BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I missed a payment during XXXX 2015 and my account became delinquent. During this time, I was being treated for a medical condition that had me out of work and my covered by the Family Medical Leave Act for over XXXX months. During this time, I underwent multiple outpatient procedures and was heavily medicated. After my treatment concluded, I tried to get my affairs in order with all my credit card accounts. I contacted Macy 's to advise them of the matter and a young woman took the better part of an hour to help me with my account. She had to check with her chain of command and was able to waive the late payment fee and the interest charged to the account. I specifically asked if this would be reported because my biggest concern was the impact to my credit. She confirmed that removing the fee and interest would remove any delinquent status from my account and that I would not be impacted due to this change. 

I am now in the process of refinancing my house and see that Macy 's is reporting on my credit. I called to speak with their credit bureau team on XXXX/XXXX/15 and was told by both a rep and manager that no changes would be made. I informed them that I was previously advised that the reversal of the late fee and interest would not impact my account by the person who helped me. They both said that no one in the credit collections department would ever tell me that. I informed her that other credit card companies I spoke with ( XXXX, XXXX XXXX, XXXX, XXXX XXXX all updated my accounts so that any delinquent status would not reflect due to my medical emergency and treatment. The manager stated that Macy 's Credit Card company policy is NOT to make changes to accounts with late payments because they do view a medical emergency and treatment as an excusable event for not making a payment to their account. I asked for the matter to be reviewed since I was specifically told the account would not reflect delinquent or affect my credit. I informed the manager that I would be filing a complain against Macy 's for providing false information. She did not offer to review the call or research the matter any further.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: SFS, Inc
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
In 2010, I applied for a {$250.00} payday loan through OneClickCash. I was under the impression that I was going to pay no more than {$90.00} for this loan. It 's a lot but I needed the money. The funds were taken out of my paycheck and after I had already paid back {$350.00}, an email stated that on my next payday, they were going to take {$140.00} more. I wrote to OneClickCash at that time and said they already received {$100.00} more than what I borrowed and now they wanted more? They responded that my loan was paying as per agreed but I really do n't recall signing up to pay back triple than what I borrowed. I would have never taken the loan to begin with if I knew that. 
I contacted my bank and told them what was happening and they told me they would take care of it. I believe the bank saw it as a scam and blocked OneClickCash from accessing my account. 
That was 6 years ago. Yesterday, I received a call from XXXX. When I answered the phone, it was a recorded voice saying the call was for me and if I was n't the person to hang up. It said if I was the person to either call back or press 1 to speak to someone. I opted to speak and I was connected with XXXX. She proceeded to tell me that I will be charged with fraud and that my license will be suspended and my wages garnished. She only said that she was representing XXXX XXXX and never told me where this originated. She also said that she had talked to my previous bank and claims that I told the bank that I did not recognize these charges and had them block the vendor. 
I told her that I recall having an account in the past but did not remember who it was with. I said that I had paid the full borrowed amount plus an extra {$100.00} and as far as I was concerned, I do n't owe anyone. She was hard to talk to and I had a hard time getting a word in. It was like she did n't want me to talk. She said that she would mark this as me refusing to pay, would charge me with fraud, would garnish my wages and suspend my license. 
I had a brief conversation with my attorney in which he suggested to call and ask they send proof. When I called, the number was busy most times, but when I did get through, it went straight to voicemail with no announcement of the company name, etc. I left a brief message with the case number they provided ( XXXX ) stating I would like documentation of this and provided my employers address to mail it to. I have not heard anything back.

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 2021-07-01
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied.

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility.

What I want?

I want this debt listed by _____ immediately removed from all of my credit profiles.

They will ask have you tried to resolve this issue with the company.

I have tried to resolve this and they are unable to verify that I have a debt / document with their company.

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently received a payment book for a car loan debt taken out in 2018 that has never had one payment on the debt and apparently the vehicle was never registered. I have tried to communicate with them. I have made a report with identity theft .go vans the company has refused to remove the debt telling me with 7 days of disputing this deft that they did an investigation and it is a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Late fee

Complaint:
I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time.

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 2021-07-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There is a XXXX difference and I just can not understand why. Can you please investigate as to why Equifax? Same information supposes to have same score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: FL
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:
ON XXXX, I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. I DID RECEIVE A RESPONSE. HOWEVER, I FEEL LIKE MY INFORMATION WAS EXPOSED TO VARIOUS COMPANIES ON WHICH THEY DON'T HAVE AUTHORITY OVER. THESE PRACTICES ARE DECEPTIVE AND CAN BE TURNED AGAINST ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed XXXX asking for proof of it being my debt ... no answer. I gave permission for XXXX to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. 

Does all of this seem legal? 

XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was approved by XXXX for a PPP loan in the amount of {$20000.00} on XX/XX/2021. I opened an account with Capital One Bank to have funds deposited into because my primary bank did not accept deposits of more than {$15000.00}. On XX/XX/2021 the money from the lender was deposited into my account and was fully available. I began making transactions and went to go withdraw some money from my account through Capital One Bank drive through at the XXXX XXXX. branch in XXXX, Louisiana. The employee told me to hold on and when she returned she began asking personal questions about my business because she saw that I had got a PPP deposit into my personal checking account. I told her that the documentation that she was requesting I would have to come inside and give to her I didn't have it right on the spot. I also felt that the personal information that she was asking me was none of the banks business because It was my money that the SBA already approved. The bank immediately froze my account and didn't tell me why. I had to call the Personal Protection line at Capital one to find out they started a fraudulent case against me. I am a sole-proprietor and everything was legit on my end. I submitted Schedule-C and promissory note from documentation to Capital one that my lender has and they keep requesting more documents. I told them that I will not be sending more documentation to them because I got the loan through my lender and not Capital one. Also the PPP loan is in my name and I am obligated to pay the money back and right now I don't even have access to the money. Almost 2 months have gone buy and no resolution has came from the bank. I call in every day to get and update and also have went to branches to have them call in to get a status update on my case and they keep telling me there is no time frame on this. I really need my money to function and at this point it is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank, withdraws funds from my account without record as to why, and without proper notifications or consent. I do not believe Citibank follows due process in alerting customers and keeping proper record of such transactions. 

For example, I just had a {$600.00} ACH withdrawal from my account and the bank " could not provide any explanation or details on the incident ''. Yes, thats correct. Money was withdraw without authorization, explanation, and nobody has a record of why this occurred. 

In detail, On XXXX/XXXX/2017 I received a promotional credit of {$600.00} from Citibank for becoming a customer. Today, they subtracted the {$600.00}, nobody from customer service could provide an explanation. However, when I asked was this an employee or computer error ; the representative then stated it looks like human error, but could not provide any further info. Thats alarming cause that would mean some unprincipled, deceitful, and unreliable employee has access / rights to subtract funds from customers without a proper trail or report as to what happened. 

I am contacting you cause I think Citibank is abusing its power / size, in attempt to break laws or at minimum show little regard towards there customers interests. 

I would like your assistance in obtaining a synopsis from Citibank, outlining who and how their employees have access to and can make changes ( including withdraws, credits, and contact info ) to customers accounts without formal notice nor proper records of such transactions. 

If Citibank can not keep proper records of there own activities then how to they protect customers. A global bank of this magnitude should have meticulous records ; not " I do n't knows ''. 

A PDF copy of Citibank 's promotion has been attached. Where as you can compare their terms and conditions against there own unlawful actions. Im wondering if they tried pulling a fast one. For instance, if I did not make a copy of this flyer, they could then find reasons to go against there word and take back an offer ( false advertising or trickery ). 

Your assistance is greatly appreciated. I want to make sure similar activities do not happen to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Other

Complaint:
While married, I added husband as authorized user to Citibank card. Trying to now remove him from the card and they state that it is a joint account. I asked how it was a joint account, as I have owned the credit card prior to knowing him. They stated only way to have joint account is to have XXXX applied for card at the same time. I have been a cardmember for 14 years, they tell me, and I 've only known my ex for 8 years. there is no absolute way we signed up for this card together. In fact, I never had a joint account with him at all accept for his business checking account. We never had this as a joint account and they refuse to remove him. In order to do so, I would have to pay off the XXXX balance, which i can not do, or close the card and reapply for a new XXXX. But the second option would still have us in the same situation. This is hurting his credit now by having this card showing as a large amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Overlimit fee

Complaint:
I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is {$600.00} and you are at {$800.00} and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is {$29.00} and i pay {$30.00} or more! How can they do this isnt this a ripoff?? if im at my limit there should not be any more charges past that amount!! I should only be charged the {$600.00} which is my credit limit! 
please advise me or let me know what to do

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 2016-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
The debt collector called and told me that if I did not set up a payment arrangement that second that they were going to send out the police and have me arrested for credit card fraud. I did nothing for I talk to the credit card company and try and set up payments but they would not accept my payment because I can pay them only what I could which was minimal. Even the debt collector would not accept my payment because they said they were too small and I told him that was all I could afford yet they still threaten to have me arrested in the IRS come after me if I do not pay this. It 's in the amount of {$840.00} and its portfolio recovery and they have not made a formal notice that the amount what the date is for and everytime I ask I wo n't tell me they just say they have the dead in their office and it 's {$140.00} and I need to pay it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-11
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had my first mortgage with XXXX XXXX modified in XXXX of XXXX with a XXXX Loan. I contacted my second mortgage lien with Citi Mortage in XXXX of XXXX to find out if they were going to modify my loan with the same terms. I contacted my Home owner 's support specialist at CITI XXXX XXXX at XXXX who stated that Citi Bank should have modified my loan automatically in XXXX with the same terms as my first Mortgage. She said it usually automatically done when they are notify by the XXXX. Citi Mortgage failed to automatically modify my first mortgage in XXXX and now are making me re apply for the XXXX LOAN and resend all new paperwork and application. I am worry because I understand that XXXX will expire in XXXX XXXX. My understanding with the XXXX rules is that the second lien should be modify as soon as the first mortgage is approved with XXXX without having to re apply.

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 2016-06-10
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Was in the process of looking for housing and did not even know there was a judgement on the account. I only found out because I wanted to get pre-approved and the mortgage loan officer informed me. If I had not run the credit report, I never would have known there were XXXX judgments with a substantial amount of debt on them. In this complaint, I will be addressing XXXX bank, Citibank. 

Citibank cost me and my family greatly since we were unable to secure the desired housing we sought after. Not only that, My wife ( XXXX ) XXXX at the time and myself lost XXXX of dollars because we were unable to afford proper housing due to the recent judgment. When making several attempts [ to correct the issue ] with the associated debt collectors, no one helped, As a matter of fact, on various occasions, my wife was yelled at and hung up on when trying to communicate by phone. 

I can not spend hours on the phone trying to convince someone to let me speak about an account that they did not even want to discuss with me. They told me they could not help me unless we could confirm information on the account. Well, why place something as significant as a judgment on someone 's account if you wo n't take the extra step to confirm social security numbers and birth dates? 

Before a creditor of any sort and especially one such as Citibank should not report anything to the credit bureaus unless there are proper actions taken to confirm one 's identity associated with the account that is being reported. 

I did not receive any letter of the accounts. I did not receive any letters or phone calls asking to confirm the information reported. Not one person out of thousands of workers for Citibank contacted us. And when I had to take time out of my working day to try to contact someone, I was faced with an uphill battle dealing with rude and incompetent workers. The management team was just as bad as their lower level workers. 

It has been over a year ( originally found on report XXXX/XXXX/15 ) and the judgment is still there and no one has even tried to call or anything. There has been nothing done about this issue.

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 2015-04-22
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Activated citibank Debit Visa card on XX/XX/XXXX. Expired on XX/XX/XXXX. Citibank says that any monies on card at expiration are theirs for accounting fees per agreement at time of purchase. I saw no agreement at time of purchase. 

XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation