BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. 
I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has XXXX liability to pay the account. 
I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. 
I informed them they were in violation of the FCRA, and they basically said, " tough. '' I would like to file a formal complaint to have Citibank stop this deceptive practice.

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 2016-08-08
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, After receiving a promotional offer code for a Citibank checking account that would earn a XXXX XXXX mile bonus after meeting a few requirements, I signed up for an account using the code on XXXX/XXXX/2016. 

I then confirmed with a Citibank representative in XX/XX/XXXX that I had met the requirements and would be receiving the bonus. On XXXX/XXXX/2016 I received a message from Citibank saying that I did meet the requirement and would receive the miles in XX/XX/XXXX or XX/XX/XXXX at the latest. I have a copy of this message as proof. 

When XX/XX/XXXX came I received no miles, I sent a message to Citibank to check in. At this point Citibank said that, even though I had previously been told I would get the miles, I was not actually eligible for the bonus and so would not be receiving the miles. This seems to me to be blatant, false advertising. I would like the XXXX miles that I was promised and my {$60.00} in fees paid while I waited refunded. 

Thank you for your time and 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 monetary relief
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
my credit report says that I opened a credit card account on XXXX XXXX with Citicards CBNA. I never even heard of this company before let alone open an account with them. Could you please help me.

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 2021-04-27
Company: EQUIFAX, INC.
State: AL
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. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a New CitiGold Checking Account online http : //www.offer.citibank.com/ with a promotional code XXXX for a bonus offer. The bonuses offered XXXX AAdvantage bonus miles in exchange for opening a CitiGold account and set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. 
I called Citigold right after I applied the account on XXXX/XXXX/2016 to ensure that I am eligible for receiving the XXXX AAdvantage bonus miles, I confirmed with a representative from Citi that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements XXXX/XXXX/2016. I was asked to provide my XXXX XXXX account number to Citi so they would be able to credit the miles. 
When the miles had not posted a few days after the XXXX, 2016 statement, on XXXX/XXXX/2016, I called Citi to follow up on receiving my miles, The Citigold representative confirmed that I had indeed completed all requirements associated with the aforementioned promotion code, and that, per the terms and conditions of the offer, I would receive the miles 90 days from the end of the statement cycle in which the requirements were completed. 
However I was then informed by Citi on XXXX/XXXX/2016 that I was not eligible for the promotion since " There was not a promotion offered in conjunction with the opening of your account '' ( see attachment ). 
As stated above, I met Citi 's requirements and was eligible for the promotion as I was adhering to their terms and conditions for the promotion. I do not appreciate their continued willful denial of these terms, and their refusal to award me the points I have earned, all while I still keep an outstanding balance in Citigold account per their request to avoid the monthly fee. 
This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not do it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. 
I am a consumer who has been a good customer of theirs and has never missed payment on any of my services with them. Their denial of this promotion to me, despite their own employees confirming I was eligible prior, feels like a bait and switch tactic. I am turning to the CFPB as I feel I have no other resources. 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 non-monetary relief
Consumer complaint received 2015-03-20
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I am hereby writing to you with respect to the Citi Prestige card ( card number referenced above ) and the Annual Companion Ticket. 
I became a Citi Prestige card member on XXXX XXXX XXXX. Upon joining at this time, we received documentation from Citi Prestige indicating the applicability of the Travel Companion Ticket and its conditions ( refer attached ). 
XX/XX/XXXX, I was advised of some changes impacting the Citi Prestige card, one of which was to the Annual Companion Ticket. However, the documentation which I received from Citi Prestige ( refer attached ) indicated that the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
When I read this, I was of the understanding as clearly stated in this communication that I would have until XXXX XXXX, XXXX to make my booking and be eligible to utilize the Annual Companion Ticket. 
In light of this on Sunday evening XXXX XXXX, I called Citi Prestige to understand the booking process for a trip I have planned for later this year with my wife. To my shock, the customer service representatives who spoke with me said that I was not eligible for the Annual Companion Ticket. What was also perplexing about this was that when I inquired as to why I was not eligible for the benefit, I was provided different reasons by multiple representatives, none of which made any sense including one representative who indicated to me that it was perhaps me who was n't comprehending the 'changes are coming to your Citi Prestige Card document even though this document clearly indicates the Annual Companion Ticket for travel to any worldwide destination and XXXX % savings on airfare must be booked within a year from your first cardmember anniversary date. 
In this respect, I will be filing a complaint with the Consumer Financial Protection Bureau and furthermore, I would like to highlight my disappointment in the customer service I have received with regards to this issue where I have been made to feel like I am the one in error. I am U.S. permanent resident who moved to the U.S. in XX/XX/XXXX. I have banked with Citibank since this time and also held a Citi Credit Card since XX/XX/XXXX and I have never been so disappointed in the Citi service, and ultimately their representation of their product. 
In summary, I hereby kindly request that Citi Prestige uphold my eligibility for the Annual Companion Ticket as is stated in their communication.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-29
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
At the Home Depot XXXX # XXXX store ( in Arizona ) in XX/XX/XXXX, the cashier offered me a discount if I signed up for a Home Depot credit card. I did so. The charge for the purchased products at the time was about {$50.00}. 
On the morning of XX/XX/XXXX I received a call from Citibank asking for a payment of over {$150.00}. Between XX/XX/XXXX and the end of XX/XX/XXXX, I have not received any information about the account - including a physical card, statements, account number, etc. 
When I asked them to remove the late fees and interest charges, they refused to do so, even though they never provided me with any payment information prior to this time. I have asked them to cancel the account. 
Unfortunately, I can not provide any specifics since I have no documentation from the company or any kind of access to an online account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-06
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been getting recorded calls from EOS but I can not get a response to the origination of the debt in collections - if they would tell who was originally owed but they 've been vague and no details provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. 
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: EOS Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A debt has appeared on my credit report from EOS CCA for some time. I have tried to dispute it in the past and it has never been removed. The original debt is from XXXX XXXX, a company I have not done business with in over 6 years. They are unable to provide me with any proof from this and it continues to appear with a new date every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: EOS Holdings, Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I received a negative collection on my Experian credit report for the company EOS CCA. It shows the original creditor to be XXXX. I do not have nor have I ever had any delinquent accounts with XXXX. I contacted XXXX and about this issue and they stated that they had no record of a collection or any type of delinquent account in my by my SSN/Name. I disputed the collection with Experian and it came back as being founded. This is NOT my account and this EOS CCA company is fraudulently putting times on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have been in an on going dispute with Citi Bank regarding {$410.00} since XX/XX/XXXX. I was given the money back 3 weeks ago and paid the bill that they never did with my Debit Card then last week without my consent they added the {$410.00} to my card again. I called yesterday and they admitted it was there mistake and would credit me back. I called today for a follow up and got the run around about looking in to it still and not sure how long its going to take by XXXX and XXXX who a customer account supervisors. I just want my money that is not owed returned to me so I can cancel this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Late fee

Complaint:
Went online to my bank to pay bill 2 days before it was due. The next day was grayed-out on Citibank 's Bill Pay and would not accept payment, which was not the case with other bills I was paying at the same time. They were open to receive payments the following day. I called my bank and they said it must be a problem on Citibank 's end. I paid, assuming that they have a grace period like other credit cards when the due date is on a weekend. The payment reached them on Monday and I was charged a late fee. I called them and asked that it be forgiven as a one-time courtesy, as I have never missed a payment and have always paid in full, which is also this case with this payment. They refused to remove the late fee.They charged 14 % interest for 2 day late fee which works out to roughly 2,500 % annualized

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 2016-05-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I am XXXX XXXX from XXXX and I have looked at my credit report and noticed that a company that is from your state is listed on my credit report. I had a representative to contact this company last week on my behalf as I have a busy days during the week. After careful research my representative saw that this company is not authorized to collect or licensed to collect in my state of XXXX. XXXX has a specific rule as it relates to who is able to collect here. XXXX XXXX XXXX appears on my credit report and their license has expired according to the XXXX Office of Financial Regulations and with the business licensing division which is confirmed by our state 's website, XXXX. In order to collect in XXXX you must be licensed with both agencies and in good/active standing, which this company is not. My representative called and asked to speak with the office manager and or their compliance officer, and when she was asked what the call was in reference to, she explained the above. She was transferred to a guy that said his name was XXXX XXXX, who represented himself as the company 's legal counsel. He went on to denounce the claim verbally with the representative and attempted to scold her for not being an attorney ( which she never represented herself as such ). After more review by via reviewing the XXXX Bar Association website there is no active attorney in XXXX with the name of XXXX XXXX, and the only one that was listed was a deceased attorney. Fidelity Information Corp is willfully and maliciously violating XXXX State Law, FDCPA ( Fair Debt Collection Practices Act ), and is using deceptive practices and false representation. 
I am sure your office does n't support businesses in your state operating in such manner. The company was contacted to give them an opportunity to rectify the problem however they have failed to do so, and them continuing to report an account they ca n't legally report is very damaging to me as well as my family. Mind you, I have never had any contract with this company AT ALL! At this time there is no current court action pending, there has n't been in another legal actions prior with this company but if this ca n't get resolved expeditiously, then legal action will definitely go forward. 
I have letter I faxed to them, as well as proof of Expired status with both XXXX Agencies, as well as a copy of the XXXX Bar website with the only XXXX XXXX being a deceased attorney. Has this XXXX XXXX with XXXX XXXX XXXX ( if that is his name ) tried to assume and resurrect the identity of this deceased attorney " XXXX XXXX ''?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: First Associates Loan Servicing LLC
State: VA
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:
I attended XXXX in XXXX va from XX/XX/XXXX until XX/XX/XXXX when I graduated with an XXXX in XXXX XXXX. During my time there I was told that all of my student loans were taken care of through federal loans or tc temporary school credit which I would pay back. When I graduated I was told my loans took care of all my debt and I did n't owe anything. Well ive been getting notices from XXXX for the past 3 years and they all said account balance {$0.00}. Today I received a notice from XXXX saying that I owed {$29000.00} for a loan and I was {$11000.00} past due with a payment of {$370.00} a month. I am unaware of this loan being that all my federal loans are together and add up to {$40000.00}. I did n't take these loans out to my knowledge and believe I was tricked or lied to about how my tuition was paid. I would like to be part of the lawsuit against XXXX for predatory practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is regarding my mortgage servicer DiTech Financial LLC which was formerly Greentree. A month ago I got an escrow notice from DiTech that said I owed them {$2100.00} additionally for escrow. The prior year I had given them an additional XXXX to cover escrow shortages - which made sense as my insurance and taxes went up. This year my homeowners insurance did not go up and my taxes also stayed close to last years amount, therefore if they were able to pay my bills last year with the monies taken out of escrow why then do I need to pay them an additional {$2100.00}. As a result, I called and took on the personal liability of my homeowners policy - a {$1200.00} amount no longer needed to be pulled from escrow. I got a revised statement saying that I now owed them {$1900.00} for additional escrow monies. My problem is that this does not make sense, my escrow amounts did not go up significantly and I took {$1200.00} out of escrow payments. The mortgage servicer knows what my homeowners and taxes are - they are close to the same every year - so how can have made such a big mistake in collecting the required escrow monies with the resultant shortfall of {$1900.00}. Now not only do I have to pay {$1200.00} to my insurance but I am pretty much still paying close to their original amount. This makes no fiscal sense. I tried to get them to see this and ask how this is possible but get no satisfactory answer. From a servicing standpoint it is their job to know the amount that would be required for escrow. As a consumer to be all of a sudden asked for an additional {$1900.00} out of my budget is shocking and unfair as I have been paying all along. There should have been little to no change.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation