BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on my Capital One credit card ending in ... XXXX on XX/XX/XXXX for the balance that was outstanding on my account {$940.00} -- bringing my balance due to {$0.00}. 

I normally get Capital One notifications that my payment posted and " thank you '' and new balance is now $ the new amount less the payment. 

I went online to verify payment had posted ok, after first being sure funds had been removed from my Credit Union checking account -- which was the case. 
I spoke to level one Customer Service and the Representative was not sure why my payment -- that had posted already with Capital One -- had not yet re-set my available credit. 

So that representative forwarded me to " XXXX '' who was higher up and with Payment Processing. While XXXX was very nice and 100 % professional, she could give not logical reason why my card was only showing a {$3.00} available limit. After looking further, she said their " system flagged my account '' because I paid a larger payment than I usually have done so in the past. 

I told her isn't that the payment behavior that you / Capital One appreciates the most? ( Cynical comment -- NO! Of course Capital One makes more profit on people who only pay interest payments. ) Regardless of the profit motives of the revolving credit industry -- it is outrageously bad service when a Consumer with a multi-year history makes a payment and the provider 's computer system puts the account on hold for 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/21, I was immediately charged me for XXXX products totaling {$79.00}. I never received these products and nor were they ever shipped. I was told to email XXXX party vendoXXXX XXXX and XXXX for a refund. NO phone number & NO address. I have emailed XXXX & XXXX numerous times with NO response. This company is in the XXXX XXXX. I can't believe they were given my information!! I'm a retired senior citizen. I closed my account due to this. I would like my money back. Also, there are numerous complaints about this same situation from other consumers. Thank you for your attention to this matter.

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 2021-12-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed up.

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 2021-12-22
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Social security numbers on my account and on my husband 's account at XXXX, Experian, and XXXX have the last four digits transposed. We were told this by XXXX XXXX, Finance Manager at XXXX XXXX in XXXX XXXX, SC XXXX on XX/XX/2021. We have ordered a car for next year and would like to purchase it. Thanks.

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 2017-01-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX and XXXX XXXX, consumers, received correspondence from CARRINGTON MORTGAGE SERVICES LLC, debt collector of an attempt to collect a debt. The consumers disputed the debt and demanded verification and validation of the alleged debt. The debt collector has refused to provide verification and validation of the alleged debt, stating the debt collector does not recognize the signature of the consumer on the dispute. The debt collector continues to collect on the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: The Phoenix Recovery Group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have asked for legal documents to be provided by the ones reporting this to the credit bureau and nothing has been provided for the balance of XXXX and I continue to have such a damaging report repeatedly by submitting new data every cycle as they amuse without any foundation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Ive requested a credit increase due to my finances increasing. In the coming months to years I will be need higher revolving credit. I was denied due to credit inquires on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CitiMortgage is sending harassing debt collection notices for a loan that was closed in 2013. In 2013 CitiMortgage agreed to a deed in lieu settlement for a loan. The agreement was finalized, agreed by both CitiMortgage 's attorneys and our attorney, and recorded in the Register of Deeds in XXXX County, NC ( where the property is located ). This closing documentation was signed by appropriate representatives from CitiMortgage. The deed in lieu contained wording that no further fees would be sought for collection upon closure. CitiMortgage then placed the property for sale. We believe CitiMortgage is pursuing us for debt/penalties incurred by them from XXXX, due to an error or oversight on their behalf that was brought to their attention by XXXX. We do not believe we should be responsible for this debt as all documentation and title were appropriate and clear at time of closure in 2013.

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 2021-12-22
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a Wells Fargo checking account in my name, had an IRS tax check deposited into it, and then quickly cashed the money out. I can view physical copies of the 4 checks, so I would appreciate it if someone could try to trace who did this.

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 2021-12-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021, my debit card was charged {$4100.00} via something called XXXX XXXX, which at the time cleared my account completely. I immediately reported the charge as fraud. I expressed to them that my phone was stolen, leading me to having to get a new phone. The charge was made via a virtual card, meaning whoever completed the transaction had to have had access to my phone, I assume. Even in telling them that, they declared the charge authorized which leaves me with absolutely no money for the holidays and the new year. Ive never made any charge over {$1000.00}, why would I clear my entire account of $ 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 2015-10-07
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I set up a recurring payment for my son 's apartment in college. His rent is due the XXXX of each month. I set up the payment for the XXXX of the prior month. On XXXX XXXX, 2015, Citi took {$480.00} out of my account. The apartment complex called me and said they got today 's mail and it still has not arrived. Today is the 8th business day since Citi took the money out of my account and 10th calendar day. I am now going to be charged a late fee at the apartment. I asked Citi to cancel the check. They told me no. They said they will not cancel bill payment checks until 10 business days have passed and that I could call back on Monday to cancel ( Today is Wednesday, that would be 11 business days. ) They also informed me it would cost me {$30.00} to cancel the check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX  XXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX  XXXX Balance Owed : {$250.00} ; XXXX  XXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, TransUnion, and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$330.00} ; XXXX XXXXXXXX Balance Owed : {$250.00} ; XXXX XXXXXXXX Balance Owed : {$350.00} ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 2015-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are several XXXX Accounts being reported in my credit file. These accounts do not belong to me. Each time that I disputed these accounts and proof that these accounts belong to me. I have not had any results from the credit agencies nor have I gotten any response from XXXX. I will like these accounts remove since they are playing a viable role in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have maintained a Best Buy Mastercard through Citibank for almost 10 years. This year I failed to receive my card at renewal time. After I emailed customer service, they informed me that they would send out another card. I chaulked it up as that they had forgotten to send out the new card. I even saw the annual membership fee of {$59.00} bill to my statement. I called the customer service about 14 days later to be told that the card had been mailed out with an expiration date of XXXX 2015. I asked why would I receive a card that was only good for a few weeks. The representative then tells me that the card was not renewed. I asked why did n't I receive a notice as required by law by the Fair Credit Reporting Act. She then placed me on hold to speak to her supervisor. She came back to the phone to tell me I would receive one 14 business days. Again I asked why did I get billed the renewal fee. She stated she would remove that fee. I then requested to close that account. She stated she would but I would have to reapply to open it. I stated you guys were going to close it anyway. 
My complaint is that they did n't supply the required legal notice that the account was being closed until I inquired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: Diversified Consultants, Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had a 2 yr internet contract with XXXX XXXX XXXX XXXX for $ XXXX ona 24 month contract that began XX/XX/XXXX. I moved from the residence due to a separation from my wife and she moved also. I had a XXXX phone to accomodate the internet service and had it disconnected when I moved out per my request to XXXX XXXX XXXX. The Service provider continued to bill a closed account up until XX/XX/XXXX which over 1 yr and 4 months of an expired contract. This is the 3rd time this account has been added back to my credit report and it is in violation of The Federal Credit Reporting Act. XXXX different collection companies have had the account and when I spoke with Supervisor XXXX XXXX of Diversified Consultants Inc over 1 month ago I requested a copy of the contract that XXXX XXXX XXXX had provided to his firm concerning me. There was not one on file and he promised I would get it within 30 days. Per our conversation yesterday he will not provide a copy of the contract and XXXX XXXX XXXX is requesting a Written Distpute from me in which they already have a copy from XXXX. I am a XXXX Alabama XXXX and this error on my credit report hinders my Company 's ability to obtain Floor Plan Financing to purchase Inventory for my Car Lot and also make my Surety Bond higher. I need this item removed from my XXXX and XXXX Credit Report Immediately. I am presently trying to enter into a lease Purchase for a XXXX acre and XXXX sq ft building to Start a XXXX, XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other fee

Complaint:
I currently have a Macy 's store credit card. Although, I have a XXXX balance on my card, it says that I owe a {$2.00} finance charge. I paid the credit card off last month and did n't use it. I do n't understand how I have this finance charge.

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 2015-05-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Citibank offers a yearly bonus of XXXX Elite Qualifying Miles on AAdvantage if you charge and pay more than {$40000.00} in a given year. In 2014 I exceeded that amount by almost 50 % yet they refuse to honor that bonus offer which, by the way, is still shown on their web site.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I had a citi aadvantage credit card, but have n't used it for the last 3 years. I have n't received or activated the replacement card. When I checked my credit report last week and found out i was charged with annual fee every year without having or using the card, I called citi bank to ask to waive the fee, but they refused.

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