BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.

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 2015-08-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is a copy of the email I sent to CitiBank, concerning their deceptive policy regarding autopay which advertises that the will pay off the balance on the due due date, but they keep advancing the due date in the hopes that the consumer will build up such a big balance that they will be unable to pay it off without incumbering debt. 

I am convinced that autopay does not exist with this card. Today is XXXX XXXX. The balance is approx. {$8500.00}. But the scheduled payment has been delayed till XX/XX/XXXX. This is a deceptive practice designed to create a large balance on the consumer 's bill. I paid the {$8500.00} myself to XXXX out the bill. Clearly Citi Bank will not use the autopay feature as requested. And their explanation of the feature makes no sense at all. I will complain about this deceptive practice to the California State Attorney General. 
Bottom Line -- they do not let consumer 's XXXX out their bill on a monthly basis using Autopay. It is the only card I 'm aware of that uses this debt encouraging practice. Very XXXX. 
XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had a commercial account that was only had check for purchases. someone at Chase bank allowed someone to get a Debit Card on my company 's account without authorization and stole a lot of money. Since I have other businesses I did not know that money of this magnitude because I was receiving update on my account on the internet, but that stopped and the address was changed for my statements to the business address. I believe that since someone in the bank help whoever was assisting the theft they will not take care of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax The way the system is set up, it discriminates ( see attached XXXX pages ) against people who pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit. I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money, my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX/XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 

QUESTION : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation, the credit reporting agencies want to force you into debt in order to obtain higher credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
case number XXXX pressler and pressler XXXX their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by XX/XX/XXXX, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have contacted Equifax seral times within the last three months about some incorrect reporting XXXX. They keep saying that XXXX XXXX is reporting this information. This is not true. XXXX is reporting these XXXX accounts with the correct balances. They sent me a credit report dated XX/XX/XXXX2015-XXXXreporting balance XXXX is incorrect-the balance is XXXX XXXX XXXX reporting XXXX is incorrectly-the balance is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX has reported that I was XXXX times I 30 days late in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have never been late.please refer to my XXXX XXXX XXXX monthly statement, XXXX, XXXX cashed my payment of {$2900.00} on XXXX XXXX, they got paid XXXX, XXXX XXXX, XXXX XXXX got paid XXXX, XXXX they got paid XXXX, XXXX XXXX got paid XXXX as you can see i have never been late and Equifax is refusing to report correctness. Equifax was trying to sell me products, I refused so that 's why, which is totally unfair. I want Equifax to report correct information that I was never late.paid on time every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not my account I do n ot have an account with XXXX Debt Collector Original Creditor Balance Owed Reported By XXXX. XXXX XXXX {$390.00} Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly made attempts to submit a dispute online and by calling Equifax. None of these attempts have resulted in the inaccurate information being deleted. Equifax seemingly requires customers to obtain a current " Equifax '' credit report from them in order to process a disputed item. This is ludacris. XXXX XXXX monitors my credit rating and made me aware of the inaccuracy. XXXX and XXXX have both deleted the inaccurate reporting but still no success with Equifax. I have obtained a police report through the XXXX Police Dept. documenting the violation in case I am unfortunately harmed by this negative credit item.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have went to my physician for XXXX report and they made with visit collect charge from my insurance and ask for Co-Payment of {$25.00} which they did not ask when i was there and send me bill at my home address, and i am in college live in campus did not get bill until i come home. later my co-payment in amount of {$25.00} sent collection agency called IC System and try to collect more then i owe ( {$25.00} + {$4.00} collection charge ) in state of New jersey debt collector can not charge more then I owe I am full time student do not make money my parent wrote check in amount of {$29.00} and sent to IC System but debt collector did not deposit check instead they did on ACH transection on my parent checking account and fail to return orginal check so I C system ( Debt Collector ) violate new jersey debt collector practise and did not deposit check supposed to do. so i am looking for original check return to us and full refund of {$29.00} because they act their way rather follow rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Chase, XXXX XXXX and XXXX XXXX refuses to give modification to certain clients whose loans they have classified as " subprime '' that were dispense during the recession in hopes the consumer will default and they will collect insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: RCS Recovery Services, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Recently I applied for financing and was denied do to a company called RCS that started reports lates to my account this year and updating the date of last activity on a loan on a property that was foreclosed on in Texas in 2009. The 7 year statute of limitations is up and they are violating the FDCPA by buying this debt and reporting newer dates to try and collect. I disputed with the bureaus and they verified the debt but provided none of the documentation they need to have in order to report it. I also sent them a letter directly to validate the debt which they still have n't done. They are illegally affecting my ability to refinance my home. My husband passed away recently who was also an owner on this property and I am struggling and need to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a XXXX at a XXXX and signed up for the Best Buy Citi credit card. I was told that there was protection on the laptop, but when the laptop stopped working days later, Best Buy refused to honor the warranty and disposed of the computer. When I contacted Citi and explained the issue of the store not honoring their agreement and disposing of the computer, ultimately asking for Citi to issue a chargeback. Citi sided with the merchant ( Best Buy ) even after I provided them with an explanation and evidence of what had occurred. I later learned that the Citi representatives I spoke with during my dispute actually work for a call center devoted exclusively to supporting this Best Buy credit card. I feel that Citi sided with the merchant in this case because of their partnership with Best Buy, which I feel is unfair to consumers and creates a conflict of interest.

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 2016-05-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX. Please do not delete my XX/XX/XXXX account as it is not being disputed because it is closed and reporting accurately. My XXXX account balanced updated by my credit limit did not. My XXXX credit limit is {$17000.00}. My new balance updated to {$410.00} but my credit limit did not. This is affecting my utilization by {$5000.00} as I am sure the bureau is extremely aware. If the new balance updated, how and why was the new credit limit missed?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have disputed a certain judgement that is located on my credit report. XXXX XXXX placed judgement against me that was illegal and was revoked. I have disputed this with the credit bureaus and they continue to come back and say the judgement is valid when it is not. I filed a complaint with the CFPB against this company, and it is fact that this company filed an illegal judgement against me. They even reported back to CFPB, that they have stopped all action and revoked the judgement being that it was illegally done. I filed disputes and they refuse to remove this judgement from my credit report. The case that I filed with the consumer financial protection bureau against this compan which is XXXX and that illegal judgement they filed is Case # XXXX. This case they clearly stated that they are revoking the judgement and in fact it was filed wrong and they are not pursuing action. I want this removed from my credit file as well as compensated for them inaccurately investigating this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had received a postcard in the mail from Citibank, encouraging me to sign up for their Citigold account, and offering me XXXX frequent flier miles for XXXX if I : signed up for account, spent {$1000.00}, and made XXXX bill payments through Citigold. I learned after my miles failed to be processed that Citi meant that you have to make a payment through their bill pay system ( e.g. bills can not be paid through the debit card ). However, it never stipulated in the advertising or anywhere that I could find that you must make these payments through the bill pay system as opposed to the debit card. As you can see from the attached document, it is not at all specific. I argued this to Citi, via telephone and electronically, but they wrote back to me repeatedly that they would not honor the offer terms. Money was lost as there is a monthly account maintenance fee that Citigold charges.

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 2016-09-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I received a letter from CHASE notifying me that my home equity line of credit draw period was to end. It suggesting refinancing into a new home equity account and gave a number to call. I called XXXX/XXXX/16 at XXXX and spoke to someone whose name and NMLS ID I have. I gave him some information then and in follow-up and gave him permission to look up my credit score so that we could discuss whether or not it was likely I would qualify for a refinance. I did NOT formally apply for refinancing. I did not submit an application. I did not sign anything. He refused to return my calls when I tried to follow up. Yesterday ( XXXX/XXXX/16 ) I received a letter ( unsigned ) dated XXXX/XXXX/16 from CHASE telling me my application was denied. This is close to fraudulent to turn an invited inquiry over the phone into an " application '' that is then denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
There is a dispute with XXXX XXXX. Without my consent and no notice, they have reported this account to the credit bureaus. It has been disputed. I even hired an attorney regarding this dispute. I will attach the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
According the XXXX XXXX XXXX in XXXX XXXX XXXX, public information such as Bankruptcy or judgements are not shared with any credit bureaus. I recently disputed a bankruptcy, docket XXXX, with all XXXX bureaus, XXXX and XXXX both investigated the information and found it to be inaccurate, unverifiable or incomplete and DELETED it. According to the FCRA, all data found unverifiable, incomplete or inaccurate must be shared between all XXXX bureaus and are to be removed if errors are found by XXXX bureau..I provided Equifax with the results of the investigation from the other Bureaus and they have ignored the results of the investigation and have knowingly reported unverifiable information. They never provided me with the method of verification including, name phone number or address of the furnisher, this is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Shell credit card since 1998 I moved out of country and paid the card off they were in the process of issuing a new card which I also told them to cancel because they are no good here. They took the XXXX payment that I ask them to draft from my bank account, to pay the card in full, but credited it to the new card they had issued which was also cancelled and are still charging late fees and interest on the old card I have tried many times to get this resolved to no avail. I am out of country and can not sit on the phone for hours trying to explain to them what has happened I have spent several hundred dollars in phone charges to talk with them and still have bills coming to me about this I do n't know what to do any more my credit score has gone from high XXXX 's to the XXXX 's because of this they are ruining my credit and I do n't know what else to do. when I talk to them or try to get into the account they tell me it has been closed but they have XXXX maybe more of my money and are showing my bill as being unpaid this needs to be resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
For at least a year or longer, Macy 's has messed up the accounting on my credit card, which I 've had for well over a decade. I just tried several times to reach it at a so-called customer service number ( XXXX ). It is impossible to reach anyone there, as there are numerous phone loop recordings at that number. Among other things, Macy 's lowered my credit limit, allegedly because XXXX provided it with a false credit report. It should have gotten a ( partially ) corrected copy of it by now, as I asked XXXX several times to provide one. However, throughout the last year, Macy 's continued with numerous, habitual errors, even after I called several times to correct it and was told that it was corrected. For example, it habitually mailed checks for balances on my account, then treated my account as though I cashed the check with the credit balance when I did not. I would call Macy 's about this, with little to no avail. Macy 's continued to show less on my account even when I had overpaid it and had a balance on it, with the difference explained by a lost or uncashed check, often one that I 'd told Macy 's about. Then when it received no additional payment, it charged me phony late fees. I would call to have that corrected and often was told that it would be when it was not. One example appears to be a {$2.00} charge from XXXX XXXX, 2015 that I should not have. Add to these problems ( of claiming that uncashed checks eliminated credit balances, then using that to charge illicit fees ), as is the case today, no one can be reached at the numbers printed on bills, so there is no way to verify even the false balances Macy 's has been attributing to me throughout the last year or longer. As I write, I just heard a recorded voice tell me that my balance was {$73.00} and change, but I have little idea of what explains it, since I have not gotten a bill and can not reach anyone at their so-called customer service center. I have not gotten a bill from Macy 's in months and can not reach anyone there to discuss this and other problems. I should not have to roll dice to decide what to pay Macy 's, if anything, but that is what I am having to do.

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