BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
The Citibank Double Cash card provides protection for Damage & Theft of items bought with the card for 120 days. My sunglasses bought on the card were stolen at the XXXX airport while traveling outside the country. When I came back and asked about the benefit I was asked to file a claim with a Police Report. I filed a police report with City of XXXX and submitted all the information claim form, copy of credit card statement, detailed receipt and a copy of the police report. The claim was denied stating the police report was value and hence the claim has been denied. I tried reasoning with the Citi Dobule Cash Card claims personnel and they refused to entertain the fact that Police report filed was infact true and the claim should have been processed.

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 2016-04-14
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent XXXX debt validation requests to XXXX XXXX and they have ignored all of my requests. I do not recognize this debt and I need proper validation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent every company letters disputing all the alleged debts and delinquent accounts. According to the Fair Credit Reporting Act section 609 and 611 all of these accounts should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I reached out directly to the credit bureaus in writing on XXXX, asking them to verify this account and they told me I needed to contact the company, so on XXXX, I reached out to the collection agency in writing asking them to please provide me with the full payment history leading up until the point of the amount they're saying is owed, I asked for a signed contract, their license and bond to collection in my state ; etcand if they couldn't provide me with the validation of this account to delete it from my credit report. I never received a response from this company, nor was this inaccurate account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
I have an ATT Universal credit card with Citibank. On XXXX/XXXX/15, I wanted to authorize an online transaction in the amount of XXXX British pounds ( a bit more than {$3000.00} ), to a firm in the XXXX XXXX, for the purchase of a collectible item ( a coin ). Citibank 's fraud protection unit often blocks transactions of this type ( they blocked XXXX of mine just three weeks prior ), and I contacted Citibank through its online secure messaging system to notify them that the transaction would be coming and that it was valid. The electronic response I received told me to telephone them, which I did on XXXX. I gave them all the information for the transaction, including the anticipated date it would be completed ( XXXX/XXXX/15 ), and I was assured it would be processed. 

On XXXX, I received notification from the vendor that the transaction had been declined ; I also received an email notice from Citibank that it had been declined. I telephoned Citibank again in the evening of XXXX, and they advised that the account had not actually been noted to approve the transaction ( despite the separate electronic and telephone notifications I provided ), but that they would do so now : I was assured that the transaction would be approved when the vendor resubmitted it the next day, XXXX ( at this time it was already after business hours in the XXXX XXXX ). As further assurance, the Customer Service Representative told me that she or someone else from Citibank would contact me when the transaction went through. 

After speaking to Citibank, I contacted the vendor to authorize him to proceed. 
On XXXX, the vendor notified me that the transaction had again been declined ; I also received an e-mail notification from Citibank that it had been declined, with a request that I contact them to verify whether it was valid. 

I AGAIN verified that the transaction was valid, using Citibank 's electronic verification system, which advised me to have the vendor re-transmit the transaction. I then attempted to have the transaction go forward ... and it was declined again. 

I then XXXX telephoned Citibank, but I was not able to reach anyone at Citibank to clear this up -- both times the phone system just went through voice prompt XXXX -- but when I checked my account online I found that they were XXXX " pending '' transactions for the vendor, each in the full amount. Those XXXX " pending '' items match up with the XXXX separate attempted charges -- each of which was returned as " declined. '' Notwithstanding that the charges were all declined, my available credit limit has been reduced by an amount equal to the total of the XXXX failed/declined transactions. 

I then threw up my hands and ran the transaction using a XXXX credit card -- which went through without a hitch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citibank XXXX credit card claims as XXXX of its XXXX Benefits " XXXX car Rental Insurance ''. It says : " You can be covered against theft or damage up to {$100000.00} for any rental car in any country. Just use your Citi card and decline the rental company 's loss/damage insurance ''. 
In XXXX 2016 I rented car from XXXX in XXXX XXXX. The car got broken into. XXXX passenger side windows were broken. My credit card was charged {$400.00}. I made a claim to Citibank. Sent them all the information as requested by e-mail. Received XXXX e-mail confirmations that they received the documents. 
Today is XXXX XXXX. Two days shy of 1 month. 
I have heard nothing. I have called them three times. They just say that they are working on it. This is a SCAM. I regret NOT getting XXXX insurance. 
Citi should NOT lie about providing a benefit. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello CFPB, I am sure you guys understand the tough situation we are all going though right now, last week we were doing totally fine, 2020 was looking good to me but this week everything changed for the worse. This week I lost my job due to the corona virus issue. 
My employer told me to go apply for unemployment, but unfortunately the benefit wont be enough to cover my monthly expenses.I am stressed, overwhelmed, don't know how I am going to feed my family for the next weeks/months. I don't know what to do. 
I decided to check my credit this week to see my credit lines and see if I can depend on the money if we get to an extreme situation. 

I was heartbroken to see that there was a collection account from a Commonwealth Finance for {$920.00}, I do not understand where is that account coming from, I have been working so hard for the past 5 years to build my credit, always make payments on time, always pay my bill, I have never missed one single payment ever before, seeing that collection made feel hopeless, so much work to build my credit just to be destroyed by a collection account like that, XXXX!! my self esteem is to the ground, everyday things continue to get worse. 

I am reaching out to you guys to help me remove that account off my credit and help me take some weight off my shoulders, I am praying for things to be better, but for some reason they continue to get worse, the past few days have being the worse days of my entire life. 
I am looking for some time of positive news on my life right now, something that will show me that things are getting better, I do not want to continue to feel hopeless. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By submitting this XXXX complaint today, I am requesting to correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One Home Loans took over my loan as of XX/XX/XXXX. I attempted to make a timely payment and their online payment system has an incorrect amount and is charging me a late fee from months earlier that my previous loan servicer waived. I have been attempting to contact their 800 number all week and continue to encounter hold times of longer than 30-60 minutes at times. I had a contact number of someone but they did not answer multiple calls, have not returned the call, and now I lost their number so can not contact them. In addition, I have spent all week attempting to contact the company and make my mortgage payment without success, and now they will say I am late this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Lending Club Corp
State: NC
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 sent an FTC report to all 3 credit bureaus. XXXX and XXXX removed my fraudulent account. On XX/XX/2022, XXXX removed my fraudulent Lending Club account from my credit file. Then again on XX/XX/2022 and again on XX/XX/2022 and again on XX/XX/2022. On four different occasions within a three week span. I don't know why this is continuing to happen and who's breaking the law. But I'm overwhelmed by what's going on and would like to have this fraudulent account from Lending Club removed from my credit file and report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NC
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
American Express aggressively campaigned for existing members to add an interest bearing credit account to their traditional legacy charge cards. The terms included accessing a late fee if you were 30 days past due on your account which was consistent with their charge card policy. 

Now in the middle of the Coronavirus pandemic and financial difficulty for all, AMEX is looking to capitalize on everyones misfortune by Informing cardholders on their XX/XX/2020 statements that they are changing this policy to start charging large late fees IMMEDIATELY when minimum payments are not received by the due date, essentially 30 days earlier to what it was. 

Not only is this an underhanded stab at cardholders, it is a cruel, cold, and calculated way to profit from the misfortunes caused by the Coronavirus outbreak!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
After approximately 8 years of being with Sears Platinum Credit Card, having never missed a payment, with the exception of a week in XX/XX/XXXX, and recently by one week this Month both due to Medical issues, as I am XXXX XXXX, and my wife is XXXX, and being a XXXX, Sears CLOSED THE CREDIT CARD ACCOUNT AFTER 8 YEARS OF ON TIME PAYMENTS, an employee by the name of XXXX, claimed that it was those " XXXX late payments of less than a week in both cases, this year '' NEVER TAKING INTO ACCOUNT, LITERALLY, that we have never had late payments over the previous 7 years. 
SO they decided to close the account based on a review of THIS YEAR. 
And to ad injury to insult XXXX invited me to reapply in a local Sears store, and when I reminded him that I was XXXX XXXX he suggested reapplying online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/20 I called in to discuss the debt. I have been under a lot of duress given that I am going through a divorce currently. I did not want to share that with them and just asked what I could do to resolve the debt via a settlement. I am stating I personally owed it or that the debt is valid, but given everything going on in my life, I just wanted to settle it and be done with it. 

