BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-11
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Home Equity loan with Citibank. I have had it since XX/XX/XXXX. In XX/XX/XXXX I had to file bankruptcy. However Citibank was not included in the bankruptcy. After that it became very difficult to make my loan payments. In XX/XX/XXXX I filed a complaint with CFPB and the trouble stopped until about six months ago. Again I called to make my payment ( the same payment I had been making since XX/XX/XXXX-no problem-they took my money ) and all of a sudden I can no longer pay because I filed a bankruptcy. Well I do n't understand what the difference is now and the last XXXX years when they took my money and did n't give me the run around. By run around I mean the XXXX phone numbers they have given that are all bad numbers. Each time I called them I was told that they did not have my account-once again because it was in bankruptcy-these are the numbers : XXXX, XXXX ( by the way this is listed as their bankruptcy dept. number ) XXXX, XXXX ( this had been the only good number up until now ) XXXX. These numbers are all not able to take my payments. Last time I had the misfortune of dealing with a XXXX XXXX, Default Executive Response Unit Manager. He was extremely rude and not helpful. Because he called during the day and I was at work, he said that he had tried to reach without success therefore this matter was closed. I had called him back only to receive an answering machine and left messages. He finally called back but was very non-helpful. All I want to do is make my payment once a month by the XXXX of each month. I do not understand why they are making this so difficult once again. The way I see it if no one can find my account then I must not owe any money, but I 'm sure that is not the way they will perceive it if I stop paying them. Please help me to remedy this situation. I 'm just trying to pay off my loan. 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 2022-11-12
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank checking. I deposited a refund check from the department of education issued by the department of the treasury. They accepted my deposit cashed my check to themselves closed my account banned me from their website so I couldn't access any help and in just a few words they called me a thief a liar a fraud they never called to verify the check. The check is good I have contacted the department of Treasury department of education even the department of Justice I did every single thing they asked me to do I even went to a office here that I had to pushing a code to get inside, the code that gave me didn't work they refuse to let me in or speak to me and basically on the very last phone call I made they quote said " we will never ever ever pay you your money '' I spent countless hours the hold times are 4 to 5 hours I would have to actually leave work early an hour and a half early so that can get on the phone and try and contact these people that they they said that they they had proven it was a fraud you in check which is absolutely not I verified it through the department of education 10 times they called me a criminal they refuse to buy their own policy they're supposed to give me my money within 60 days mailed back to my my home address they refuse they have been very nasty to me and it's my money that was issued from the department of education and I want it I will not allow them to XXXX me they have acted in a criminal manner please please help me this is literally caused so much damage to me and my XXXX I'm over XXXX XXXX XXXX and they are taking advantage of me. Please forgive any typos it's such an emotional issue I'm in tears.

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 2015-04-13
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX* Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2016-10-08
Company: CMRE Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I filed a compliant on the CFPB website back on XXXX/XXXX/2016 that CMRE was reporting inaccurate information and when I called to correct the information. CMRE required me to pay the debt before removing the dispute preventing my from refinancing my home loan. CRME provided the following response - The company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

View the details of your complaint and the company 's response so far at : XXXX CRME removed the debt form my credit report in XXXX 2016 and now has listed it on my XXXX credit report without any notification for disputing the debt and violated Under the Fair Debt Collection Practices Act

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 2017-02-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Citibank. I had a dispute and was fearfully of card number being compromised. Citibank sent me a new card. On my end I did pay the card balance in full, as I 've done in all the 15 years I 've had the card. I made my payment 1 day late, payment in full. They charged me XXXX on my account.. I tried contacting Citibank but they refused to reverse the charge. I close the account and paid their penalty. I paid Citibank in full for all my charges and felt that a one day late payment in full should have a not be penalized. I work for a family run lumber yard and if we treated our customers such as above, they would n't come back to our yard. They did n't reverse the charges, therefore I am contacting you to see if the right thing could be done and credit me the charge. Your consideration is much appreciated.

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 2015-12-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank 's ATM machine ate my {$100.00} bill on XXXX XXXX, 2015. I submitted a total deposit of {$800.00} consisting of XXXX {$100.00} dollar bills, that I had just received from XXXX Bank, into the ATM machine. The machine response read as follows : " XXXX or more of your bills is defective. '' It then kept all the bills and gave NONE of them back to me. It only confirmed {$700.00} of my deposit, leaving unmentioned the extra {$100.00} I had deposited. So I got NO acknowledgment of the {$100.00} and also did not get it back in my hand. I went inside the branch to report the theft of my {$100.00} bill, and was told by branch staff that " it would no doubt be caught tomorrow morning when we get our accounts reconciliation for today 's activities. '' This {$100.00} overage was caught and noted by those same Branch staff, however, since then, restoration to my bank account has never happened, and in fact I was told that the results of their 17-days-later " fact-finding '' was that there was no overage, no loss, and no problem, so they were not going to restore my missing money! I should add that about a week after the theft of my {$100.00} bill, both outside ATM machines at that Citibank branch in XXXX XXXX XXXX, XXXX XXXX, CA, were being worked on by repair technicians, as I was told by branch staff members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-11-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Convergent Resources, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: CITIBANK, N.A.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Best Buy / XXXX XXXX have repeatedly fraudulently and with gross misrepresentation challenged a valid credit card dispute for services not rendered and/or provided in a wholly worthless manner. Accordingly this debt is not mine and they should not be allowed to misuse the chargeback dispute resolution process to attempt to collect funds from me I do not owe!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
What happened originally was that it was their misrepresentation stating no interest would be charged on an item purchased from Home Depot XXXX until relevant amount was paid off. But that representation was false. 
I offered them {$200.00} to settle the account but they refused to take it. And now the original amount, with all the interests added, is {$710.00}, when it was originally {$300.00}. They have to stop adding interests and accept a reasonable resolution of the matter, as what I have been trying to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX credit card. XXXX is now called XXXX. My credit report shows XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: NY
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 did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: FL
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I checked my credit report today. My report indicated that I am behind 90 days on my loan repayment. I logged into my account and it indicates the same. It further breaks down the details of the loan, indicating that the school attended and loans were disbursed for XXXX XXXX. XXXX XXXX is a part of a class action lawsuit which lead to all loans being forgiven. 

I logged into my Federal Student Aid login and confirmed that my XXXX loans are forgiven as well. 

Additionally, if I'm not mistaken, an executive order was issued by the government stating that during this COVID period, no student loans should be being reported as negative to personal credit reports. During COVID, I have not worked. My loans have been deferred for a while now. 

I was unaware that these loans were even due. Nonetheless, they are inaccurate.

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 2022-11-12
Company: Experian Information Solutions Inc.
State: MO
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:
This is my endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX 




XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$1200.00} ; ACCT XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$230.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I opened Master Card credit card account with Citibank on XXXX XXXX. On XXXX XXXX I received e-mail from Citibank with " welcome offer '' for new cardmember to open XXXX more card account with attractive terms - XXXX miles bonus after spending {$3000.00} within first 3 months of account opening. 
So, I applied for the new card on-line, get it, fulfilled required terms ( spent {$3000.00} within 3 months ), but did n't receive XXXX miles to my XXXX advantage account. To resolve this issue I called to the Citicard Customer Service several times. 
Finally they told me that I 'm not eligible for this reward because you 've already get one within the previous 18 months. 
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about " 18 months rule '' 2. No one document that I got ( welcome offer, online application form, Credit Card Agreement and benefits brochure ) contains the " 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product.

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 2017-02-07
Company: Bread Financial Holdings, Inc.
State: MT
Product: Credit card
Issue: Delinquent account

Complaint:
I received a notice that my credit score had changed and found that XXXX had reported a 30 day past due credit notice to the credit companies. When I contacted XXXX, they told me I had a {$15.00} past due balance, that I had signed up for e-billing, and it was past due. They then told me they did not show where I had registered for an e-billing account, but told me I should have received an electronic statement. I did not receive any statements, electronic or paper. The representative indicated they had tried to contact me, but they use " robo-calls '' that come in as Private Numbers. There were no messages left by anyone about a past-due bill, and no bills received by me. I asked them to contact the credit bureaus and reverse the credit reporting and they refused to. I have had no history of late payment with XXXX and was not aware, or made aware of a late payment via email, mail, or phone message. The phone numbers they had on my file were incorrect when I contacted them. They updated my numbers at the time of my call. I paid the balance due in full. They refuse to accept responsibility for not contacting me or informing me of my late due payment.

Company response to consumer: Closed with explanation