BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
While reviewing my credit reports in XXXX, I discovered a collection account for Account Resolution Corporation on behalf of XXXX XXXX XXXX. I had never received a bill from either XXXX XXXX XXXX or Account Resolution Corp, so I contacted Account Resolution Corp via certified mail requesting validation of my obligation. Account Resolution not only failed to mark the item as disputed on all XXXX reports in the required 30 days, but also responded with copies of a bill with my name listing procedures and a form supposedly signed by me. The signed form gave permission to release records to XXXX entities only ( entities responsible for payment and government agencies for the purposes of determining eligibility for government benefits ), yet XXXX XXXX XXXX released records to Account Resolutions Corp who is neither financially responsible nor a government agency. This is a violation of my rights and permission was not given to provide personal information regarding my health to a collection agency. 

In summary, the original bill was never received from the original provider. A bill and/or right to dispute was never received from the collection agency, and to validate this debt, my personal information was given to a third party without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account is not mine and does not belong to me. I have contacted the creditor and I have contacted the credit bureaus. XXXX XXXX and XXXX are the only bureaus that have this account deleted.

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 2015-05-13
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened up a bestbuy credit card in 2011 an in doing so they said I signed up for a debit protection plan. When I signed up all they had me sign was a electronic pad that only had a signing box nothing telling you what you were sighing for so you were at the employees mercy to what you were sighing for and he told me it was just for the credit card and reward card. Nothing about a debit protection. My bad but when I got the bill I just payed it and did n't look at the statement. Then my wife seen it and seen that there was a XXXX $ fee it just said fee nothing about what it was for so I called and they said it was a debt protection plan. They took XXXX $ out for 4 years which means they scammed XXXX $ from us. They said I signed it and sent me a copy but once again I had only the employee to tell me what I was sighing for and I googled it and many others had the same issue and said that the employee would get a XXXX $ commission to sell this so they were not enclosing what you were sighing for. By the signature I sighed when they sent a copy to me it said debt protection but no amount for the fee to be charged and the people on line all were paying different amounts. What do they fraud you into sighing this and then get to pick a amount for the fee out of a hat. I have contacted them many times and still no answer to that question. They keep saying they will not refund our money. I feel this is fraud at its best which makes me mad because we have been a loyal customer for many years and we trusted them to look out for our best interest. Why would we sign up for a interest free card and sigh up for a debt protection fee of XXXX $ on a XXXX loan? Please help us this is a lot of money to my family.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied for a CITI Simplicity credit card with the intention of using the balance transfer offer. I submitted my application online. As I was waiting for my approval status, the website refreshed and provided me with an error message. I then called CITI credit card applications customer service to notify of the issue and to find out the result. I was notified that I was approved for a {$2000.00} credit limit. I notified the customer service representative that I would like to request that the limit be increased. I was told I needed to wait until the card arrived in the mail then to call back with the request. About one and half week later I received the card and placed a call to customer service like I was told. It took XXXX attempts for me to be able to speak to a service representative. The first XXXX attempts, I was on hold for 40 minutes and could not hold any longer. The XXXX attempt, my call was answered in 10 minutes. I then requested for my line to be increased to {$7000.00} because the reason for me in applying is to perform a balance transfer and {$2000.00} is not enough. After providing additional information, I was notified that I was not approved for the increase. I asked the representative about options on how I could withdraw my application and I was told that I needed to withdraw my application the day I submitted the application. She said that my account was already open and I can not withdraw my application. This is troubling because I was told I needed to wait for my card to arrive in order to negotiate the credit limit. However, I was never notified that there was no option to withdraw the credit application if I did not like the terms and conditions. Other banks always have provided the opportunity to withdraw a credit application, im not sure what makes CITI different.

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 2017-03-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I have contacted Bloomingdale 's customer service department four times about this matter and I have been continually lied to about this matter being resolved on my next statement. It still is not resolved four months later. With this letter I am asking for your help in finally resolving the issue. 
I put jewelry charge of {$4000.00} ( {$3700.00} after using {$220.00} worth of rewards cards ) on my club account on XX/XX/2016, but returned the jewelry on XX/XX/2016. The credit was applied to my regular revolving account by the sales person even though I asked her at the time to make certain that the return be taken off the club account. Ever since my XXXX statement, the charge has appeared on my club plan with a balance. 
After every monthly statement received, I have called, spent an hour on the phone with customer service. I am promised that the charge on the club plan will disappear and everything I 've paid will be re-routed to my revolving balance or my other club balance. My newest statement still has the charge and nothing has been credited to either the other club plan purchase or the revolving side of the account. 
All this time I have been paying for something I returned in XX/XX/XXXX and all the money I 've paid is being diverted from balances to which payments are intended. A customer service person even LIED to me and told me the charge had just been credited the day before when I called at the end of XX/XX/XXXX after I received my statement.

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 2016-12-31
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I logged into my account on line today to discover the account had been closed. Absolutely no notice of pending closure was provided by ExxonMobil. Expiration date on the card is XX/XX/2019.

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 2017-01-19
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I originally took out loans through XXXX XXXX. Now I have loans through both them and Navient. Navient 's is about XXXX and XXXX XXXX is about XXXX. However I am a recent XXXX so I am trying to get on a payment plan that will work with me. I have called both companies every month for the last 4 months and they keep telling me to wait and call back. Recently they told me I had to wait until my loans were deliquent before they can get me on any payment plans that would work for me. I do not believe this is good business as I am told I can lose benefits or this can lower my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Convenience checks

Complaint:
After checking my Sears Credit Card online statement in XXXX 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # XXXX ) that was posted to my account on XXXX/XXXX/2015 in the amount of {$400.00} and a {$16.00} balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me a copy of the balance transfer check image which was not made out in my handwriting or did it have my true signature, the signature on the check image was forged and completely different than my true signature. On XXXX XXXX, 2015, I sent Sears Credit Card a certified letter w/return receipt ( USPS Certified Label # XXXX XXXX XXXX XXXX XXXX XXXX ) stating that I was indeed a victim of balance transfer check fraud and requested that they open a formal dispute investigation. Since then I have not received any type of formal dispute investigation acknowledgement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Macy 's reporting me on credit bureau claiming they have my signature and drivers license, as co-owner. They refused to remove me from the acount though I told them, my former business associate added me mistakenly. I had only agreed to be authorized user.

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

Complaint:
I signed up for a citigold account accepting a XXXX thank you points promotional offer that was sent to me. I applied early XXXX and was told that I needed to make a qualifying bill payment 2 months in a row to qualify. I called in early XXXX to confirm the promotion was on my account and that I met the qualifications. I asked when I should receive this, they stated by XXXX XXXX 2016. When I called on XXXX XXXX they said it was actually XXXX XXXX 2016 because it was 90 days after the statement closes of the month that I met the criteria. They said they saw the promotion attached and I needed to wait. Upon calling on XXXX XXXX, they said they had no record of a promotion and none were tied to my account. I submitted a citi investigation and they sent me a communication that I had no offer attached. This was the only reason I signed up.

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 2016-10-17
Company: TRUHOME SOLUTIONS, LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since speaking with my Mother several times after the filing of the above referenced complaint. We were told by an employee at TruHome Solutions to cease the payments in XXXX 2016, then they could send the Hardship Application to be completed by myself and Mother. They continued reassuring the both of us that everything was going to plan and should have paperwork completed soon. 
Then XX/XX/XXXX, we were told that they were refusing to honor the Hardship due to somehow having my name, XXXX XXXX XXXX removed from the mortgage. 
They informed us that if they did not receive the three months payment by I believe XXXX XXXX, 2016, they were taking the house away from my Mother. 
I myself, XXXX XXXX XXXX signed the closing paperwork at the main XXXX XXXX XXXX located in XXXX XXXX, MO. I then traveled to XXXX, MO with my realtor XXXX XXXX to witness my Mother sign the exact same paperwork as I did and traveled back with XXXX to present the completed documents to the original employee that helped us at XXXX XXXX XXXX. 
During the time between XXXX XXXX, and the XXXX XXXX, 2016, there was no correspondence from either TruHome Solutions nor XXXX XXXX XXXX XXXX. No statement ( s ) nor a notice of non-payment. No phone calls or letter of possible default. 
Now TruHome Solutions have blocked us from making any payments online. 
There is something very wrong going on here. My Mother also knew I had/was signing the closing paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
A XXXX refrigerator was ordered from XXXX on XXXX/XXXX/2015 with the assistance of a Sears representative. The refrigerator was delivered on XXXX/XXXX/2015 and placed in service by the Sears delivery team. The refrigerator is unable to maintain the temperature that is required to prevent spoilage of foods and I have had to discard several food items because of this deficiency. I have requested XXXX to remove the refrigerator from my home but Sears has refused despite the fact that the refrigerator has a one year XXXX Appliance Warranty on it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I went to make a payment to my Citi sears MasterCard and made the wrong payment. When I realized what happened I reached out to the other billing company to get the money back to my account and they told me it would take five days. While waiting for the refund Citi cards called me 6 times with 4 hang ups between XX/XX/2016toXX/XX/2016. I spoke to a representative about the mistake that occurred and she wanted to knowwhen they could collect the debt. Then another representative called asking the same questions over again. I have never been late with a payment and feel that it is harassment when it has not even been 30 days past due.

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 2016-08-16
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the 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 2016-09-06
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Trying not to use so much credit, No. 1, plus we moved too far away from any mall here in XXXX, Macy 's credit closed my card without any warning. It was my oldest card ( got it when they were XXXX in XXXX at XXXX ), so my credit score went down quite a bit. They would not reinstate it, and said it 's written in their policies! Yeah, who reads that XXXX? This is not so much a personal problem as I still have excellent credit, but this should not be allowed. These credit card companies/banks, continue to XXXX the consumer

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 2016-08-09
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
on XXXX/XXXX/2016, I opened a citigold account with {$50000.00} deposit, referred by my neighbor, who was told by financial banker, XXXX XXXX, XXXX ID : XXXX, that at the end of 3 months, everyone will receive {$500.00} credit and {$300.00} referee credit, also {$100.00} referral credits if refer anyone on member to member referral program. However later to find out that the promotions are the scam because these XXXX promotions ca n't be combined and the branch personal banker XXXX XXXX gave us the wrong information when we opened the account. 
After waiting for 90 days, I requested the additional {$300.00} via security message center but I was told that the promotions could n't be combined. 
XXXX XXXX stated that he did n't know these XXXX promotions ca n't be combined at the time when the account was opened. It is unfair for the customers to bear the lost created by the bank staff. 
My friends who were under the same situation told me that they were able to receive the additional bonus after the complaint was submitted. I would like to be treated equally too.

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 2016-11-27
Company: CITIBANK, N.A.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Citibank is reporting late payments on my credit report on accounts that were never late. There are several of these reports and when I asked them to validate these accounts since they were never late and they refused to correct the reporting, they failed to validate the account. When I asked them to remove the inaccurate reports, they just sent a letter asking for me to send them my credit reports instead of correcting what THEY are inaccurately reporting.

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 2016-12-29
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A year ago, on XX/XX/2015 a fraudulent purchase was made online at Bestbuy.com, using my Best Buy card issued through Citibank, to purchase a PS4. It was n't until my bill in XXXX that I noticed the fraudulent charge and called Citibank for the first time. The customer service rep that I spoke to said they would send it to the fraud department and they would get back to me with their findings. A couple months later, I received a letter from the fraud department stating they had found through their investigation that I was responsible for the charges. Knowing that there must have been a mistake, I called back and a new investigation was started. This new investigation came back the same way : I am responsible for the charges. Although I have now spent countless hours of being on the phone with Citibank trying to resolve the issue, I have been hung up on, disconnected and called a liar, and this issue has still not been resolved. They have opened up numerous investigations and each time they find the same thing, that I am somehow responsible for a purchase I did not make. When I asked them to send me the information that proved I owned this purchase, they sent me a print out showing the product was ordered and sent to an address that is not my own. The order was also put through online without any verifying information that matched my own. The address was not mine, the telephone number was not mine. Every time I call to get this resolved, the first person I talk to always comments on how the purchase is " clearly fraudulent '' and will say something to the effect of, not sure why this is taking so long. In XXXX, I thought this was coming to an end when I spoke directly with a supervisor in the fraud department that credited my account and said it was taken care of ( this only occurred after I had requested an address with Citibank to which my lawyer could write a letter too ... ). I was overjoyed that after months and months of countless hours, it was being taken care of! Much to my dismay, however, a letter arrived a couple weeks ago, stating they found me responsible for the charges, once again, had reopened my card and charged it the {$320.00} that they insist I owe. The last time I spoke with Citibank in XXXX, they had cleared me of the charges and I had immediately paid my small remaining balance and closed the card. They reopened the card and charged me again. I really do n't know what to do at this point. I have complied with everything they have asked for and have had to spend at least a full days worth of time in doing so. I 'm not sure what to do at this point. Please help! 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 monetary relief