BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX XXXX, I received a message from Macy 's American express asking if I was trying to make a fraudulent charge in the amount of XXXX, I replied no, then they called me to verify and cancelled the card, buy they went ahead and authorized the charges, plus XXXX more, for a total of XXXX. 
I have sent the dispute letter XXXX times already, call them on a daily basis and they have n't resolve anything.

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 2017-05-22
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: Account status incorrect

Complaint:
On approximately   XXXX   XXXX  2017    I made the required payment and extra. On   XXXX   XXXX    2017  I made another payment for   XXXX   XXXX  2017   , it was applied to the principal. I spoke with The company  XXXX   XXXX   XXXX ,  XXXX  representatives on three occasions about  XX/XX/XXXX    payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On   XXXX   XXXX  2017    I reveiwed my credit report to discover that  XXXX   XXXX   XXXX  list the account as delinquent for sixty days. I called the company again and the representative hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
My Home Depot card had XXXX promotional balances : XXXX/XXXX/16 {$1400.00} XXXX/XXXX/16 {$2000.00} XXXX/XXXX/16 {$310.00} I paid {$100.00} on XXXX, {$90.00} of which was for the minimum payment. On XXXX/XXXX/16 I paid another {$100.00} toward the XXXX/XXXX/16 promotional balance. On XXXX/XXXX/16 I paid {$2000.00} to satisfy the balance owed of {$1300.00} and the balance of {$700.00} to be applied to the XXXX/XXXX/16 promotional balance. Home Depot now shows that I owe {$2600.00} on the XXXX/XXXX/16 promotional balance. I am prepared to pay the correct balance of {$1300.00} on XXXX/XXXX/16 but ca n't since they ca n't seem to fix it. I have contacted them via e-mail, online chat and phone at least 10 times already. Now they tell me it is going to take 1-2 billing cycles to fix it. It only took them a day or two to make a mess out of it. Please help!

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 2020-04-13
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-01-27
Company: The CMI Group, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed XXXX claims through CFPB last week - # XXXX & XXXX regarding XXXX and XXXX ( company XXXX. Selected to collect the " early termInation of account penalty ''. After I filed XXXX responded in yor case file records and stated they no longer are involved .. XXXX selected another company-Credit Management L P of XXXX , TX . I had previously sent letters to XXXX explaining why I did not owe XXXX for the penalty they submitted only final bill. I paid my bill in full ; I did no pay for the penalty they assessed. I have denied owing the penalty. 
XXXX claims I owe charges {$130.00} for a new service connection while I was contesting the penalty. I was lied to by XXXX representatives when I re-connected my service when they specifically told me my my new account would not be linked to or affected by the penalty. My service was disconnected 5 days after my XX/XX/XXXX re-connection. I received a bill for penalty and new services. I returned all equipment immediately only to have XXXX bill me {$130.00}. An amount I do not owe because of false representations made to entice me to re-connect my service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX around the XXXX I received a bill for a Macy 's American express card, that I do n't physically have. My husband and I do not carry any American express cards as we do not care for them. I called Macy 's and talked to customer service and told this the the customer service person and that I did not make those charges. I also asked them to cancel my account, that I did not want an account at Macy 's. The customer service person gave me a case # and told me the information was filed and account canceled and fraud recorded. Then I received another bill on XXXX XXXX saying I now owe {$77.00}. I again called and they said the account was canceled and I needed to fill out a fraud form that the records of my call on XXXX only canceled my account. XXXX XXXX a letter was sent to me to fill out a fraud form, which I did. Then I received a late notice dated XXXX XXXX on my account but now there was a new account number, and I received another bill, this time the bill had the new account number. I called Macy 's back again on XXXX XXXX, 16 at XXXX and was told it was still being disputed but they did cancel the card and issue me a new account, which they were now closing. XXXX who I spoke with said the case number I was given was not a real case number and maybe a new employee gave me wrong information. Again I restated the issue and he said I needed to call the trade commission and gave me the phone number. I called this number and it was not in service. I called back the fraud department of Macy ; s and was told that was the only number they had, that maybe I should XXXX research it. Then I received another letter dated XXXX XXXX, 2016 from Macy 's fraud department to file another form. Which I did! Today XXXX XXXX, 2016 I just received another bill with additional fee 's charged for being late, and now my bill is up to {$150.00} from the original {$49.00}. This is when I finally found a new number to call for the Federal Trade Commission and called because I do not know what else to do, and I am worried about my credit report when I keep getting over dues fees.

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 2022-05-05
Company: SYNCHRONY FINANCIAL
State: TX
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:
Below is a dispute letter I sent to Synchrony Bank three times. 

____________ Hello, I am writing to dispute a charge that has been going on for over a year. 

In XX/XX/XXXX, I placed two orders ( # XXXX and # XXXX ) and returned the items in both orders shortly after they had been received. 
I then received return confirmation emails on XX/XX/XXXX and XX/XX/XXXX, and the refunds were reflected on XX/XX/XXXX account statement. 
There should have been no transactions related to orders # XXXX and # XXXX after that, however, two months later in XX/XX/XXXX, those two charges {$120.00} and {$190.00} showed up again. 

After speaking with representatives of your bank more than a dozen times and sent a dispute letter on XX/XX/XXXX, one charge ( {$180.00} ) has been resolved but the other charge ( {$120.00} ) is still showing up on my account. 

Date Transaction Order # Amount ( USD ) XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Refund XXXX XXXX XX/XX/XXXX Transaction Balance Transfer XXXX?????? 
XX/XX/XXXX Transaction Balance Transfer XXXX?????? 

XX/XX/XXXX Dispute filed XX/XX/XXXX Dispute partially resolved XXXX I HONESTLY DO NOT UNDERSTAND WHY THE BANK IS DRAGGING OUT FOR OVER A YEAR WHEN THIS SIMPLE TECHNICAL GLITCH COULD HAVE BEEN FIXED AS SOON AS I CALLED ON XX/XX/XXXX. 

Please refer to the enclosed dispute form and statements, and fix the error accordingly. 

Hope to hear back from you as soon as possible. 

Thank you, 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 monetary relief
Consumer complaint received 2020-04-09
Company: EQUIFAX, INC.
State: AR
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:
My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sooo many calls from the scam bank XXXX  # XXXX and many, many more different numbers. 
They are calling for a XXXX XXXX XXXX ( not our name ) who owes XXXX XXXX money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After being discharged from this medical facility I was provided with medical records for another patient that was being seen on that date. I could not even provide proof of hospitalization to my school due to this huge HIPPA violation. In addition I received a bill for test that I am not even sure was performed on me. At that time I was pregnant but according to the test results that belonged to another patient I was not. I have sent a debt verification letter to request detailed billing and I tried to contact some in the billing department of that medical facility shortly after being discharged. I have no trust in this medical facility or any charges that I am deemed responsible for.

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 2020-04-09
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have two student loans which are being serviced through American Education Services. I have applied two separate times for loan forgiveness only to be denied on a technicality of paperwork. 

I applied on XX/XX/2020 and was denied because I did not put my name and Social Security number on the back back of the page. The same information was on the front side of the application and it was on one sheet of paper. I was told I would have to start the entire process over. 

On XX/XX/2020, I resubmitted the application and was again denied because the date was not in the correct format dd/MM/yyyy. The dates were there just not in the format they wanted. I was again told I would have to resubmit the entire paperwork. 

Being denied due to some minor technicality is ridiculous. This is an unnecessary burden to something I am entitled to. 

In addition, I am being told I have to continue my payments even though the federal government has suspended all payments for student loans that are not private. They are violating the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
my father passaway XXXX this year. unknown to me he had a XXXX mortgage that he paid religious for XXXX. as soon as he passing the mortgage start writing about forcloure. i now live in his house and is on XXXX. my father pass away with XXXX. he would not sign a contract with pathetic interest rate.the use to do people tax return ; he would not sign that contract if he was in is right mind.BOTTOM LINE I THINK THEY TOOK ADVANTAGE OR MY DADDY.i was his caregiver ; and i am his son. i am awaiting for his medical records to see when he was diagnois with XXXX. i talk to the vet hosital today and they told me it is in delay

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citibank Texas NA was sold to XXXX XXXX XXXX on XXXX XXXX, 2015. On XXXX XXXX, 2015 I visited the branch on XXXX XXXX XXXX TX and learned that the bank was being sold. Due to my personal needs and my desired relationship with Citibank I wanted to know how to not have my accounts sold. I was told that I had the right to opt out and was provided a form to sign for that specific purpose. I was not provided a copy of this signed document by the branch employee ( I was in an office not at a teller window ). Part of my relationship with Citibank is access to money via their Citigroup while I am XXXX or not located near a bank. I do not have this option with XXXX XXXX XXXX and knew that I would encounter difficulty accessing my monies. 
On XXXX XXXX while logged into my online banking I became aware that my savings account was not showing up. I learned by calling the customer service center that XXXX of my XXXX accounts with Citibank was in fact sold to XXXX XXXX XXXX even though I had signed the opt out. 
To date I have spent 15 hours trying to resolve this issue. I have been on the phone to the XXXX response team more than XXXX occasion. The financial hardships, fees and costs related to this event are still accumulating. 
As a result of losing my direct deposit savings account - my Citibank account was charged a service charge it had never incurred the entire 4 years of my account. This caused the account to overdraw subsequently causing a NSF reporting to this account. Although Citibank refunded the monies associated to these charges my credit has been marred from its perfect internal status to one of now having a negative reflection. 
Citibank violated my privacy rights and forced me into a banking relationship that I never wanted. Citibank has now shared my personal financial information to a bank that had no right to ever know or see that information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
My wife was trying to trade her vehicle in for a newer model and she was told from my salesmen that she could not make any trade. We asked why and he gave us no explanation. We pulled our credit on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2018-08-07
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had fallen behind with Wells Fargo home Mortgage and tried to do a loan modification, I was referred to a broker and basically took so long I lost my home.

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 2020-04-09
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Unauthorized withdrawals -- - XX/XX/XXXX, XXXX Unauthorized quickpay by XXXX through chase mobile app for android to XXXX XXXX XXXX the amount of {$500.00}. 
XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXXAnother quickpay to XXXX XXXX in the amount of {$500.00} XX/XX/XXXX, XXXX 2 quickpays to XXXX  XXXX in the amount of {$500.00} each. 
XX/XX/XXXX, XXXX 2 quickpays to XXXX XXXX in the amount of {$200.00} each. 

Contacted Chase to report the fraud on XX/XX/XXXX at XXXX EST. 
Chase reached a decision stating I was responsible for the unauthorized transactions on XX/XX/2020 at XXXX EST. They refused to re-investigate because quickpay was used and wouldnt track the recipient of the unauthorized funds. I swear these weren't authorized charges or subject me to perjury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I allowed my son to use my account and he paid the bill. Upon his passing we found out that the balance was over {$17000.00}. and we were told that because the account was in our name we were responsible. Our credit limit was XXXX, very sufficient, but Home Depot took it upon themselves to extend credit beyond that amount. I feel that we should be resposible for only charges upto the credit limit. I have never heard of any credit card extending credit without the knowledge, consent or request of the card holder, but I guess with approx. 24 % int. they did n't care.

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 2016-05-24
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked GLA Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CITIBANK, N.A.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a call and was connected to a " Mr. XXXX '' who answered the phone as simply " law offices '' when I asked for the name of the law office he said he works for a network of attorneys with what sounded like " Client Mediation part of XXXX XXXX XXXX '' representing CITI Corp. He never recited the mini-Miranda to me and just said he said he was offering to settle for pennies on the dollar of my debt that he said was over {$10000.00}. He said he would file his lawsuit if he didn't get paid by the XXXX. I asked for dates of the debts and he said it was charged off in 2014 and that the statute of limitations was 7 years ( it's actually 5 in my state ). I told him i would need to see all paperwork pertaining to this and he said I was just trying to use stall tactics and that he was done playing games and that I am obviously not serious about this matter and would just go ahead with filing his lawsuit with the local ( he listed the city ) courthouse and since the amount was so high it wouldn't just be small claims. He said to make sure I have two forms of ID for when I get served. I hung up on the man and he immediately called and left me a voicemail with more threats which included, having all my licenses suspended, he listed three people 's names close to me and said I could explain to them why they are being summoned to appear in court, and that he would put a lien on all my properties.

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 2016-07-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Gold checking account with promotion code XXXX. This promotion was for XXXX Thank You points. I met the terms of the promotion. On multiple occasions I called and asked if I was enrolled in the promotion and I asked when I would be receiving my points. I never got my points despite Citi informing me that I was enrolled in the promotion and met the terms of the promotion. Eventually I opened a support ticket to get my points. Citi then stated that I was not targeted for the promotion and that I already had opened an account recently with Citi which disqualified me from the promotion. This is not acceptable. Citi should not inform me that I met the terms of the promotion and was enrolled in the promotion only to tell me after I met the terms of the promotion that I was not eligible to receive the promotion. This is completely unacceptable behavior. I have been reading accounts about this happening to many other individuals online. Citi should honor its word.

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