BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I made a purchase on XXXX on XX/XX/XXXX for {$100.00}. I only use the card about once or twice a year so I did n't notice right away when I did n't receive a statement. In XX/XX/XXXX I went online to look for a statement and discovered that I was charged {$64.00} in late fees. Part of my transaction, {$26.00}, was put on my statement for XXXX that was due on XX/XX/XXXX which I never received. The remainder of the transaction was put on the XX/XX/XXXX statement and at that time I was charged a {$26.00} late fee and the {$26.00} balance was carried forward. The remainder of the transaction was due on XX/XX/XXXX but I never received that statement either. On the XX/XX/XXXX statement, I was charged a {$38.00} late fee. I attempted to call customer service but after 30 minutes on hold, I hung up. I then sent an email but was restricted to a small number of characters to describe my problem. Also I had to figure out how to send it because the system told me that I used a restricted character which I later discover was an apostrophe. It 's extremely difficult to get a problem resolved and the lack of statement being sent or me being notified that is available online is very deceptive and the due dates are vague -- -one part of my transaction being due on one month and the remainder of the same transaction being due on the following month. The late fees are extremely high -- -a little less than 40 % of the transaction. XXXX and the company that administers its card should not take advantage of its customers like this. Also once the card is paid off, you have to be wary of a reoccurring {$2.00} minimum finance charge on a {$0.00} balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been fighting the irresponsible behavior of citi cards for last five months. After I complained about it three months back, citi deposited XXXX Thank You points in my account which I had asked in my complaint with CFPB. Then all of a sudden, citi reversed XXXX points without my permission. Now, the XXXX points have also gone. I am seriously concerned about the IT system citi has in place. These kind of irresponsible behavior has caused tax payers billions of dollars in past to rescue citi bank in the past. But, it seems citi does n't realize it and keeps on doing mistake after mistake and makes customer suffer. I would suggest CFPB to take strongest possible action against citi bank till the IT system is fixed and is certified by an independent firm.

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 2017-02-19
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I 'm trying to get my credit report from Equifax. I got some weird questions that I have done nothing with said company to open a mortgage, bank card, etc. and it said I failed the security check for these stupid annoying questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, I attempted to open a new Checking Account at Citi. I did the process online. I was unable to meet address verification requirements and send in supporting documentation within the 1 month deadline. I received correspondence stating my account would not be opened if I did not send supporting address documentation. 

During that time, I was still mailed an ATM card and a PIN. I never activated my ATM card. 

The bank did not execute a balance transfer from an account outside of Citi which I had provided as the method for depositing money to open the account. 

I recently checked in a Citi branch and they are stating that my account is " frozen '' but also open. Also, the branch employees were stating that my account had a negative balance due to minimum balance fees. I asked the branch employees to explain why the account was still open and they said they were unable to do so. I asked the branch employees to close the account. They said they were unable to do so. 

I 'm filing a complaint now to initiate closing of the account that I never was able to fully open in the first place.

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 2015-04-20
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with CitiMortgage and I was denied two times. Finally as a last resort to save my home, In addition to requesting another modification, I filed a Chapter XXXX Bankruptcy to repay the arrearages. This is when they actually considered helping me. The entire process was long and deceitful after that. I originally owed XXXX to Citi but somehow after the modification and a Partial Claim payment of {$28000.00} through XXXX, CitiMortgage is telling me I owe {$170000.00} to them in addition to now owing XXXX back the {$28000.00} which was supposed to be applied to the arrearages on my account.. Long story short ... They have not and will not show me a detailed account of where the {$28000.00} was applied to my account. My questions are " If CitiMortgage was given {$28000.00} from HUD to help decrease my mortgage and pay arrearages, How and why was my mortgage modified and recalculated using an amount that did not reflect the arrearages being paid with the {$28000.00}. How was this calculated? Who can show me a detailed transaction history or re-look at the modification to make sure it was prepared and calculated correctly? Why do I now owe {$200000.00} ( XXXX to CitiMortgage + XXXX lien to XXXX ) on my house which I originally purchased for {$160000.00}? How is this possible when the program is called XXXX - HOME AFFORDABLE MODIFICATION PROGRAM? There is nothing affordable about this!!! I am in more debt than I started with. 
Please help me if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I purchase furniture with Citi Visa Card and paid card off immediately. 
When delivered, was damaged and I refused as per the sellers instructions. 
Seller received the returned furniture and told Citi Credit card company returning funds. I could not get Citi to return the funds so made a dispute. 
Citi has stated that the funds would not be available till XXXX XXXX, 2016. 
I need funds immediately to purchase furniture and they have refused. 
Have not filed a complaint with Court, yet.

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 2016-05-03
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We paid it off in XX/XX/XXXX through another bank. They keep saying they did n't get the proof! Our bank and ourselves sent info. Received letter from them, again, saying they are going to redebit our account and consider it out standing.

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 2016-01-27
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ALLIED INTERSTATE LLC COLLECTION AGENCY REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT REPORTING AGENCY HOW ARE THEY VALDATING THIS INFORMATION? THIS IS NOT MINE THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Home Depot is reporting a 30 and 60 day late payment for the corresponding months of XXXX and XXXX 2015. What happened was that I have this account on auto pay from my bank ( XXXX ) and they neglected to make the payments and was told that it was due to a processing error. I spoke to Home Depot and they did credit me the late fees for both months, however they did not reverse the late payment reporting to the bureaus, which is why I am writing to you today to seek your assistance in this matter since its affecting my credit score.

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 2017-01-24
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Bought a set of XXXX tires promotion related to this sale was a XXXX debit Visa card issued by CITI bank. Card arrived by mail today XXXX/XXXX/2017 and expiration date on card was XXXX. Tried to activate card. Was not able to. Called their customer service which was horrible and no help with first person so I asked to speak to supervisor. Supervisor was XXXX employee no. XXXX. I asked her if they could reissue a new card due to the late arrival of my card. She said she could not and was also of no help so basically I am now out XXXX dollars due to a postal service XXXX up and total lack of customer service from CITI.

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 2016-12-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I have a ExxonMobil credit card, Acct # XXXX. I only use this card for gas purchases via my XXXX. I normally purchase gas and then quickly pay off the purchasing using my Bank debit card. I noticed an issue with not being able to access my ExxonMobil account via the website. I finally call the XXXX number have been informed that I have a balance of {$120.00} comprised mostly of late fees that I have never been aware of. No one from ExxonMobil ever informed me of any irregularities at any time. Mind you I pay my gas purchases as soon as I make my purchase via my Bank debit card. They denied me access to their website which I thought was odd but never really bother to inquire since I was paying off my bills as soon as I incurred them. I called the XXXX number XXXX and was just informed of this situation. I did get them to waive the latest late fee and paid off the balance of {$83.00}. So basically for a gas purchase of about {$15.00}, I ended up pay {$83.00} dollars. I could n't close my account because of course that department is conveniently closed on Saturdays. This is a rip off plain and simple. ExxonMobil never bothered to call me at any time to discuss this issue which I would have resolved right on the spot. They just kept hitting me with late fee after late fee. Since they block my access to my account on-line I was never aware of any issues. I had an issue with ExxonMobil some years ago. My son who is an legitimate user of my account lost his card. It appears that someone found the card and used it. ExxonMobil denied my claim and I was forced to pay off the purchases even though I provided clear evidence that my son had lost the card. But this situation now is the last straw. I got ripped off by the last time by ExxonMobil for having to pay unauthorized purchases for a lost card. I complained and proved a statement but to no avail. Now this situation to be hit with late fees and never informed that there is an issue with your account is unacceptable.

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 2016-08-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
My issue is with Citi Bank who now handles credit for Macys. About one year ago I was moving to a new location and a few of my bills were missed, including a Macy 's bill. I had a XXXX balance so I could n't imagine why my credit card was closed. Citi Bank now charges Macy 's card holders a fee if they do n't use their card. I was never told anything about this. I knew I had a XXXX balance so I did n't understand why I was being penalized. Citi Bank has been more than difficult about this. They seem to be the ones at Fault because they do n't make this clear to customers. I do not appreciate having my credit card closed and now have denied another card. I did n't even do anything wrong. I talked to serveral people in the upper level credit division and they said they have received many complaints about the extra fees. This action is not good, I am sure it has impacted my credit.

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 2015-12-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I lost my job back in the summer ( went over to china ) so I could not pay for awhile. now I have a job and I 'm trying to pay again and I need help trying to pay off the card but with the interest fees and other fees I am not getting nowhere and with numerous attemps to try and resolve the problem, they will not help. I am not using the card. and my only other choice is to file bankruptcy as a last resort.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Student loans on account was reported as identity theft and the investigation has went past 90 days. An Identity theft was filed in XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXXXXXX account is has been getting falsely reported as closed, and the balance has been fluctuating while closed.

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 2023-07-11
Company: EQUIFAX, INC.
State: PA
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 XXXX  XXXX account is has been getting falsely reported as closed, and the balance has been fluctuating while closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
Citibank is charging " residual interest '' on a statement from XXXX days go when the entire balance was paid in full. I paid {$750.00} in XX/XX/XXXX to bring the account to a XXXX balance when the account statement was for {$720.00}. In XX/XX/XXXX they billed me {$24.00} in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the XX/XX/XXXX statement when I paid {$500.00} and the bill was {$550.00}. I paid {$4.00} of interest on the remaining {$57.00} in XX/XX/XXXX. I attached XX/XX/XXXX 's bill to show that every month my bill was paid in full and the account was always brought to a XXXX balance. It is illegal to charge " residual interest '' after you show a new balance & continue to accrue interest on an account. The final balance is always to reflect all money owed on an account except for outstanding charges not finalized by a retailer since the bill was cut.

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 2016-01-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
I am a sensible, prudent, mature person and would not charge {$19000.00} on drinks and a XXXX. I believe a drink was spiked ( drugged ) causing me to lose my mental capacity to reason. I had a loss of judgment and rational thought and my ability to consent to charges. My credit card company said they can do nothing because they have signed paper receipts for charges of {$19000.00}. None-the-less, I was cheated and ripped-off at XXXX Restaurant in XXXX XXXX and do n't think Credit Card Companies should do business with XXXX. They gave cash advances to the XXXX who they claim is an independent contractor for the club. The other charges were for drinks I guess.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX 2016 I went to the Citi website to apply for Citi XXXX Honors Rewards card and clicked on an offer that would provide XXXX or XXXX XXXX Honors Rewards points if I had {$2000.00} in charges in the first 3 months. Once my application was approved, and I logged into my account, I noticed that Citi changed the benefit to XXXX points for {$1000.00} in 1 month. I called customer service on numerous occasions and told them there had been a bait and switch. After weeks of a runaround, someone ( XXXX ) from Citi Executive Officer XXXX called to help with my issue. After a day of " looking into it, '' he got back to me and told me that the marketing department said there was no possible way that that initial offer that I clicked on was available in XX/XX/XXXX when I applied. I told him that it indeed was and I had clicked on it, on the Citi website, to apply. He said there 's nothing more he can do. The conversation ended. There are numerous websites indicating the offer was available when I applied. Some of them are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I would like the points that I was promised upon my initial application.

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 2017-03-24
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I submitted my first Credit Card payment to XXXX saving Bank thru my Bill Pay with Chase Bank. XXXX bank told me that because I address the check to XXXX Credit Card instead of XXXX banking they would refuse the check and return it ... They did not return the check but they did cash it and did not credit my Credit Card account ... I Submitted Documentation and after multiple calls they said they sent back the funds to my Bill pay. That was a Lie! They have not sent the Funds ... I believe they have committed a chrime. Please check them out! Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX 2016, I applied on-line for a XXXX REWARDS Club offered by chase bank.I saw the advertisement on-line which had an offer of {$50.00} statement credit after first purchase plus XXXX points after spending {$1000.00} in first 3 months of opening card. After the card arrived, I called the cr. card co. to ask a question and the subject of the offers came up too. I was told that I would not get the {$50.00} cash! I told them why, the agent did not know why. Talked to a manager who never replied. Called several times, and I was told finally that I can get XXXX miles instead as an offer. I declined and insisted to get what the original ad had offered which enticed me to apply for the card. After much back and forth, I was asked to sent a copy of the ad which I had and fax it to them. 
In response I was told that someone has left a note on my account that " I was not eligible for the offer of {$50.00} ''. My last call to them was to put this in writing and explain exactly what they mean by this, how was I not eligible for their advertisement?. Well this was two weeks ago. I never got a letter of explanation and no one has contacted me. As a consumer, I hate bate and switch games. I applied on-line from the point ( page ) where the bonus offer was made and there was a button which said " apply here ''. so there was no other referral pages. no other links, but direct apply from the offer page. I want my {$50.00} and I want Chase be noted for their advertisement violation and this bate and switch game.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
back in XX/XX/2013 i filed a bankrutcy and one of the creditor was XXXX county experian sent one of there worker down to public records without knowing the fact of the account being discharge and put it on my credit report themselves i call the the comapny to see if they added and was told no by one of there superviosor i call experian to see whybthey added to my report the manager XXXX said they have a right to send a worker to get public information on a consumer and can add it to there report themselves this is experian stating they can do this how it it they can add and take off what they want and mess a person report up i have also sent them a police report for identity thief because there was XXXX inquiry on my report that i did not do and they stated they do not have to delete also they sent someone to retrieve all my old bankructy information and they place it on my credit report that a mess they literally sent a representative from there company to get bankrupty information and place it on my report when i call the bankruptcy court to see if they place it on there they said no they are not allowed to pace any court information and plus how did experian know the bankrutcy belong to me from what the court said they do not share any information on people who file so my question is can a credit Bureaus do what they want mess people credit up because they have the right to add what they want

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief