BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-04
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: EQUIFAX, 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 have been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-19
Company: National Enterprise Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started receiving a non itemized credit card bill from XXXX for a XXXX credit card that is not mine. Had a very difficult time contacting an actual person. Once I did, after a lengthy and confusing conversation, I was told everything had been cleared up. The situation however is not resolved and now there is a collection agency involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
have a loan through american education services with national collegiate trust since 2006. I have asked for copy of note and history of payments several times and get results from XXXX XXXX XXXX. never get payment history. loan was for {$8000.00} and after 10 yrs. they say i still owe {$7800.00}. have tried several times to find out where and what my payments are being applied to. can not get any answers from national collegiate trust and no payment history from AES. have spoke with XXXX XXXX XXXX and have no problem with what they want me to do. need help with AES and national collegiate trust to understand what is going on. i am on XXXX now and they are harassing my sister who is the co-signer of this note.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: NCB Management Services Inc.
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent two cease and desist letters to NCB MANAGEMENT SERVICES to their mailing address on file back on XX/XX/2022, via email to XXXX on XX/XX/2022 then via email a second time on XX/XX/2022 when the harassing phone calls did not stop. 
I have attached the cease and desist letter to this complaint as well as a screenshot of the numbers NCB MANAGEMENT SERVICES has called harassing me from I have made multiple attempts to resolve my debt with rise credit however was unsuccessful. I did not receive any Mail notification or options to mitigate with NCB MANAGEMENT SERVICES, they have continuously harassed me. 

The Fair Credit Extension Uniformity Act encompasses the federal debt collection statute, the Fair Debt Collection Practices Act, and provides certain important restrictions on the conduct of debt collectors.

Unless they have your prior consent or the express permission of a court, debt collectors and creditors may not communicate with you : At unusual times and places Before XXXX XXXX. or after XXXX XXXX 
Via telephone conversation more than once per week concerning a particular debt Using a specific method of communication ( e.g., phone calls or texts ) after you have requested that they stop communicating with you via that particular method At work, if they know your employer disapproves of such contacts When they know you are represented by an attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am an Identity Theft Victim. My original FTC document was fed-ex to CFPB on XXXX XXXX, XXXX. My personal information ( SSN, Birthday, Address, Driver License #, Phone # ) were stolen after I opened a phone number on XXXX XXXX, XXXX at XXXX Store XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Sale person # XXXX The Criminal used my identity 1 ) Changed my address on file at Credit Card company, fraudulently charged more than {$36000.00}. ( XXXX XXXX {$12000.00}, XXXX 's {$4000.00}, XXXX {$7400.00}, {$1200.00}, {$1400.00}, CitiCard {$2000.00}, Macy {$1500.00}, XXXX {$1800.00}, XXXX {$4400.00} ). Repeatedly asking for Credit Card replacement or new card after I closed the previous ones. 
2 ) Stole my phone number twice and pretended to be me for Credit Card Call Back Verification. They also opened several lines with XXXX and charged equipment. 
3 ) Showed up at my address twice, first time waited for XXXX delivery to retrieve XXXX Card that I did not request and the second time stalked at my place, either waiting for US Mail delivery or tried to break into my now locked mail box.

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 2015-11-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
This is complaint is a result of civil fraud on the part of citibank and their XXXX branded card. 
I was on the XXXX website booking a trip. EVERYWHERE on the site there appears an ad, offering a XXXX dollar statement credit and XXXX bonus miles ( after spending XXXX dollars ). I clicked on the add the read the fine print. Obviously I had to be approved for the card, which i was that same day, and I used in instantly to purchase the flight that cost over a XXXX dollars. 
I waited for weeks and nothing and called citibankThere agent could not explain why there was no statement credit but said she would add a XXXX dollar statement credit. 
Even though I met the requirements the XXXX bonus miles were denied. These miles cost XXXX dollars. I was told they were denied because i had a similar card within 18 months that was XXXX related. 
Now there are several reasons this denial was unjustified ... 
1 ) I was given no chance to appeal2 ) the fine print on the XXXX site did not mention this potential disqualification3 ) I was aware of this issue previously and I actually called Citibank before i applied to verify if I was over the 18 months since my last XXXX branded card. I was told by the agent i did indeed have a black XXXX card but that was closed by my in XXXX 2014, over 18 months ago. 
I think it is sad XXXX and CITIBANK have to result to such behavior to gain clientsI was damaged XXXX dollars, the cost of the promised miles

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Hello, I signed up for a promotion to get points after spending a certain amount on the credit card. After meeting the requirements, I was awarded the points. This XXXX I cancelled the card, and was never notified that the points would expire after the card is closed, since I have additional cards with the bank. Based on what I 've been told before, as long as I have accounts with the bank, the points will not expire. This is stated in the disclaimer as well. After speaking to a rep over the phone, they advised that I shouldve been notified when i filled out the request the close the account. However, I never needed to fill out a form to close the account. I just sent one simple message, and the team closed my account out. This is very deceptive and the rep acknowledged that I shouldve received notification as well prior to the account getting close and that I shouldve received properly disclaimers on the effects of an account closure. Citibank is inconsistent in the way they handle accounts and the consumer if negatively affected as a result.

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 2015-06-29
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Balance transfer fee

Complaint:
I 'm writing to report that the banks have n't changed XXXX bit in the area of setting misleading / confusing terms and agreements to their customers. 

Recently, i availed of a balance transfer offer from Citibank - I have a Citibank XXXX Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be {$5.00} or 3 %, i was charged. 

When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance transfer transaction without getting screwed around for 67 % more fees than they expected to pay???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Macy 's is reporting that I owe {$1700.00} on account # XXXX. Several months ago, Macy 's issued a XXXX, cancellation of debt form, in relation to this balance. Furthermore, they now refuse to accept payment. 

Since they have cancelled the debt, and refuse to accept payment, they should update the owed balance to {$0.00} owed at the credit bureau level. They should not be able to issue this tax form, refuse to accept payment, and continue to report that I have an owed balance. That is not fair, and they are holding my credit profile hostage.

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 2016-07-12
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Was a good standing customer for over 10 yrs with Citbank Mortgage enrolled into their Equity builder program, and refinace in XX/XX/XXXX, Tried to refinace in XX/XX/XXXX. 
My loan office lacked product knowledge : he could never give me a straight answer as to why the underwriting was delayed said he would have to talk to someone and get back which he never did, I always had to call him, when I did n't get a response I contacted his manager who never returned my call either ... .. 
No customer service skills were shown, nor did he pay attention to details. the application was denied without him even knowing until I called him to get a status up date, I made numerous calls to Citi. When I did get thru to him, he had lots of excuses as to why I had n't heard from him ... .email is down, phone 's system not working and out of office for personal time ... then someone else should have been working in his behalf. 
My other complaint is with the Equity builder program. I have an " Amortization '' sheet from XX/XX/XXXX that shows my balance should be at a certain amount by a specific year, when I checked my statement saw the figures from Citi monthly statement were not in agreement I called the company, faxed a copy of my Amortization to their research dept, and still have not heard back from them. 
I am totally disappointed in their customer service or lack of

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 2016-04-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Related to previously opened case regarding Citi card with unauthorized transactions. Was unable to make contact with executive response office again after submitting requested documents via their email address. This is about a billing dispute.

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 2016-06-08
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
In the past XXXX months, I had signed up for a CITIGOLD Checking account through a promotion where I was to receive XXXX Thank You points from CITI by XX/XX/XXXX. This promotion was under promotion code : XXXX. The promotion required me to meet some basic requirements, which I clearly did and this was confirmed on multiple occasions by CITI Gold phone representatives. The promotion was confirmed on multiple occasions over the phone. In addition, my wife XXXX XXXX also applied for the same Gold checking account and the same promotion. She has received her points. 

In addition, I was clearly told that this account had XXXX monthly fees. I was told there was no minimum balance requirements etc ... no monthly fees at all. 

Now Citibank is telling me I did not sign up for the promotion and I just noted that they have charged me {$30.00} for the last three months, totaling {$90.00}!!! 

This is fraud and is not correct. I have been a Long time CITIBANK customer and this is flat out wrong. This needs immediate correcting.

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 2016-07-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX 2016 a charge was made on my Citi Card for {$930.00} with XXXX XXXX for a XXXX game in XXXX. I neither made the charge myself or authorized it. I immediately called Citi Card and was connected to security in XXXX and was assured they would credit my account and cancel my credit card while issuing me a new one. I took this personally so I called XXXX XXXX and XXXX XXXX to advise the tickets were purchased with a stolen credit card. XXXX assured me the order would be cancelled. 
I received a letter fro Citi Card dated XXXX XXXX, 2016 advising me I had been issued a permanent credit. it was a form letter from Customer Service with no signature or phone number. 
I received a letter dated XXXX XXXX, 2016 telling me that there was documentation showing I had the tickets mailed to my home and they were reversing the credit. Their own documentation from XXXX show the tickets were printed off the Internet so this is not true. The tickets purchased were for a basketball game that evening so it never came by mail. I called Citi Card security on XXXX XXXX and the person in the XXXX put me on hold for over an hour. He could not help me. I called Citi Card Customer service on XXXX XXXX and they could not help me. I reiterated I did not purchase those tickets and needed to speak to someone in the United States. They could not do that so I got security in the XXXX after being on hold for over 45 minutes. He took my information and said he was going to forward it to the United States to the Recovery unit. He could not give me a name or number. I asked about timeframe for resolution and he really did not know but said 2 days. It has now been 3. 
I mailed a letter on XXXX XXXX, 2016 to Customer Service in XXXX XXXX since that is where the letter came from. 
Citi Card claims that one of the benefits with the card is {$0.00} liability if someone uses the card without my consent. I feel as if I am being called a liar and a crook. I am a XXXX year old on Social Security and did not purchase these tickets. I feel as if Citi Card cares more about the vendor then their customer.

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 2015-04-10
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I began the day inquiring about the interest rate on my Citibank account that I have had since XX/XX/XXXX. I asked if the representative if I would be able to qualify for a lower interest rate. I also said that I had been a customer for some time and that I would prefer to remain with Citibank. I was told I could lower the rate by 3 %. I stated that another bank had just sent me an offer for for a XXXX percent interest introductory rate and a lower over-all APR, so I asked if they could lower by more than 3 %. The representative replied that that was the best that Citibank could do and I responded that I would make a decision and contact them at a later time. 

About XXXX hours later I contacted Citibank to get my exact balance so I could transfer my debt with them to my new account, which I had opened in the meantime, and was surprised to find that my Citibank account had been closed without a request from me to do so. I called Citibank 's XXXX Office to ask why my account had been closed and was told that I had made the request sometime before today 's inquiry to lower my interest rate. I stated that I had never requested to have my account closed. The manager insisted that I had made the request and that I had been recorded doing so. I challenged her to produce said recording knowing that no such request had been made by me. I also noted that my last statement ( XX/XX/XXXX ) reflected a credit limit which would indicate an open account. XXXX declined to produce the recording and added that she would file an investigation and I would receive something in the mail in XXXX to XXXX business days. Their action on this account today, will result in a loss of available credit, lengthy credit history, and a negative impact on my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 a follow up to previous CFPB Complaint I submitted reuqesting the correction of the erroneous accounts reporting on my Credit File. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of accounts with erroneous information that should be corrected as soon as possible : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2700.00} XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXXXXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXX XXXX Balance Owed : {$49.00} XXXX XXXXXXXX Balance Owed XXXX {$2100.00} XXXX XXXX Balance Owed : {$910.00} XXXX XXXXXXXX Balance Owed : {$910.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-01
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I just recently discovered that I had XXXX hard inquiries on my credit report which should have been reflected on my husbands credit report. In addition, he was led to believe that they would be soft inquiries since everything was internal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
We applied and were approved for a credit card through XXXX XXXX XXXX card, provided by Citi. We were told that we would receive certain benefits such as improved boarding position and free checked baggage. When we used the card to purchase flights/book travel we still were charged for our checked bag and were not given the improved boarding status. The flights were purchased almost a month in advance and the bags were paid for at the airline kiosk with the XXXX XXXX XXXX Credit Card. When I brought this to the attention of the credit card company and the airline, both redirected me to a refund website which was not particularly clear about the information required to receive a refund. The website asked for a " document number '' which could mean an itinerary number, membership number, credit card number, how are you to know? Once I figured it out ( number found on the credit card statement ), I filled out the required information on the website and was told that my application would have to be manually reviewed. I had to do this twice, for the bag that travelled to and back from our destination. We 've flown since and I assume that I will have to go and file for these refunds individually. What is frustrating about this, is that we receive our reward miles ( as promised ) but the other benefits with upfront costs seem deferred until you the consumer takes further action. Why must a consumer take additional action to realize certain advertised benefits while other benefits such as airline miles are awarded using the same information? I could not receive nor use my airline miles without providing my XXXX XXXX membership number. Why then, when I provide my membership number to check into a flight and pay for a bag service at an XXXX XXXX point of sale at the same time, using their XXXX XXXX Credit Card, do I not receive the other benefits associated with the card. It seems to me that when I provide my membership number and present my card at the XXXX ( as well as in person when I hand over my bag for check-in ) I should automatically receive the benefit stated on the card ... why all the additional hoops? I wonder if this is a method of taking in revenue that hinges on a customer not paying close attention to their benefits. Furthermore, by providing some benefits, it creates an illusion that the XXXX and Credit Card company are behaving " above board '' by giving you benefits, when they are not actually awarding the customer all of the promised benefits as stated in the credit card application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation