sellers of the laptop. i waited approximately 5 min before she came back to me saying that they were n't answering. I then told her that i all i wanted was a return label, and a refund she told me that she would speak to her manager again about the situation. She came back saying that she would send me a label. i waited 3 days to receive an email. i never did so i called back and they said they had to file a claim with the seller, and that they would do it for me. a few days later i received an email stating that they were n't going to take it back due to their no return policy. i immediately called sears and they transferred me over to the claims manager whom told me that she would again contact the sellers. I just want a return label for the laptop i no longer want it. its taken almost a month and still no solution

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 2016-07-31
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last several months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within a few days of my statement ending in XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed my eligibility. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel the marketing of this promotion was highly misleading. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, 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 2017-10-11
Company: EQUIFAX, INC.
State: MO
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 had a XXXX bill show up on my Equifax credit report. I called XXXX they said it was not my account. I filled a dispute with Equifax. They said the did an investigation and it came back it was my bill. I called XXXX they say the account number does not belong me. They also told SS # does not match any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: WELLS FARGO & COMPANY
State: NJ
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:
To whom it may concern : The dates of XX/XX/2019, XX/XX/2019, XXXX, and, XXXX I was given late payments by Wells Fargo Dealer Services for a car, and they reported this to the Consumer Reporting Agency. I had disputed this information previously that the information was incorrect and that it needed to be changed but to no avail.I even provided documentation of a Notarized Letter that was signed by individual pertaining to get the late payments.

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 2016-01-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
I am once again reaching out and requesting your immediate attention to yet another credit reporting problem. I stated reaching out again because it had been well documented from XX/XX/XXXX, to present date, I had to fill numerous complaints against Macy 's in regards to your discriminatory credit reporting practices. 

I am in receipt of the attached XXXX report number XXXX, dated XX/XX/XXXX, and discovered the following reporting problems which XXXX is placing the blame on Macy 's : 1. The FCRA requires creditors to provide their name address and telephone on the credit report to allow consumers to dispute inaccurate information directly with the creditor. 

Please note the number ( XXXX ) XXXX, Macy 's is listing on the report does not provide contact with Macy 's but is a telemarketing number, which not only blatantly ignores the law but selling products while doing so takes arrogance to a completely new level. 

2. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XX/XX/XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month on both accounts where is the data from XX/XX/XXXX to present? 



3. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and shows no data on the account prior to XX/XX/XXXX, how is this possible when both accounts had been established since XX/XX/XXXX? Where is the data and why was this reporting information being withheld from XXXX? 

4. The credit limit on both accounts is {$3800.00}, on each account why is the credit limit on the XXXX, credit report listed at {$2500.00}, which is showing an inaccurate credit to debt ratio and lowers my credit scores. 

5. Account # XXXX, listed as no data available on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, how is this possible when payments are made each month, where is the data from these months and why is the information being withheld from XXXX. 

6. Account # XXXX, is showing items as of date reported XXXX/XXXX/XXXX, date of last activity XXXX. The report was pulled on XXXX/XXXX/XXXX, how is this possible when payments are made each month where is the data from XX/XX/XXXX to present and why is this information being withheld from the credit reporting bureaus? 

I would like for your credit reporting department, your new banking/credit card company and the Executive Office to take a very close look and fix the above-mentioned items immediately. 

I want Macy 's to make sure this information is corrected with all three credit bureaus within ( 30 ) days. Failure to do so will result in immediate legal action. 

Sincerely, 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 2015-10-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a client of Citibank. I was notified that from XX/XX/XXXX on I would be charged a maintenance fee in my account ( " basic '' type of account ) if I did n't have a balance of {$1500.00} ( I was a student before and I did not have to pay fees ). My average balance since XX/XX/XXXX has been + {$10000.00} a month ( which corresponds to the minimum balance needed to waive fees from " premium '' accounts XXXX. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was charged a {$25.00} fee for maintaining the account. 
I called Citibank today and they waived the charges as 1 ) I had enough balance to waive all my fees 2 ) I was not a " premium '' customer but " basic ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have had a Best Buy credit card since XXXX XXXX and have always had an excellent payment history. Over the years, I have spent XXXX dollars at Best Buy. 

In XXXX XXXX, I paid off my balance of {$10000.00}. In XXXX XXXX, XXXX XXXX renewed a protection plan for a computer we no longer have and that I was unaware was being charged. Since my Best Buy account was paid off, I had n't received a statement in months, and had in the meantime changed my email. So I was not receiving notices sent to the old email. We received automated calls from Citi, but as there was never a person on the line, we assumed they were another sales call. 

I did n't become aware of these charges until Apr XXXX when checking my credit report. By this time, with several months of late fees added, my balance was {$170.00}! I was sure that having been an excellent long-time customer of Best Buy, I would have no problem having these changes reversed once it was explained that I never received any of these statements. I was told by Citi to contact the XXXX to have their charge reversed, then they would review late charges. When I contacted the XXXX, the rep said she could n't reverse the charge, and she was extremely unhelpful. Despite repeated requests, she refused to let me speak to a manager or anyone else who might be able to authorize having these charges reversed. Even though I was upset with the way I had been treated, I decided to go ahead and pay the charges so as to keep my Best Buy account as well as to protect my credit rating. Within a day or so when I was able to go online to make a payment, I found that my account had been closed. I was never informed that this was happening. I have enclosed attachments showing the statements in regard to the above figures. 

I have been an excellent Best Buy customer for years and am very upset and shocked at the unfair treatment I received from Best Buy. It is unbelievable to me that they would be willing to lose such a good customer over {$32.00}! This has had a very negative impact on my credit rating. I am hoping that you will review the circumstances surrounding this incident as well as my previous record with Best Buy. I am hoping, at the very least, to have this record removed from my credit report. 

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 2016-06-18
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In the XX/XX/XXXX I applied for a CitiGold checking account with CitiBank. They were running a very attractive bonus offer : XXXX XXXX XXXX miles for opening an account and spending {$1000.00} on the corresponding debit card AND using their billpay option for XXXX months straight. They even allowed the initial deposit to come from a credit card. Over the course of the XXXX months after opening this checking account I met the terms of the offer AND used secure messaging and at least 1 phone call to their customer support to make sure I was qualified for this offer AND that I had met the requirements. I was assured in both cases that I had. 

The terms required " up to '' 90 days after the statement close on which requirements were met for the points to post. That was around XXXX/XXXX/XXXX for me. No points. In fact, NOW Citi 's customer service is opening " research cases '' that seem to be taking weeks to complete ... what research is needed is beyond me. I am currently on my second pass, the research case is now " escalated '' and I 've waited XXXX weeks with no word. In the meantime, Citi is happy to charge me {$30.00} a month in fees for this account. I 've paid XXXX fees so far and am working to NOT pay another fee on XXXX. 

To be fair, the fees were part of the agreement. However, so was the XXXX miles bonus which Citi is not rewarding. Even better is the length of time it is taking these " research cases '' to complete, all while Citi is charging {$30.00} a month. 

I am sorry I was lured into this offer and I will never trust a deal from Citi again. However, I am positive I am due the promised award of XXXX miles and this is the focus of my complaint. What kind of scam is this, particularly when the CSRs are telling you you are good to go ... until it 's time for them to ante up? 

I will close this account and several other accounts I have with Citi. After many years of doing business with them, I now can not trust them. But I still want the promised bonus particularly since I did all of the work to meet their published requirements with the CSRs coaching me along the 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 non-monetary relief
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.

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 2021-06-30
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: Investigation took more than 30 days

Complaint:
I wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of this companies has responded.

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 2016-05-17
Company: CITIBANK, N.A.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.

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 2017-01-07
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Victim of identity theft, numerous accounts opened in my name. Please close account, do not send new cards, and remove account off of all XXXX credit agencies. 
Citibank was asked to close all accounts in XXXX XXXX, remove all e-mail communications, and continued to send numerous cards and account numbers. All accounts disputed. I opted out of arbitration with Citibank after receiving a letter from them stating it had to be done by XXXX/XXXX/XXXX. I sent an Opt Out of arbitration on all accounts on XXXX/XXXX/XXXX and received documentation from Citibank that out of XXXX accounts addressed out of XXXX that XXXX account did not meet the criteria for Opt Out because it was received after their deadline, when all were sent on the same day. I have sent FCRA documentation with identity theft report, police report, and documentation of identified Banks that had closed accounts. I received a Collection letter originating from a Citibank account ending in XXXX that was sent XXXX XXXX, XXXX from a XXXX XXXX XXXX. Then, I received a letter from Citibank that was sent regarding the same account that was sent XXXX XXXX, XXXX that stated that if I did not contact them by XXXX XXXX, XXXX the account would go into collection after I had already received a letter from the XXXX XXXX XXXX on the same account. I still get e-mails about accounts I have no idea what they are after requesting no e-mail communication by Citibank. Privacy settings were changed through Citibank when I never initiated anything online. Citibank continues harassment and intimidation.

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 2017-02-22
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I have a " Costco Anywhere Visa Card by Citi ''. The card is advertised as being " cash back ''. However, the they do not provide " cash ''. Apparently they send a Costco voucher per their customer service department. I say apparently as they only send this voucher one time per year, in arrears, of course. This Costco voucher can only be redeemed at Costco while cash can obviously be used in many other ways.

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 2016-11-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I was scammed on the internet by a skin care company, intending to order " free samples '' with a shipping fee. They sent XXXX products and charged my credit card nealy {$200.00}. When I realized that, I immediately returned the products unopened and unused with tracking numbers, etc as directed with all the appropriate numbers that the company required.. I disputed the charge with ATT Visa and they issued temporary credit to my account. Then they removed about half of the credit, believing the response from the disreputable company in spite of my furnishing them with documents proving that I had returned everything that I had received. I ended up paying ove {$100.00} for nothing due to the scamming by the disreputable beauty care company and ATT Visa 's poor handling of my dispute, I had been with ATT Visa for 23 years and had never filed any disputes. I have subsequently closed my account.

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 2017-03-15
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

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