BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-28
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a credit card with citibank since XX/XX/XXXX.ALL of the payments were made on time and ALL of the payments were paid in full EVERY month. Citi bank has only reported 14 months of payments in the history part of the credit report. This is hurting my credit rating by aprox XXXX points. I have contacted citicard numerous times and the bureaus to get this corrected. it is stopping me fromgetting a loan and my insurance rates are higher than what they should be. there are 216 months of payments that should be reported in my payment history.the credit bureaus keep telling my my score is low because I dont have a long enough payment history and I dont have enough lines of credit. I have XXXX credit cards and can not get a XXXX one because my score is low due to the short payment history that citi is reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I opened an Exxon Mobil credit card in XXXX 2014 account number XXXX. The account is in good standing and is correctly being reported to XXXX and XXXX. However, it is not reporting to XXXX. I contacted XXXX and they said the account is not being reported to them and I would need to contact the creditor. I contacted Citibank ( issuer of the ExxonMobil card and they confirmed they are reporting my account to all XXXX credit bureaus. I keep getting the runaround.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My husband obtained a Best Buy credit card and I DID NOT apply for this card. Best Buy added my name to the card as an authorized user at some point. My husband 's failure to make payments has resulted in my credit being negatively impacted. Best Buy refuses to supply the original credit application to verify who signed up for this card. They continue to say that I am responsible for this debt.

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 2016-08-20
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Other fee

Complaint:
I attempted to make a payment online and their system drew from the wrong account. They refused to make it right. Apparently, this is a common issue for them as their representative stated that they have had several complaints like mine.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect

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 2017-02-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
this is a joke and illegal, 4 months later after I have did what I had to do I still as of XX/XX/2017 not received my {$400.00} checking bonus from Citibank. I want my {$400.00} and I think that Citibank should be fined or something for this XXXX they are pulling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12
Company: CITIBANK, N.A.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi bank had a promotion for City Gold Checking where they would reward you with XXXX airline miles if you completed all the requirements. I opened the account in XX/XX/XXXX but they made a mistake and opened a basic checking and when I inquired they stated they had system issues but they did find my application in the gold department finally. I had made out XXXX applications for the gold as their system was down and they instructed me to fill out another application. I finally got the account set up for the gold and the funded the account. I inquired with a rep named XXXX to see that I was set up for the correct promotions of XXXX American Airline miles and she assured me that I was and stated they were going to waive the monthly fees because of the issues. After a couple of weeks I contacted Citi Gold again and talked with XXXX and reviewed with her all the requirements that I needed to meet by the XXXX XXXX, 2016 deadline. I meet all the requirements within the time frame and contacted Citi by message to verify that I had met them and received the attached response that I would be awarded the miles in my American account by XXXX/XXXX/2016 and I checked and they were not there by XX/XX/XXXX. I contacted Citi and the rep stated that XX/XX/XXXX was not a business day and to wait and they would be in the account. I then waited two days and then contacted Citi again and they put in a claim which came back and stated there was no promotion offered in conjunction with the opening of my account but every rep I contacted before stated the opposite. You had to enter in your offer number in order to even get to the application page in order to apply for the account. I since have contacted Citi twice and again each findings state the same thing and I now know that as of XXXX/XXXX/2016 Citi was not issuing any miles to anyone so I have no idea how many people have been denied the miles they were entitled to.

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 2016-10-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I overpaid my Macy 's XXXX bill XX/XX/2016 by {$1800.00} due to the fact that we changed our minds on the type of furniture we were purchasing. Macy 's acknowledges the overpayment and confirmed my credit balance. I have made several requests since XX/XX/XXXX to have a check generated for this credit balance. Several, several calls have been made with Macy 's making excuse after excuse as to why I have not received it.

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 2016-11-25
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern ... 
My name is XXXX I 'm the XXXX of my mother 's estate XXXX she past on XX/XX/2016. Before she past,, sHe was telling me about the house, she had a year left on it ... after she pass I paid XXXX on the mortgage to CitiMortgage ~ Citibank sent me a summary of previous balance {$4300.00} I call them back trying to see if they lower the payment cause I 'm XXXX I 'm on a fixed income XXXX $ a month,, they begin to tell me we ca n't talk to you because you not on the account, ,I hired a lawyer to make me the XXXX of the account when I got that finished l call back and they were telling me my mother owes {$28000.00} house they sent me a letter XX/XX/XXXX about affordable modification program " XXXX '' I call when I got the letter trying to get some understanding and I spoke with XXXX he was very difficult I said I 'll call you back I called the next day which was Wednesday of this week they told me somebody or call you Friday morning XXXX call me this morning and he was once again difficult I could n't get no understanding about modifying my loan I asked him could you please switch me to another worker or his supervisor he was trying to get me in a argument with him so we not no understanding I would n't do it so he hung up on me When she first got the house we came over to look at it an congratulate her,, she was explaining to me that she had XXXX years on the house they wanted XXXX in XX/XX/XXXX at XXXX a month next year will be 20 years XXXX times XXXX XXXX. And some change now they are saying the payment is XXXX month an she got the house in XX/XX/XXXX I have the deed it says XX/XX/XXXX my mother she did n't handle business lik that ... dealing with those guys have been a headache XXXX ... they 're trying to take advantage of me and the situation I would appreciate some help or advice to get to the bottom of 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 2016-01-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On or about XXXX XXXX, 2015 I received a message from Citibank advising me that due to suspicious activity on my account ending in XXXX another card was being issued. The message stated that I could still use the card XXXX until the new card arrived. I checked online and noticed numerous charges on my account ending in XXXX. I had given the card to my son, XXXX XXXX to use in an emergency. I tried to contact XXXX to tell him to stop using the card. I was unable to contact him. I called XXXX and spoke to XXXX ( I.D . # XXXX ) on XXXX XXXX, 2015 and asked her to freeze the account. I checked my account later and found that more charges had been applied to acct. XXXX. I called Citibank again on XXXX XXXX, 2015 and spoke with XXXX. She said a freeze was applied to the new card issued XXXX but not applied to XXXX card. I told her that made no sense as I had not received card XXXX. She agreed and apologized for what she called " the confusion ''. I told her I was not responsible for charges after XXXX XXXX as I had requested account be frozen. Account XXXX was closed and another card XXXX XXXX was issued. I checked my account later and all charges after XXXX XXXX, 2015 were still posted to my account. I called on XXXX, 2015 and spoke with XXXX . He said he would " take care of it ''. I checked my account again on XXXX XXXX, 2015 and all charges were still on my account. I called Citibank again on that date and spoke to XXXX ( XXXX # XXXX ). I checked my account later and charges had been removed from account. I checked my account XXXX XXXX, 2015 and some charges had been reapplied to account. I called Citibank and spoke to XXXX, then XXXX in Florida office. I was told that phone conversation from XXXX XXXX, 2015 would be reviewed and I would be receiving a letter from XXXX I have heard nothing from Citibank since and charges are still posted to my account. Since I was unable to contact my son and tell him to stop using card XXXX I felt my only option was to have the account frozen. I was told this was done. It was not. My agreement with Citibank states that I am not responsible for unauthorized charges. Charges made after XXXX XXXX, 2015 were not authorized because I had requested that account be frozen. Citibank seems to be refusing to accept responsibility for a mistake made by their employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Other

Complaint:
I have an account with XXXX. My address changed and I updated the address in the store with an employee 12 months ago. I shop here maybe 3 times a year. I made a purchase at XXXX ( XXXX ) XX/XX/2016. I always use my XXXX card to pay for my purchases because of the XXXX % off of your purchase you receive for using it. XXXX % of the time pay it off after I charge it. This time I was in a hurry and did n't. I never received a bill. I shop here so infrequently that I was n't looking for it. 3 months later I receive a call from a collector at Citi on my cell phone stating I owe on my XXXX card. I explained to the Citi customer service employee about the mix-up and paid the amount in full. Even one of the late charges. As I was on hold, I logged into my XXXX Credit Report site and realized they had posted this and my credit score had dropped over XXXX points. I explained that I needed to speak to a manager and she put me on hold for 10 minutes only to come back and give me the contact information to contact XXXX. I told her no, I need to speak with her manager. I was then transferred to a Escalation Specialist who told me Citi was not responsible for the mistake of XXXX, that was their mistake as XXXX changed the address on my loyalty card and not on my billing address. THIS WAS NOT EXPLAINED TO ME. The escalation specialist gave me XXXX options to have negative removed from my report : 1 ) go to the XXXX retail store, speak to the manager about what happened, then call Citi and explain to them what happened with the address change 2 ) fax in a dispute. I happened to be at the mall so I walked in to the XXXX and had a manager speak with the escalation specialist. The escalation specialist 's story changed to the manger and quickly transferred the XXXX store manager to someone above her who told me I would need to fax in a dispute. I just can not believe a company like Citi is able to be so deceitful unfair and misleading to customers. I did n't pay my bill when I made the purchase, my fault. I PAID WHAT WAS OWED IN FULL as soon as the error was found on my part. I changed my address in the store and they said it was updated. I NEVER RECEIVED A BILL!!!

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

Complaint:
I opened a CitiGold checking account online in XXXX of XXXX. I was an existing Citibank customer with a credit card that earns 'Thank You Points '. The checking account was opened using a promotional offer from Citibank, which offered a bonus of XXXX Thank You Points ( worth roughly {$500.00} ) if the I met the following conditions within two months of opening the account - I simply needed to make 2 online bill payments in 2 consecutive months. I opened the account, and verified ( via Secure Message and using their Online Chat application ) with Citibank that my account was opened with the promotional code and eligible for the promotion, and that I had met the requirements the receive the bonus Thank You points. I was told in accordance with the promotional terms that the bonus points will post to my account within three statements or 90 days of completing the requirements, which would have been XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have paid {$90.00} total in monthly fees to Citibank, and Citibank has not upheld the promotional offer. Upon inquiry, Citibank now tells me that I was never eligible for the promotion, despite the fact that they confirmed my eligibility several times and provided specific dates and milestones that corresponded to that eligibility. This is very unfortunate in that in the six months this account has been open, numerous Citibank representatives have confirmed my enrollment in this promotion, eligibility and satisfaction of the promotion requirements to earn the bonus for this checking account. The last Citibank rep I spoke with told me that the points would post within 90 days of meeting the requirements. Only now, after Citibank has collected fees during my 90 days of waiting, does Citibank decide to inform me that I am not eligible. If I was ineligible, why was I not informed earlier? Therefore, I find this practice to be very deceptive and would like to file a complaint.

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 2016-02-18
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Overlimit fee

Complaint:
I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX unauthorized changes made on XXXX XXXX XXXX XXXX. Received a statement form Credit Card Company in XXXX XXXX showing a {$0.00} balance. All XXXX XXXX XXXX cards and accounts closed XX/XX/XXXX. XXXX reference # XXXX ( XXXX ). Complaint # XXXX. Thank you for your time XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2015 I sold a large dog cage on Ebay for {$100.00}. The buyer was n't satisfied and so I attempted to refund his money. Something was wrong with my PayPal account, so I had to do it as a separate transaction. The amount was refunded on XXXX XXXX, and Ebay was informed of this. On XXXX XXXX, Ebay debited {$100.00} from my bank account stating that it was to refund the buyer who had not closed the dispute. I disputed this claim with Paypal, and without asking for evidence, they arbitrarily found that the transaction was correct. Ebay does not have an easy way to contact customer service in writing, and what I have written to Ebay has gone unanswered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-08
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
COLLECTOR FAILED TO CEASE AND DESIST DEALING WITH THIS FRAUDULENT ACCOUNT WITH XXXX DIRECTLY. REMOVE ALL INVALID CREDIT REPORTING FOR ALL XXXX ACCOUNTS. ON XXXX/XXXX/2016 COMPLIANT XXXX WHERE I ASK FOR VALIDATION AND CEASE AND DESIST, BECAUSE I AM DEALING WITH THE CREDITOR DIRECTLY. THE CREDITOR NEVER SENT FRAUD COMPLIANT FORMS AS REQUESTED 3 TIMES IN VIOALTION OF FTC.

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 2020-04-17
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: Account status incorrect

Complaint:
On XX/XX/2019, I sent a check to XXXX XXXX XXXX in the amount of {$19000.00} to pay off my car. I spoke with a representative about the agreement to pay this amount and the stipulations we agreed to. On the check for {$19000.00} I wrote the stipulations of our agreement. The stipulations were as follows : By cashing this check, you agree to this contract : 1. Show as paid 2. Delete negative items on credit report 3. Cease collections Check number XXXX was cleared through my bank account on XX/XX/2019. 
XXXX has breached their contract with me regarding the stipulations that were agreed to. The account status is listed as derogatory and the current payment status is listed in collections/charge off. It has inaccurate informtion with months listed as not paid and that the account paid was less than the full balance. These statements are inaccurate, incorrect, and in breach of the terms of our contract by XXXX XXXX cashing the check for the full balance.

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 2015-10-14
Company: Empowerment Ventures, LLC
State: TN
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
RUSHCARD : I have been unable to access my funds for 2 days. A deposit that was supposed to be made, has n't. I am in dire need of my own money that I work very hard for.

Company response to consumer: Closed with monetary relief