BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
we and my husband got a dissolution he took ownership of the property my name was supposed to be removed from the mortgage only to find out later by disputing with the credit bureaus did i find out it was not removed also i found out by the bank itself it was not removed after giving them my ex 's social security # then all of a sudden they found my name still on the mortgage like they are trying to hide 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 2015-07-24
Company: Solidus Group LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

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 2016-10-26
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?

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 2016-08-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other

Complaint:
I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The XXXX XXXX XXXX Tradeline is inaccurate. 

The Account Type - is not a Credit Card, it is/was Flex Spending The Terms - is N? A and should be Monthly, making this account incomplete The Payment History is wholly inaccurate - it has a 30 day stamp XX/XX/2016, when today is XX/XX/XXXX - and they were PAID in XX/XX/XXXX, making this account inaccurate The PAYMENT HISTORY is missing for XX/XX/XXXX, making this account incomplete and in direct contradiction to a 30 day Late Stamp The BALANCE History is missing for XX/XX/XXXX, making this account incomplete and in direct and in direct contradiction to a 30 day Late Stamp The Closed Date/Date of Status - is inaccurate. 

Please verify the Account details - and update the account, or delete the tradeline.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Opportunity Financial, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They charged an account that was not authorized and put it as pass due and didnt know it was still open when I called it said ot was close

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  Account # 's XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was sold from Green Tree to Ditech, horrendous customer service and my account specialist dropped off the planet for two months before we were able to communicate about my situation, she was nonchalant offered very little options. 3 mos after my verbal attempt to do a modification, sent all documents requested they said I did n't qualify because I had XXXX already at this point I 'm now four months in the rear with payments. Green Tree never paid my property taxes, I had to retrieve the lien for property taxes unpaid, And they cancelled my insurance. In XXXX I received my default letter of course, no sale date but foreclosure threat. No written documents informing me that I was in an active foreclosure status. XXXX still nothing, I asked for a pay off which was never received by myself or the mortgage broker but we were told it was sent and had expired already and a new one would be higher and the attorney fees in the amount of XXXX XXXX dollars, even if the past due payments are less than XXXX XXXX on today XXXX/XXXX/2016. I so stressed from the ordeal, I ca n't sleep and its affecting my XXXX just getting through the IVR for customer service, after an hour on the phone verifying account specifics and your concern the call conveniently is disconnected. Each time the account is updated the same personal contact info is given, but no one called or wrote to advise me that they entered my home, took pictures and placed a lock box on my door.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Ditech Financial LLC
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A loan for a motor home was taken out in my name at Green Tree Servicing LLC. Payments were made for a while but stopped leaving a {$2200.00} balance. Over the last year I have spoken to various company representatives about this problem repeatedly telling them this is not my debt, who took out the loan and how to contact that person. To date they have refused to pursue the proper party and they continue to threatening me if I do n't pay this balance. They have been reminded many time that they do n't have my signature on anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
From XXXX XXXX to XXXX XXXX, my husband was XXXX ill in the hospital and then eventually XXXX ( XXXX ). At one point, he had XXXX, almost died, and was put into XXXX for 8 days. I did nothing but live at the hospital and go home once a day to shower. A friend even came and kept my dog for about XXXX weeks during this timeframe. I was not looking at a computer or a calendar. Once things began to improve and my dog came home, I was walking her one afternoon ( XXXX/XXXX/XXXX ) and noticed that I had a voice mail. It was Infiniti Financial Services and I had missed the payment. This is my XXXX vehicle lease with Infiniti Financial Services, back-to-back. I had never previously missed a payment or paid late on either lease. I did not get anything by mail or email to warn me of this, just a voice mail on my cell phone from a random number that I could n't identify, thus no rush to check the voice mail. By this time, I 'm about to be late on a 2nd payment, so I was 30 days over on the first one. While on the phone that afternoon with Infiniti Financial Services, XXXX/XXXX/XXXX, I paid the amount owed in full for XX/XX/XXXX and XX/XX/XXXX ( 2 payments plus a late fee ), {$1200.00}. They seemed shocked that I could pay it in full. Eventually, they still submitted it to hit my credit report in XX/XX/XXXX or XX/XX/XXXX ( ca n't remember ) and I contacted Infiniti/Nissan Finance and told them the horrible family situation I had been in, it was n't that I could not pay, I was just extremely focused on another matter and had no reminder at all to pay it and it never crossed my mind. I asked could they please review it. They said they would pass it to the appropriate department and that I would get a phone call for discussion or an email notifying me of the decision that had been made. I never received anything and it is still on my report, so I called them in XX/XX/XXXX and they just said they reviewed it and the circumstance did not warrant the removal. So ... ..10 months before my second lease will expire where I 've made all previous payments on time ( and all payments after this occurrence ) ( almost 6 years ) AND when I found out I had missed this one I immediately paid in full, in a situation where my husband was so XXXX ill he almost died, they sent no reminders either via email or regular mail and left one voice mail from a number I could not recognize, they will not assist me in getting my impeccable credit rating back. As we all know, a 30-day late will drag my score down for a VERY long time, and we know they can fix whatever they are willing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Other

Complaint:
I have been a long standing customer of Citibank and about two years ago my husband and I signed up for the CashBack credit card. About 6 months ago my husband very quickly passed away due to XXXX. When I went to claim my cash back rewards, I was told that only the cardholder can receive the rewards. As the secondary holder, I was not entitled to claim them. 
I have been an earned in this unit, I take care of bill paying and I am the primary consumer with this card. I was insulted that I was not considered a partner because I have always been one in my relationship. I find this a discriminatory practice, particularly to older women. We have enough issues with the death of a spouse to then be slapped in the face by this discriminatory policy of Citibank. In addition, I was rudely treated by the XXXX collection agency before the last bill on this account was received!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank Gold Checking account, which stipulated that I would receive XXXX XXXX Miles after following the below instructions : Apply for the account online or call XXXX to apply by XXXX XXXX, 2016 Use promotion code " XXXX '' Make at least {$1000.00} in debit card transactions in the 1st 60 days of opening your account, AND Make at least 1 bill payment for 2 or more consecutive calendar months within 60 days of account opening.

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