BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: CITIBANK, N.A.
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am submitting a complaint related to wrongful advertisement and deceptive business practices from Citi Bank in regard to their Citigold bank account. In XX/XX/2016, I submitted an application for a Citigold bank account using promo code XXXX which I had received from Citibank. I signed up for the promotion because I was lured in with a bonus promotion that promised - AAdvantage miles would be credited to my AAdvantage account. I had confirmed via chat with a Citi Bank representative a few days after my application that the application will be processed, and that I qualified for the bonus offer of - Miles upon meeting the promotion requirements : Within 60 days, complete a purchase of {$1000.00} or more with your Citigold Debit card and perform - or more bill payments for 2 consecutive calendar months. 


After I met the promotion requirements, I contacted via phone and chat to Citibank to confirm this and to inquire when to expect the points to be posted. I was told that my request would be researched. Finally they informed me that there was no AAdvantage miles promotion offered in conjunction with the opening of my account. This letter contradicts all discussions I had with Citi at the time I opened the account and at activation. I would not have opened the bank account with Citibank if it was not for this promotion. I am requesting Citi to honor the set promotion. If I was indeed not targeted for the promotion, Citi should have rejected my application for opening the new account using the promo code. And not reject it when I have opened the account, met all the necessary requirements and when it comes time to pay out the bonus. They have not acknowledged that if I was not going to receive a bonus it should have been communicated to me during numerous confirmations about the offer. In addition to that they have been charging $ XXXX/month as account maintenance fee on my account. 

It has been weeks of dealing with this and I am very disappointed that Citi would mislead and treat their customers in this manner. I have been a customer since early - and if this is not handled appropriately I will pursue it further with litigation and no longer do business with this company ever again. I appreciate any help the CFPB can offer to resolve this issue in a timely and satisfactorily manner. Thanks.

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 2020-06-10
Company: Southwest Stage Funding
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received the payment stub in the amount of {$1000.00} without any explanation, without having received any communication about it. My monthly payment is {$780.00}. I have never been late in payment. And they know that I pay the mortgage with my social security and they know the amount that I receive. The amount of the collection is much more than my monthly income. And I was always informed that the payment would be lower annually. They never said it would go up. My monthly payment is : Principal {$180.00} + Interest {$430.00} + Escrow ( Taxes + Insurance ) {$160.00} = {$780.00}. The receipt received is : Principal {$180.00} + Interest {$430.00} + Escrow {$400.00}. I can not pay more than {$800.00} per month. I sent him an email, since they do not answer the phone, demanding an explanation and the only thing they answered is that in their records there is no authorization from me to answer the emails. 
XXXX XXXX// Southwest Stage Funding. Loan : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Starting in  XXXX  o f 2017, Navient  had sent emails regarding my student loan with them. The amount owed had changed several times over the past months and I am having difficulty making payments as they are so high. I am in a loan rehabilitation program with another company which is worries because they took into account my income and expenses, which leaves very little leftover. However Navient simply looked at my income and gave no one probably to lower payments delay then at all. I 've tried to contact them about this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi, I was charged without my awareness {$4200.00} as of XX/XX/2015I never seen a Doctor or signed any document regarding any medical treatment. 
Somebody is using my name and ruing my credit. Please help. 
This is the company 's information below. 
XXXX XXXX XXXX {$4200.00} as of XXXX account. {$4200.00} past due as of XXXX XX/XX/XXXX 




XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX XXXX, 2016 this writer sent the allege mortgage servicer Citi Mortgage ( CITI ) a Qualified Written Request ( QWR ) on XXXX XXXX, 2016 Citi gave a response but failed to answer the QWR in its entirety. There is NO FORECLOSURE PROCESS nor was I EVER IN DEFAULT as stated in the notice from CITI. This information from Citi Mortgage is totally fabricated. I clearly requested the LOANS ORIGINATION.. this was totally ignored by CITI By law and as a consumer I have a right to ask for my loan origination etc under the FEDERAL SERVICER ACT, which is part of the Real Estate Settlement Procedures Act, XXXX XXXX XXXX XXXX XXXX XXXX. 
A second request is being sent once again requesting the documentation not received from Citi mortgage. They are in violation.

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 2022-05-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A new checking account was opened in my name on XX/XX/2022. I received XXXX emails, back to back, stating the application process was started and then the account was successfully opened. I only knew this happened because the fraud was performed using my email account. I called Bank of America and talked to the fraud line. They closed the account. I then created an account with XXXX and placed a freeze on my social security number.

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 2021-11-18
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/21 someone fraudulently applied for a XXXX  XXXX credit card. I reached out to XXXX  XXXX and they stated I should submit a dispute to the credit bureau in order to have the inquiry removed. I submitted a dispute with all 3 bureaus. Equifax has completed XXXX disputes and will not delete the inquiry. If they do the proper investigation they will be able to receive the information to verify in fraudulent inquiry from XXXX  XXXX. XXXX has not opened a dispute or responded to any request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my paypal account. I'm using my paypal account on my online business XXXX XXXX  by XXXX, selling e-books and online services related in baking since 2020. My Paypal account XXXX has stucked funds and some actions that i needed to do for some of my clients. I'm hoping that i will get back my account to widraw my funds and help my clients. 
Thank you and Godbless!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe there was a mistake that I can no longer do business with PayPal. I am using my PayPal account for my online business selling ebooks and other digital works since 2020, and aside from that using it to received payment from our club members to pay for their dues in our club, and also used to send money from my relatives abroad as gift. I withdraw immediately because I need to transfer and pay for some items I bought locally. I am hoping that PayPal will lift the limit on my account XXXX and continue to do business with them. Thank you and God bless. 
For identification, I am attaching my valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was mistake to close my PayPal account. I am using my PayPal account for my online business and digital marketing Since XX/XX/2021 when the time of pandemic a rise and the lockdown in our area was implement. My PayPal account ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account, scheduling two bill payments, and spending {$1000.00} from the newly opened account. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. I called in promising a response in 24 hours. I did not get a response. 

On XXXX XXXX, XXXX, I sent a secure message on Citibank 's website and was told by XXXX XXXX that an investigation is underway with no timeframe to when it would resolved.

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 2016-04-29
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX/XXXX/16 - My Macy 's credit card account was used to make a {$78.00} purchase at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX . I had not lost my card ; I had never activated it and it was sitting in my cupboard. 
XXXX/XXXX/16 - I called Macy 's customer service line and ended up in a phone tree. Wanting to stop charges from accruing on my account, I chose the option for lost or stolen card. When I selected the " cancel my account '' option, I finally got a human on the line. She sounded XXXX and did not grasp that this was a fraudulent use of my account until I pointed that out to her. She said she would get the charges removed from my account and would also cancel it, as I requested. 
XXXX/XXXX/16 - Arrived home after a week-long trip to find another bill from Macy 's for {$100.00}, consisting of the original {$78.00} plus {$29.00} in late fees/interest. 
XXXX/XXXX/16 - Wrote a letter to Macy 's explaining the problem. 
XXXX/XXXX/16 - Began receiving recorded calls from Macy 's to pay my credit card balance. Called back and was connected with their Fraud Dept. Explained the situation again and found out that I should have been sent a fraud claim form to complete in order to notify them of fraud. 
XXXX/XXXX/16 - Received the fraud claim form ; completed it and mailed it back on XXXX/XXXX/16. 
XXXX/XXXX/16 - Received a third bill from Macy 's for {$140.00}, consisting of the original {$78.00}, plus {$68.00} in late fees. 
XXXX/XXXX/16 - Received a letter from Macy 's acknowledging my fraud claim and saying that they had accordingly reduced my Minimum Payment Due to {$68.00}, due XXXX/XXXX/16, stating " This adjustment reflects the portion of the balance that is not being disputed. '' Why should I pay Macy 's anything? I did not use my credit card, and I reported it as soon as I saw the fraudulent charge. If Macy 's chooses to outsource their Customer Service Line to an XXXX XXXX where the employees do not recognize fraud or know the procedure for handling it, I should not have to pay any late fees which result from their bad decisions or incompetence. 

I am asking your help in getting these charges removed from my account and also in closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-06
Company: CITIBANK, N.A.
State: HI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I hold XXXX student loans with Citibank. I decided in XXXX to submit their auto-debit form. Unfortunately, the form can not be submitted online and must be mailed. Citibank has no record of receiving my request. I only realized this yesterday when XXXX notified me of a late payment on my credit file. I immediately logged into the Citibank student loan website, made the payment, and sent them a message inquiring about the issue. They responded that they had not received my request. 

In the past, Citibank used multiple methods of contacting me including sending paper statements and telephone calls when I had n't paid by the due date. It appears they have changed their practice. If they had maintained the contacting methods they used in the past and that are similar to other creditor practices, this situation would have been avoided. 

I am seeking a mortgage for my first home and this derogatory credit reporting will severely impact that process. I am seeking a resolution where at the least Citibank removes the derogatory credit reporting. To help others, they may also streamline the auto-debit process, and be much more clear about notifying consumers when they change the method of contacting them in similar situations.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized Inquirers XXXX XXXX  - XX/XX/XXXX Syncb/PayPal - XXXX  XXXX, XXXX XXXX Mortage - XX/XX/XXXX - XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed my loan with XXXX XXXX back in XX/XX/2021. When we close the monthly payment was {$1500.00} and that was what I was paying for the 1st couples months directly to XXXX. Then this month I received a letter from SPECIALIZED LOAN SERVICING LLC stating my account has been transferred to their company and my new monthly payment is {$1800.00} which is very different to what I just paid last month. So I contacted the new servicer to dispute that new monthly payments as well as asked for clarification. My PI is about {$1400.00} so for some reasons the monthly escrow amount changed during the transfer period. However my insurance and taxes did not change. so I have asked the first agent with who I spoke to help me understand why this big change in payment. She agreed that the numbers did not match and she was going to investigate and call me back, which she never did. On the other hand, I have already made the regular {$1500.00} payment for XXXX directly to the previous servicer and I mentioned that to the lady with who I spoke on the phone when I first called Specialized. She told me not to worry and the previous servicer should be sending the payment to them. However, I have been getting multiples annoying calls from Specialized about my account being late when indeed it is not. This has became harrassing to have agent calling you almost every single day when nobody is actually trying to figure out the real issue. The escrow amount needs to be adjusted to reflect correct numbers. My insurance is about XXXX XXXXmonth and the taxes are around XXXX XXXX/month. I have attached both documents for proof. 

This is not my first issue with this servicer. They have the worst customer service, are horrible at fixing issues or returning emails. I filled a complaint last year for another account that they are also servicing which has never been reported to the credit bureaus ( LOAN # XXXX ). From the company previous response I was told this account was going to be reported on all 3 bureaus but it has now been 2 years I have owned this account and it has still not been reported to any of the bureaus. This is unprofessional and unfair. 

This servicer needs to be investigate as the way their are doing business is unfair and maybe illegal as their are not following the rules.

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 2021-11-18
Company: Army and Air Force Exchange Service
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have raised a dispute on this account and attempted to contact the company/creditors several times without success. On my credit record, this account is incorrectly reported.

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 2022-05-14
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, The complaint I am filing is against Chime Bank. On XX/XX/XXXX I filed a dispute regarding two ( 2 ) unauthorized transactions charged to my account. 

The first transaction was done on XX/XX/XXXX at XXXX in the State of Ohio XXXX The merchant name is XXXX XXXX XXXX restaurant ) in the amount of {$40.00}. 

The second transaction was done on XX/XX/XXXX at XXXX in the State of California XXXX The merchant name is XXXXXXXX XXXX ( dining delivery ) in the amount of {$43.00}. 

I live in XXXX, Florida. There is an authorized transaction I physically made at XXXX Pharmacy here in OXXXX on XX/XX/XXXX. I could not have made those other transactions. 

Initially, Chime Bank gave a temporary credit for the first disputed transaction, and then this morning I received two emails regarding the disputes from Chime Bank. 

The first email states that they are reversing the credit given for the 1st transaction ( {$40.00} ) based on their " investigation ''. The second email states that they will not credit funds for the 2nd transaction ( {$43.00} ) based on findings in their " investigation ''. 

I have phoned Chime Bank, informed them of their obvious error, demanded it provides the documentation it used to reach its conclusions, and stated that if they do not reverse course, I will permanently close my account with them. 

Regardless of the fact that this is not a large sum of money, it is my money and I did not make those transactions. I have used Chime Bank since XX/XX/XXXX, have made ALL transactions here in XXXX, Florida and have had no issues until now. However, this is ridiculous and wrong.

Company response to consumer: Closed with explanation