BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a credit card member from citi bank since 2011, over the past 6 months I have had issues dealing with the company after my card expired and it seemed impossible to get a new valid card. About 4 months ago I decided to not worrie about the card because I no longer wanted to use it anyway to reduce any extra dealings with the company. My account stayed open and I continued to make payments. Now 2 months ago I can not view my account ballance or make a payment online because the card number associated to the account is n't valid ( nor has been prior ) so I was cut off from accessing my account. I called the company and was told a new card was being issued and after being hassled and having to give my SS # as the only way to access my account over the phone they agreed to take payment over the phone. When doing so I made confirmed my mailing address to receive the card. This months payment rolls around, still no card, still no access to account information. I call again tell them the issue talk to a " specialist '' who reviews my account apologizes for the problem and states a new card will be arriving in 7-14 days. 
This morning I check my email and il there is a message from citi denying me a valid card for the account. I could care less for the new card however in doing so they are still cutting me off from making payments online or even access to account info. This company is setting people up for failure and profiting from it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
XX/XX/XXXX, Macy 's replaced my existing Macy 's credit card with a new store branded American Express credit card issued by Department Store National Bank, a subsidiary of Citibank. The previous card was sending e-bills to my bank. I do n't shop at Macy 's often, but there was a charge on the credit card for a total of {$99.00} on XXXX/XXXX/XXXX. I never received a paper bill at my mailing address, an e-bill at my bank, or an e-mail bill at the e-mail address in their records. Suddenly, XX/XX/XXXX, I got a letter from their collection department. When I called, they said they could mail me a bill in 2 weeks, but they refused to e-mail me any information. There was no way to get any information on line with my Citibank accounts ( even though Department Store National Bank is owned by Citi ), and I could n't get online access to the Macy 's card account separately. Basically, my choice was to pay the bill without ever seeing it and verifying that I actually made the charge, or let my credit score deteriorate while I waited to see what they would send. I was able to get customer service to eliminate the late fees and I paid the {$99.00} because they said if I did n't pay it right then, they would add back the late fees. They closed the account, which is fine with me because I 'm so mad I would have closed it anyway. But, I am very concerned about their reporting to the credit bureaus and my credit score. I pay my bills every month in full and have a FICO score in the XXXX range. This company should be required to send a bill before sending an account to their collections department.

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 2022-03-22
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My wife recently passed the insurance company returned two checks over payment I deposited the two checks with my wifes name to the estate of in her name plus one check in my name four days later my account charged a deduction of {$250.00} two days later I was charged a {$12.00} returned check fee the {$550.00} and the check in my name XXXX a total of {$820.00} there is no mention of other two checks contacted supv XXXX for 30 minutes with no result my question is why were the checks excepted in the first place dont know what happen to the check in my name or second check in wife name this happen at a branch bank pnc XXXX XXXX Illinois In addition I have been depositing my wifes checks into my account for the pass 12 years????

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.

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 2020-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX XXXX XXXX Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.

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 2022-03-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had new checking account information that needed to be put on my XXXX XXXX XXXX credit card and when I attempted to remove it, the system would not allow me to so I was forced to UPDATE the checking account. I updated the information and then made a payment. Unfortunately, the Comenity system did not update the information, and the payment was sent to the old account. When I found out about this, I called customer service and four different reps attempted to help me but no one could seem to figure out what had happened and no one seemed to know how to remove the old account. I finally spoke with a rep who was able to show me how to remove the old account, however, I had already been charged a XXXX returned item fee because the system sent it to my old account. I have tried to resolve this with no less than 10 people and no one seems to be able to help. I have now also been charged XXXX in interest on the returned item fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ASTA FUNDING INC.
State: NY
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 never have account with this company which XXXX XXXX XXXX XXXX Attorney freezing my bank account in XXXX XXXX. It happened also in 2009 when this same attorney freezed my bank account in different banks. After I filed complaint to the Office of Comptroller of Currency, he released all accounts. Even he knows that this is not my account but still he giving me trouble to freezing my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I accepted an offer through a public website ( offer code # XXXX ) promising a cash bonus for depositing a certain amount of money in my existing savings account and keeping it on deposit until XX/XX/2016. After completing all offer requirements and being told by multiple customer service representatives that I would receive the bonus " soon, '' it now appears that Citi does not intend to honor the offer. Written documentation of the offer and compliance with its requirements is attached.

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 2022-03-22
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I originally bought crypto currency on binance.com. When it was no longer allowed in the US, they made me transfer my funds to Binance.US. I did that on XX/XX/XXXX. Today is XX/XX/XXXX. They have not allowed me to withdraw my money. And have only responded to me once with no help whatsoever. This is a common occurrence with others as well. I need my money immediately. Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: WESTERN UNION COMPANY, THE
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
In brief I contacted the Western union customer service to inform them that both transfers domestic wires were canceled by their office. The person I sent the money to had some issue with Identity in their system, so I was instructed to get a refund for transactions : Date XX/XX/2022 XXXX XXXX. XXXX for {$200.00}. and XX/XX/2022 XXXX XXXX. XXXX for {$200.00} the wire charge should be returned as well I was told the money would be back by the XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I, XXXX XXXX, XXXX have submitted several disputes from XX/XX/2020 until present day concerning a late payment reported due to the global XXXX crisis. My mail was effected pandemic which caused my mail not to reach within the allotted 21 day window creditors are given to send out invoices to its consumers. My consumer report shows a 30 day late payment. The information I've received from the most recent representative said it was too late to dissolve the information because its been too long. I have written several letter via certified mail attempting to discover why is it that I'm exempt from the programs that are/ were in place due the pandemic. The unfairness and disrespect is unacceptable and I would like a favorable resolution to my issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Experian on  XXXX  17  to make them aware that this account  XXXX   XXXX   XXXX   XXXX  account #  XXXX  is the result of identity theft. I have no knowledge of who the perpetrator is and never authorized anyone to use my personal information to open this account.     I 've provided Experian with an Federal Trade Commission  Affidavit and file d a police report about the incident and sent a copy to Experian.     To date Experian has yet to block this information from my credit file.       My File number for Experian is  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 2022-03-22
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, INC.
State: NJ
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 sent letters off on XXXX XXXX, certified. 
here are my certified letter numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove personal information that I do not want on my credit report. According to the Fair credit reporting act 12 USC 1681, I have the right to privacy. Also according to 15 USC 6802, no financial institution is supposed to share my information with third party people. 

This is a clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call that I owed for a membership from First credit services. The membership was was closed out on XX/XX/XXXX and I even paid for XX/XX/XXXX as I was told XX/XX/XXXX payment could not be cancelled. I informed the supervisor at XXXX XXXX in XX/XX/XXXX. I was told to mail a letter which I did on XX/XX/XXXXand received no response. I sent a certified letter on XX/XX/XXXX and still have not received a response. This account was paid in full and closed out west n XX/XX/XXXX. I do not owe this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX  is tryiing to commit an error saying that i do not own a mortgage when in fact i do. They have a wrong number on my credit report. I only ha ve one nu mber that is legit and that is  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 2020-03-12
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
XX/XX/XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
It appears to be a Discover Credit Card under my social with a balance of {$6600.00}. 

Account details : Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Revolving Account Loan Type : CREDIT CARD Date Updated : XX/XX/XXXX Pay Status : >Charged Off< Terms : Paid Monthly Date Closed : XX/XX/XXXX Credit Limit : Credit limit of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$8500.00} from XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2016-05-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My finance company refuses to automatically debit my banking account despite being authorized to do so. Their " policy '' is that it was past due. It was past due because they failed to debit the account before it became past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have had my car 21 months and have may be 10 pa yments made on time. Ally loses payments. Requests bank statements to 'fix it ' and claims they never received them.     I have been on the phone fo r 3 hours at the point of writing this. My integrity has been questioned 3 times in the duration of the call. I have be en transferred 3 times between departments. I have a letter in my hand and read it verbatim and they still said I was wrong.   It is not my fault if their system is wrong or they made a typo. I am at ends with this company. They are crooks. I have made probably  XXXX ,  XXXX  dollars on this loan but only  XXXX  have come off of the note.     Just got transferred to a supervisor FROM A SUPERVISOR and the receiving call, has no idea what we wanted.     The date of this call is  XXXX   XXXX   2017 .

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 2022-07-15
Company: Westlake Services, LLC
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
hello, I paid off my loan on XX/XX/2022 On XX/XX/XXXX, Westlake took a " payment excess '' additional payment of {$490.00} I stated calling in XXXX requesting they refund my overage After making four calls to request the refund and was repeatedly told to call back in two weeks I requested in writing they return the extra payment they took in XX/XX/2022 After 70 days they have not returned the extra payment they took after the loan was paid off

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 2017-06-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Citigroup XXXX XXXX Credit Card since XXXX and requested that the credit limit be reduced to {$500.00} sometime in XXXX or XXXX. On two occasions Citigroup has increased my credit limit without my express consent. The first time it happened, I complained and Citigroup explained that they would not increase the credit limit without my requesting it ; however, they have done it a second time.

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 2018-01-02
Company: Experian Information Solutions 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:
XXXX in 2011, through XXXX, I took out a XXXX loan to assist with the cost of the XXXX XXXX. While I had made payments ( when possible ), unbeknownst to me, XXXX now indicates that they own the loan. They had never forwarded any documentation indicating so, via an assignment or anything else. I have disputed with the credit reporting agencies, but to no avail. I have asked time and time again for this information, and no one is able to provide me with said documents. The contract I had was with XXXX not XXXX. Also, they have not furnished me with a copy of the agreement with XXXX ( signed by me ). Nothing has been furnished at all.

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 2020-03-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had an overdraft account with Chase from XX/XX/XXXX-XX/XX/XXXX that had an unpaid balance. In XX/XX/XXXX I contact the bank to resolve the balance and was told I would be able to open a new account once I paid the balance. I paid the balance and waited 10 days to open account. When I opened the account within 2 weeks they closed the account. Then in XX/XX/XXXX I attempted again I tried again to open a prepaid account. I was told I could never open another account with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I haven't take any action yet... need to know what to do to returned the car they refused to take back

Company response to consumer: Closed with explanation