BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern : I contacted Citi Bank on XXXX/XXXX/16 regarding my Double Cash card. I have a current billing item in a dispute due to the merchant charging me the incorrect amount. I noticed the item was charged back to my account as of XXXX, but have not received any notification as to why via E-mail or Mail. 

The first time I called, I was routed to a representative in XXXX who offered to transfer the call to the dispute department ( even though I said existing dispute in the IVR ). I was on hold for about 3 minutes and then the call was transferred to a message that advised the rep to take the call back because they were experiencing high volume and were unable to take the call. The line disconnected. 

I called back and asked for a manager. I was told there are no managers available. I then asked for a supervisor, who promised that I would get a call back within 48hrs. He took down my information. He was kind of rude, and I did n't like the way he handled the call. He denied me the ability to talk to anyone or anyone else. 

I called back once again and asked for a rep in the USA. The call was then transferred to a closed line. 

I called back a fourth time, and asked once again for a supervisor or someone in the US. The call was transferred to a closed line. 

On my fifth attempt, I called and was transferred to a closed line for the dispute department. 

Finally, on my sixth attempt, I got a rep in the XXXX who told me that there are no managers or dispute team members available due to high call volume and promised that I would get a call back in 24 hours. I explained to her that I have been disconnected and hung up on 5 times, and that I really needed to speak to someone.. She kept promising a call back. 

It has been 48 hours and my phone has not rang. I feel as if I am being discriminated against because I asked to speak to a representative in the United States. I explained to the reps that I was nothing personal, I just have had poor service and really need to speak with someone that will understand everything that I have gone through.. Since each one of the reps did n't even really apologize for the situation or how I have been treated. 

I honestly feel as if I have been mistreated and discriminated against for the billing dispute, as well as discriminated against for asking for an American employee. My calls were repeated disconnected or blind transferred to a closed line OR IVR with no reason or excuse as to why. 

I need to speak to someone about my dispute to understand why. I also need someone to help me understand why I spent over an hour on the phone only to get disconnected multiple times and hung up on.

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 2017-01-05
Company: Ashwood Financial Inc
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a few collection agencies reporting debt I do not owe and is not mine. Iv never been contacted by phone or mail from any of these companies about anything. I would like them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: PA
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:
Equifax has not produced the documents needed to verify the lates on my mortagage. Ive asked for them for months ... they keep validating lates thats XXXX XXXX XXXX without telling me how nor showing proof...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am notifying Self Finance that there is inaccurate information that they are furnishing on my consumer report. My utilization for my credit report is a transaction and an experience thats being furnished onto my report which is not supposed to be on there. Please see letter attachment for full complete letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against XXXX XXXX XXXX and Trans Union ; there was a repeat derogatory delinquent account # XXXX reported back on my Trans Union consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer Trans Union report. I reached out to XXXX XXXX XXXX, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency XXXX XXXX XXXX. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why XXXX XXXX XXXX purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to Trans Union, I spoke with XXXX XXXX representative of Trans Union, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a XXXX state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did Trans Union allow this derogatory debt to be placed back on my consumer Tran Union report? XXXX said she would have to submit a dispute she did not know.

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 2022-10-06
Company: Garrison Investment Group
State: PA
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:
Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: Phoenix Financial Services LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My complaint is against Phoenix Financial Ser and XXXX XXXX ; there was a repeat derogatory delinquent account # XXXX reported back on my XXXX XXXX consumer report. XX/XX/XXXX, I noticed a repeated derogatory account showing on my consumer XXXX XXXX report. I reached out to Phoenix Financial Ser, and I spoke with representative XXXX XXXX, he confirms this debt account is now been placed with his new collection agency Phoenix Financial Ser. The amount I need to paid {$490.00}, and the original date account was open on XX/XX/XXXX, but new account open date reports XXXX XXXX and the first date account was late XX/XX/XXXX, but now new late date is XX/XX/XXXX. I asked XXXX why Phoenix Financial Ser purchased an old delinquent account that is past seven years old? XXXX never answer this question. I also mention this is inaccurate late date account shows, and why was the account open date, and amount changed? XXXX was confrontational, he raised his voice by yelling stating this is not what he said. I explain to XXXX I wrote down everything you have said to me. I then asked XXXX to validate this debt, and XXXX said this file were just placed on his desk, he will mail the documentation to me. I have not received any validation of this debt as of XX/XX/XXXX. 
Next, I reached out to XXXX XXXX, I spoke with XXXX XXXX representative of XXXX XXXX, XXXX confirms file # XXXX was removed from my credit report on XX/XX/XXXX, due to statute of limitation expired. And this account has been placed back on your consumer report as of XX/XX/XXXX. The debt with XXXX XXXX XXXX at XXXX XXXX. Debt amount shows delinquent {$720.00}. I ask what happen to {$490.00} XXXX a Phoenix state what was past due, and why this amount increase now? XXXX said she will have to submit a dispute, next XXXX said this account open date shows XX/XX/XXXX. I ask XXXX why did XXXX XXXX allow this derogatory debt to be placed back on my consumer XXXX XXXX report? XXXX said she would have to submit a dispute she did not know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: U.S. BANCORP
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This complaint is in reference to our buyer 's Lender US Bank. We are in the process of selling our home and had an agreed closing date of XXXX/XXXX/2016. The buyer 's lender ( US Bank ) has been extremely difficult to communicate with and has not been forthcoming with requirements of the seller to close the transaction. We were just notified on XXXX/XXXX/2016 ( the day after the initial closing date ) that the lender is requiring repairs noted on the original Inspection in spite of what we ( the seller ) and the buyer agreed upon. We are being told it is due to the lender being overwhelmed with loan applications and not able to process them in a timely manner. The Inspection was performed on our property on XXXX/XXXX/2016 and we are just now hearing about the repairs being required one month later. Now the lender has extended the closing to XXXX/XXXX/2016 which places us in a bad position as we have already vacated the premises and moved into a rental. This is terrible banking practices on US Bank 's behalf. If they can not handle the magnitude of mortgage loan applications they are receiving, then they should have the decency to stop accepting applications until they can handle them instead of inconveniencing sellers for their lack of staff and the ability to close a transaction within a timely manner.

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 2016-12-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank acquired my Best Buy Visa card in 2015. After having the Visa card for nearly 10 years, Citi decided that I did not meet their credit standards and closed my account. In addition to the closing of the account, Citi decided to prevent me from making payments online. I do not receive my monthly statements nor can I access them online since they revoked the access to the account. I have to phone in to Citi and I am usually routed to an overseas call center in the XXXX and it is a literal ordeal to make a payment. Due to the obstacles in paying off the balance of the card and never banking with Citi, the payment fell behind and now they have reported late payments on my credit bureau. I think this is extremely unfair of Citi to make to close the card, cut the online access and prevent me from making payments via online and requiring me to call in and spend a half an hour trying to explain to a non English speaking representative to make the payments. I receive calls from several different phone numbers, from five different states that do not leave messages and when called back route to this overseas call center. I have a balance of {$160.00} which will be paid off but I would like the late credit reporting removed since Citi has caused this with their payment limitations. Citi need to be investigated for their practices which are extremely unfair to customers. Citi charged me the annual fee on the account and then closed the card. I submitted a previous complaint on Citi before and I am hoping that my nightmare banking experience with Citi can end soon. They are a big bank that is not customer centric and is very challenging to work with.

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 2022-10-06
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Called my place of work and said they would serve me papers. That a civil complaint was against me and I owed money from a check and go debt that was never paid. The company was called XXXX and only had a an hour to sign documents and send over payment to handle matter or a lien would be put on my house. Company does not exist when looked up. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi keeps delaying resolution. First 5 days, now 15. They lure new customers with promise of bonus. They have taken my money hostage, closed my checking after 3 months rather than 12 without asking, sent letter that insisted I deposit more money in my savings, did because thought related to bonus. Another agent said I really didnt have to add more money go figure. Turns out it gives me premier account with relationship manager which I never asked for. They say bank tried to deposit in my checking in XXXX but closed so transaction failed. Why did they close and why didn't they put in savings? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All I want is my bonus cash as they promised. Should really be > {$750.00} since they made me deposit more. I feel scammed. [ Furthermore, my sister is also dealing with this same issue and waiting for her bonus. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Re : Citibank ( Citigold ) accounts ending in XXXX ( {$25.00} ) and XXXX ( {$25.00} ) We were recently notified by Citibank that we have XXXX small inactive accounts ( " Insured Money Market '' and " Savings Plus '' ) each containing {$25.00} ( total of {$50.00} ). We called Citibank XX/XX/2016 and were told to submit a letter with identifying information and Citibank would send us a check to close out the accounts. Instead of sending a check for {$50.00}, we received a letter stating that, because the account is inactive, we would have to go to a Citibank branch to get the {$50.00} and close out the accounts. 
There are NO Citibank branches near either where we live in XXXX XXXX XXXX, XXXX or in XXXX, XXXX where we are visiting from XXXX XXXX, 2016 to XXXX XXXX, 2016. They have only ATM 's, and we can not get the money and close out the accounts through an ATM. 
I called Citigold Services ( XXXX ) this morning ( XXXX/XXXX/16 ) and spoke to an XXXX ( ID XXXX ) and her supervisor XXXX ( ID XXXX ) to attempt to resolve this matter by having them send me a check for {$50.00}. I was told that I would have to go to a branch, and THE CLOSEST BRANCH is in New Jersey. I COULD NOT BELIEVE MY EARS AND I ASKED XXXX TO TRANSFER ME TO HER SUPERVISOR, XXXX, WHO REPEATED THE SAME DIRECTIVE. 
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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Attempted to make payments on 2 secured accounts with Capital One Auto pay feature didnt correctly go thru and accounts were closed without notification or proper dispute process explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: SC
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a complaint against Barclaycard regarding their Aviator business card. The sign-up offer included a {$95.00} statement credit after meeting {$2000.00} spend threshold. I met the requirements about 2 months ago and never received my {$95.00} credit. I have been reaching out to them regarding this issue since XX/XX/22. They just open up a ticket every single time and never resolve it.

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 2020-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I submitted a complaint # XXXX. Capital One replied I had sent a black and white copy of my passport, but they needed a color copy. I called the company and spoke to THREE different people. They sent me a link to send a colored copy of my passport. The link was sent THREE times. I took the photo of my passport FIVE times. Each time I got the same result when I tried to send it. " THE SPECIFIED URL CAN NOT BE FOUND. '' So, I am sending a colored copy of my passport, a colored copy of my XX/XX/XXXXDrivers license AND a colored copy of my military ID card with this reply since the company would not take the black and white one. I need this resolved so I can get the refund of my plane tickets deposited back into my account. I brought new tickets and I need the money to pay for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Synovus Bank
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Auto pay and bill pay would not go thru for payment. Mailed in payment but it was returned to me. 

Reached out to company to advise that I switched financial institutions to make sure payments could be received thru auto pay and bill pay. 

I was told account was cancelled and threatened to make the payment by the XXXX or account would stay cancelled. 

I informed representative I could go to any authorized XXXX location to ensure payment was received in timely manner. 

I was then told that my payment would be taken and I could reapply for the accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received an email from " my boss '' asking me to transfer money to another bank account. My boss did not send it. Our domain name isXXXXXXXX, the email was disguised, but our IT person looked into it and discovered it came fromXXXXXXXX ( just XXXX " t '' instead of XXXX. ) The sender attached a pdf, asking for money to be wired to XXXX XXXX, via Compass Bank, XXXX XXXX XXXX XXXX, XXXX, NM XXXX. Routing number XXXX. Acct number XXXX. We did not transfer any funds, but I wanted to make you aware.

Company response to consumer: Closed with explanation