I asked XXXX XXXX to see about what they were willing to settle for given my current state of mind. They disclosed the debt to him prior to him verifying and gave the mini miranda afterwards as well. They makes me very uncomfortable as that means anyone could call in. Secondly they gave me a very high offer and stated if I wanted it lower I had to give out detrimental information to myself. They refused to tell me the date the account charged off which now makes me wonder if this was out of statue. Very deceptive practices. In addition XXXX XXXX, atty rep, XXXX XXXX supervisor, and atty XXXX XXXX - stated that Citibank policy states that we must acknowledge that I would stay on the line in order for the conversation to continue. They would not move forward unless I acknowledge that. 
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 2015-05-23
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
In XXXX 2015, I received email from Sears/Citibank asking for verification of a suspected fraudulent {$650.00} purchase made in another state. I called and confirmed that this was not my purchase. I have not been contacted since, so I logged into their website to get a contact number to check on the status of the fraud investigation. Much to my surprise, I found that my account had been closed. When I called customer service, I was told that my account had been closed 2 days after my phone call in XXXX. However, I was not notified that the account was closed nor did I receive a replacement card. They were unable to provide an explanation for the lack of notification on closing the account or the lack of a replacement card. The rep also told me that the amount of the purchase was {$65.00}, which was considerably less than the amount listed in their email from XXXX. When I asked if a replacement card would be issued, I was asked to provide my entire checking account number to verify my information. They were also unable to provide a current status on the fraud investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Last year I called all three credit Bureaus regarding the inquiries thats been reporting on my credit report. I informed them that Ive contacted the companies and that they aggressively to remove them but hasnt the credit bureaus transfer me to the fraud department and I was told that the matter would be taken care of and now I still see these inquiries on my report including more. Ive been trying to get a Mortgage loan and when I see my report I see more inquiries reporting on my credit from this year XXXX. I have the MyFICO app which told me that my personal information is on the desk web. The inquiries thats listed on XXXX : is XXXX XXXX  XXXX XXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TRANSUNION 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  XX/XX/XXXX sXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 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 XXXX XXXXXXXX. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, i have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts XXXX XXXX account number XXXX XXXX  XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Citi Bank company purposefully dropped my credit limit under what I owe by almost {$1000.00}, without warning or time to bring my balance down under the limit. ( Previous limit : {$4500.00} ... .dropped to {$2300.00} ... .when I owe $ XXXX ) Following is what happened, XX/XX/XXXX, 2017 just before midnight, I made a payment of {$1000.00} to Citi. I realize in the morning payment was for the wrong card. I called and asked Citi stop the transaction. I was told they did not see it in their system. As a precaution, I called my bank and explained what happened and to stop this payment. XX/XX/XXXX 2017, they payment was removed from my account. I called and disputed it. My bank reversed the payment on XX/XX/XXXX, 2017. Now on XX/XX/XXXX, 2017, Citi drops my credit limit to {$2300.00}, which is almost {$1000.00} ( {$970.00} ) under my current balance. I in all good conscience, called and advised them of a mistake. I let them know I would pay a stop transaction fee if needed. But to change a persons limit, purposefully making the amount well, under their current balance, WITHOUT allowing me 60-90 days to pay down my balance to reach the new lower limit .... is just plain spitefulness. I do not care that they dropped my limit! I am concerned that by doing what they did, it is going to reflect negatively on my credit report/history. Which is what they wanted in the first place. I am ashamed that I ever accepted this card.

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