BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
During 2013 Citibank received {$27000.00} in error from my XXXX checking account. Citibank can produce no charges made on my card during that period of time. The overpayments go back quite a bit further but for the purposes of this complaint I would like to point out the error in billing as well as produce evidence of my payments being made from my XXXX checking account during 2013. 
That was the year my son was involved in a XXXX accident leaving him XXXX injured suffering from a XXXX XXXX XXXX and XXXX. We desperately need the overpayment back in order to continue his XXXX. If I am in error, I apologize in advance and ask only that you confirm by producing evidence of those charges. If not, I demand an immediate return of the payments transferred to Citibank in error. I will include some of the statements confirming money was transferred to Citibank from my personal checking account. The joint account holder with this card can not produce any records and has refused to cooperate as a result of divorce. However we have equal rights to the information which was part of my own credit score and the payments made from my own account which my monthly paychecks were deposited into. If Citibank feels my understanding my consumer rights is flawed, please provide your own interpretation of consumer laws which allows for Citibank to charge a consumer their hard earned money, hold them accountable for those charges subject to negative reporting on their credit score, and yet claim you have no obligation to produce corresponding debt. Currently Citibank has produced no evidence any money was owed. If you are unable to produce that evidence then I 'd like the overpayments returned. 

Thank you, 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 explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX Experian Name : XXXXXXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On, XX/XX/21 I have put in several disputes about a Bankruptcy on my credit report. Each time you tell me it have been verify and accurate. You also told me you get my information was verified through XXXX. I have attached letter from XXXX and the Bankruptcy court in XXXX XXXX. 

XXXX, stated they do not have a bankruptcy reporting to my file or on my file, and XXXX XXXX courts stated they have not shared or give you any information related to a bankruptcy. 

You are lying about the information being verified and accurate. 

I see your reporting agency have violated several federal and state laws regarding my right as a consumer to privacy.

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 2017-04-28
Company: Credit Plus Inc
State: FL
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 ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my  XXXX  credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  CREDIT PLUS  XXXX    XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had  ( 2 ) two b ills sitting in  collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX  P  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
In XXXX of this year I received a collection letter from XXXX stating they are collecting on behalf of CITI bank for the account in default. I NEVER HAD citi bank account!!! I disputed this with XXXX bureaus and with XXXX who failed to validate this account and send me any proof that I was the debtor on this account but advised me to get a letter from CITI bank stating that I never had an account with them. I called XXXX # for citi bank, who advised me to inquire with the branch for the letter. But branch manager advised me to call their fraud department who directed me to the local branch again .... I also have written several request to citi bank asking them to validate this account but all went ignored. I am not stuck with the collection that does NOT belong to me and with collection company XXXX who is ILLEGALLY attempting to collect debt and harassing me non stop!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: MD
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:
My loans are with Navienr! A {$40000.00} payment was made and asked to be applied to the principal balance which they did not do. They have charged me late fees with no justification and my payments And balance is continually increasing despite an ongoing payment being made monthly with no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Bank of America ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Bank of America via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Bank of America refuses to credit my account. Instead, Bank of America assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : 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 2017-04-28
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I was led to believe that job placement in my field of study was 100 % in racking up {$50000.00} dollars of school debt. That did n't materialize and ca n't afford this debt on part time jobs. I finished with honors. I believe that I qualify for a complete loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been paying on my school loan consistently since XXXX. It originally was about XXXX with the first dispursment beginning in XXXX and today I still owe XXXX. It says my loans will not be paid off til XXXX if I pay {$220.00} a month. I do n't understand! Most of my payments were {$200.00} or more and some times the entire amount would go toward interest or fees. In XXXX, they forced my mom, sinced she cosigned, to pay {$510.00} a month when she was unable because she was going through treatment for a sickness. After I had already been paying {$220.00} a month. After 2 months I was able to get her out of that. Navient has also drafted money from my account before and it did not go toward my account. It I went back and forth with them for about 6 months and still never received my money back and it did not go toward my account. They said they did not take any payment so I sent them my bank statement 3 times and every time they said they never received it. I was never reimbursed. My account online does not match to what they say when I call. They have pushed me to forbearances for just one month behind and now I have none left for a time that I really need it. My mom cosigned the loans. In XXXX, she was trying to buy a house. Upon looking at her credit, Navient was on her credit for {$1000.00}. She paid it just to get it off her credit. Where did that money go? There are no transactions on my account anywhere. When I try to call for anything they are very rude and nasty especially when they are in the wrong they get defensive. I feel like my money is being taken and I am being taken advantage of because I have no other options available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A lady by the name of XXXX XXXX fron XXXX, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

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 2016-03-02
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Macy 's account managed by Citibank was written off in XXXX. The balance was moving around to different companies after the write off. That added money to the balance. Citibank took the balance back for the collection agencies and issued a XXXX in XXXX for the higher balance. I wrote the CFO of Citibank by certified mail but he did not answer me and I wrote the XXXX and they did not answer me. But this activity is a violation of XXXX XXXX, Citibank can not keep a AR on their books that was written off in XXXX and then issue a XXXX in XXXX. This misstates their treasury requirements with the Fed and misstates their filingswith the SEC, plays with my credit reporting and distorts my rights under XXXX code regarding the reporting of income. Is this what Obama agreed too?

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 2016-09-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/XXXX at XXXX Eastern Time, a fraudulent transaction was applied to my credit card account with Citi . This transaction was from XXXX in XXXX XXXX. I called Citi within 1 hour of the charge and told them that I was not in XXXX XXXX and that I did not authorize any charges from XXXX. I am a US Citizen and have had my credit card with Citi since XXXX XXXX and never have I used it internationally. However, Citi did not block this transaction. When I called the customer service hotline and informed Citi 's representative that this was fraud, the representative cancelled my card and issued me a new one. On XXXX/XXXX/XXXX, I received my new credit card however the fraudulent transaction was still on my account. I called Citi again, in the morning, and spoke to a supervisor who then called XXXX, confirmed that the fraudulent transaction was indeed fraud and not made by me and then told me that the charge was removed from my card. When I checked my credit card account later that afternoon, the fraudulent transaction was still applied to my account. I spoke to another supervisor, XXXX from Citi 's Missouri office, and she was absolutely no help and very unprofessional. She told me that I would have to wait a week for the fraudulent transaction to come off of my account. This fraudulent transaction is for approximately {$750.00}. Because of this charge, my newly issued credit card is unusable and I have XXXX available credit. According to Citi 's customer service supervisor XXXX, I have to go without my Citi credit card for 1 week because of fraud that Citi refuses to remove from my account. Again, I have never used my Citi credit card internationally, I have never paid late, I have never been over my credit limit, but Citi 's internal controls did not block a charge that originated in XXXX XXXX and they refuse to remove the fraudulent charge, even though I reported it as fraud right away. This is absolutely ridiculous that I have a credit card that I can not use and Citi is penalizing me for ( obvious ) fraud. Citi supposedly offers XXXX liability for fraudulent charges but here is a case where there is obvious fraud and Citi will do nothing about 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 2016-06-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer through CitiBank for XXXX XXXX XXXX miles for signing up for their CitiGold Checking Account and fulfilling certain requirements. I went through the necessary steps, speaking with their customer service representatives to ensure the account was correctly setup and qualified. I was assured it was. Upon completion of all their requirements, I did speak again with customer service to confirm with them that all requirements had been fulfilled and would be granted the promotion. The customer service representative confirmed for me that all requirements had been fulfilled and I could expect the promotion miles to be credited in my XXXX XXXX miles account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I had not received the miles. I again contacted customer support, at which point they confirmed yet again that all requirements had been fulfilled. They then said to expect the miles by the end of the business day but opened a service request to ensure that this was being done and I would have a response from them in 24-48 hours. Today, XXXX XXXX, 2016 I finally received said response to the service request informing me that I would not be receiving the promotional mileage because " there was not an AAdvantage Mileage promotion offered in conjunction with the opening of your account. '' This has been a very clear bait and switch, particularly after numerous attempts to confirm with their team that the offer had qualified.

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 2021-09-01
Company: AMERICAN EXPRESS COMPANY
State: NC
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:
In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: Media Collections, Inc
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM 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 2015-05-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I have had fraudulent activities on my Citi bank Credit Card account. They have failed to assist me. They are supporting criminals/fraud operators, making derogatory comments, the most unethical and unprofessional language. I was harassed on the phone and cursed me. Upon request proof will be provided. 
Citi Bank needs to dispute those fraud charges and has to obey my country`s laws and regulations. Citi Bank STOP the crime!!!! Stop supporting Criminals and terror operators!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation