BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
They continue to apply the loan payment incorrectly despite specific directions on the check and multiple contacts and notes on the file with customer service. This has made it past due on multiple occasions. The check clearly states to " apply excess to loan x '' as it is our plan to put even a little extra money to help pay it off early. Yet they continue to apply the entire amount to loan x making us " delinquent '' on the other accounts. I have spoken with multiple representatives who have verified that they understand what it means to apply excess to loan x. As this has necessitated calling in multiple times this brings me to another concern, there is no easy way to speak to a representative. You can not push XXXX, but instead have to listen as they detail that the payment is late and would you like to make a payment. The truth is the payment is not late and this call is to remedy the mistake made by the company and yet I can not speak with a representative until over 5 minutes later. For those of us who work ( especially multiple jobs ) there is not always time to spend 5 minutes going through an automated system and then explain the situation to a representative who says they will do what they can, but that this is how the system works. The system needs to be remedied so that simple directions can be followed on the written checks and applied correctly, making it no longer necessary for multiple calls by the consumer. Further this even helps the company as they do not have to call or email about delinquent accounts that are actually not delinquent.

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 2015-05-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Exxon/Mobil is reporting a XXXX day late payment to the credit agencies from XXXX 2012. I have been a loyal customer of almost XXXX years and have been very adamant about not making any payments that were ever over XXXX days late. I have ALWAYS sent the payments out prior to the XXXX day period and 99 % of the time they arrive early.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Credit determination

Complaint:
In early XXXX, XXXX, I attempted to upgrade my Citi Rewards Card to XXXX which offered a better reward. I have had my current CitiCard for twelve ( 12 ) years and have always paid it in full and on time. My credit limit was raised in XXXX - I thought I was considered a good customer. To my surprise my application was rejected. I called CitiCard and ask why I was rejected. I was told the reason was that XXXX ( Credit Reporting ) was reporting that I had no credit or credit score. This, of course, is obviously incorrect since I have been a CitiCard holder since XXXX. XXXX does not show my CitiCard on my Credit Report. There is an obvious breakdown in communication between CitiCards and XXXX. I think it is also absurd for CitiCards to report to XXXX credit history of one of their ( CitiCards ) customers, then ask XXXX to provide the same information back to them ( CitiCards ) before they will issue a credit card. CitiCards should already have the necessary information on a current customer of theirs. 
Attempting to contact XXXX and speak to a live person who is willing to help correct inaccuracies is very, very difficult - in my case, impossible. I have filed a separate complaint against them. As for CitiCards, I have made numerous calls and spoken to numerous representatives. None of them to date have corrected this problem. 
This is more than an irritation. This affects what I pay for home, auto, etc., insurance. In my case I can show financial damages.

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 2016-03-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the Citi ThankYou Preferred credit card, which advertised XXXX Citi Thank You Points as a signup bonus. I signed up in XXXX XXXX, and should have received the points in XXXX XXXX. I chatted with customer service reps in XXXX, and again in XXXX, and again in XXXX. Each time they said I should be getting the points soon, but as of today I still have n't received the points.

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 2015-06-16
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call between XXXX times a day from multiple numbers and never leave a call back number or voice mail. Previously I 've spoken with a representative who refused to tell me any information about the nature of the call without me giving my social security number which I 'm not comfortable with. Prior to the constant phone calls I 've never received any communications from them by mail or otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Bankruptcy

Complaint:
my sears cc account was closed XX/XX/2012 through a chapter XXXX bankruptcy however its listed as a charge off "bad debt" on my report. I have been trying to get this resolved for over a year as creditor error

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My checking account has been frozen since XXXX I tryed contact the person who froze my account she never responded back I called emailed left message nothing i this time I dont what else to do to get through to her

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank recently closed an account I have had with them for 5+ years for no valid reason I can ascertain. My payment history and account management has been impeccable. I have never been late on a payment, always paying more than the minimum even completely some months, and stayed within my limits to the best of my ability. I may have gone over by {$10.00} or less once or twice but always made a payment to resolve the balance before the next billing cycle. Now they have sent me a letter stating they are not going to renew my card since it has expired. I do n't know if this violates any consume laws or is just bad policy but I felt the need to report it. Thank you for any advice or insight you can give on 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 explanation
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
As previously notified, i am a victim of identity theft

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 2016-06-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Hi There, I signed up for a Citigold checking & savings account promotion, where if one fulfilled the requirements of a promotion, you would receive as stated by Citi, XXXX XXXX American Aadvantage miles credited to your account, at the least 3 months after the statement in which you complete the requirements. I contacted Citigold multiple times after completing the requirements so that they could confirm that I in fact completed the requirements. They confirmed over the phone I had in fact successfully completed all the requirements, and put notes on my account. Not satisfied having still now received the miles now time after the last possible day in which they were supposed to credit it, I engaged with them in secure chat, where once again they confirmed that I had in fact successfully completed the requirements for the Citigold XXXX AA miles bonus as agreed upon in their promotion contract. I have screenshots and printouts of the secure chat as proof. However after still promising to credit the miles in a couple days, it 's now been months since the final day they should have credited the account and I still have n't received the bonus they promised as part of successfully completing the miles. 

They have violated their agreement, and are cheating consumers in promising and confirming successfully attaining their promotion, yet falsely promising as they deny actually giving out the miles

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 2015-04-15
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between 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 2021-01-06
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record.

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 2021-01-06
Company: Sarma
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
With these authorities/leasers, this account had no record that ever belonged to me. I have tried several times to contact them to ask for evidence of ownership, but they have not given me the requisite paperwork to show that I actually own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: MN
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : XXXX XXXX, XXXX Debt Amt : XXXX Paid, Settled Amt : {$1400.00} Reason : Has not removed lawsuit submission, has not sent a letter that the account has been paid, settled, continues to bill me for {$1600.00}. 

I found out about this debt while looking up my name in the XXXX Superior Court case information website. 
I contacted XXXX XXXX, XXXX ( phone number listed on case XXXX ) and was connected to a representative, who threatened that legal action would be pursued if this debt would not be cleared. She stated that XXXX XXXX XXXX would accept a negotiated amount of {$1400.00} to clear this debt, if it was paid in 2 days. 
I paid {$1400.00} to XXXX XXXX in XX/XX/XXXX, over the phone. 
XXXX XXXX XXXX stated that they would send a resolution letter within 1 business week, stating that the account has been settled. They also stated that the lawsuit would be dropped. This is the 3rd business week, and I have not received a resolution letter & the lawsuit is still in place. Three weeks after settling this account in full, I received a letter stating that I still owe {$1600.00}. When I called XXXX, they could not provide answers regarding both the lawsuit and the correspondence letter which was suppose to be sent.

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 2021-01-06
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:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept 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 2015-06-17
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a house in XXXX XXXX with a XXXX and XXXX mortgage. 
I was unable to make payments due to a separation from my wife in XX/XX/XXXXThe XXXX mortgage holder XXXX Citimortgage XXXX filed a lawsuit. I was neverserved, however, CitiMortgage was able to obtain a judgment for {$26000.00}, the original loan amount was {$27000.00}. I paid CitiMortgage {$280.00} per month from XXXX XXXX until XXXX XXXX which equals {$27000.00}. Basically I almost repaid the loan. Now they froze my bankaccount and are asking me to pay over {$26000.00} or $ XXXX sump with an additional {$4000.00} over a short period of timeto unfreeze my account. How can a bank be allowed to do this? Why do I hhave to pay them XXXX the amount. They should not be allowed toextort money out of deceptive loans. They made a settlement with theAG office claiming that they would stop deceptive practices. This isbeyond deceptive. I was never serve with Court documents, hencewas unable to defend/show evidence of the deceptive loan. Nowthey want to drive me to file bankruptcy or pay them. They do n't evenanswer my calls and want me to settle with their law firm XXXX XXXX, XXXX, XXXX XXXX XXXX. ) Since it appears that I have no choice I offered to pay $ XXXXper month on XXXX/XXXX/XXXX, but they did n't accept that. As a result I amfiling this complaint. This is a nightmare. Do n't wish this upon anyone. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As of XX/XX/2021, I have requested SPS Financial to debit my XXXX XXXX Account ( XXXX ) for an Escrow ( Taxes and Insurance ) payment of {$900.00}. I am behind on my Escrow payment and am making good on my debt - I want SPS Financial to accept my payments so that they can not somehow sell of my home in the future in a tax sale. Further, I have setup a complete payment of {$2100.00} for XX/XX/2021 so that there will be no partial payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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:
In accordance with the Fair Credit act PORTFOLIO RECOVERY ASSOCIATES # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation