BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
follow up to citi bank good year card complaint. i will be unable to use my card again. and i wanted to report that about a month ago i was told i had until XXXX but in the response it did not say that. i now have until XXXX XXXX with no interest. we are having a law made and created about illness that is catastrophic since banks have to change how greedy they are. please confirm i have til XXXX since i am repeatedly told things not documeted in the notes that someone else after the call does not see. WASTE and improper use of my time. i have until XXXX XXXX with no interest. 
i do not need credit counselling resent the info that i do i needed and did not get loyalty so i will act accordingly. 
all banks do instead of getting to know the customer is throw things in your face. no one dies with money stop the greed.the answer i got from citi good year card means i can not use it again. to give me XXXX dollars off would have been good business instead they pay someone NOT to help a customer exactly what the definition of waste is will not support it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: VALLEY NATIONAL BANCORP
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
After a serious automobile accident in XX/XX/XXXX, I went to a dealership I had dealt with at least XXXX other times. I was not in a frame of mind to make a decision since I was suffering from a XXXX and had taken off walking XXXX miles due to my condition. the same salesman I had done business with in the past handled the account. He financed my vehicle through a bank VNB. not sure if it was in XXXX or XXXX, since I received harassing phone calls, telling me they had not received payments. Also, my vehicle and another XXXX have same VIN #. I was proud of my credit history until this bank ruined it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a Citi checking account offer via email ( In XXXX 2016 XXXX where I would be getting XXXX Thankyou points if I open Citi Gold Account and complete certain requirements. Then I opened the Citigold account in XXXX 2016 and completed the required XXXX XXXX payments XXXX XXXX and XXXX 2016 ). I completed the XXXX and final bill pay required for the bonus offer exactly on XXXX XXXX 2016 and I sent a secure message later that month to get it confirmed if I have met the requirements. I received a confirmation on XXXX/XXXX/2016 that I have met the requirements and I am eligible to receive the XXXX TY points by XXXX/XXXX/2016. It has been over a month now and still I do n't see the bonus points posted. Multiple calls and chats, but no real response. Over the phone with a representative I was asking for an exact date when I would be getting my bonus points and they do n't have a clear answer. They say a date and when I ask " Will I get my points posted by that date ''. The reply was " If not give us a call after the date has passed and we will raise an investigation ''. And above all that they were so rude on answering my questions. Because of waiting for the bonus even after meeting requirements I was charged {$60.00} in service charges ( {$30.00} on XXXX and {$30.00} on 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 monetary relief
Consumer complaint received 2017-01-28
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a new citibank account under the provision of a promotion. New accounts with deposits of XXXX or more and deposited past 90 calendar days would be eligible to receive a {$300.00} bonus. After leaving XXXX in my new citibank account, I called 4 times to citibank after the 90 days when I did n't see the promotion of {$300.00}. I need CFPB to step in to assist. I spoke with 4 separate phone operators and received 4 different dates and still no money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX, 2016 I purchased chocolates from XXXX at the XXXX in XXXX. The saleslady rang my purchase for {$86.00} when in fact it should have been for much less. When I brought this to her attention she apologized and said the sale has already been processed on my Macy 's credit card. To rectify the situation she rang up a credit on my Macy 's credit card thus effectively cancelling out the erroneous charge. When my statement from Macy 's came I noticed that the initial charge was processed but not the necessary reversed charge. I called Macy 's right away to dispute the charge and then as required I followed this up with a written dispute providing copies of the charges made by XXXX including the reverse charge. Instead of following up on this, Macy 's sent me a letter claiming that since my credit card was not stolen or used fraudulently the charge was my responsibility. Macy did not even bother to address the issue about the reverse charge I was giving to cancel out the erroneous charge. Instead Macy 's was quick to threaten to report me to XXXX Consumer Reporting Agencies for failure to make the necessary payment for something I do not owe. At the very least, Macy 's should have gotten in touch with XXXX to get a better understanding of the situation.. XXXX not only furnished us with copies of the sales receipts they also offered to help in any way they can to put the issue to rest.

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 2015-10-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer fee

Complaint:
I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top " 0 % Promotional APR on Balance Transfers until XXXX/XXXX/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is {$5.00} or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use XXXX of the checks to consolidate balances on other cards assuming a 3 % fee, however I was actually charged 4 %. I transferred {$10000.00} using these checks, so I ended up spending {$100.00} more than I expected based on the rate listed on the letter accompanying the checks. The reference numbers at the bottom of the letter are " XXXX -- XXXX -- XXXX '' and " XXXX -- LOT XXXX ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX Citimortgage suggested the HAMMP plan to reduce my mortgage. I applied and made EVERY SINGLE REDUCED PAYMENT on time to Citimortgage. Then XX/XX/XXXX CitiMortgage contacted me and said I did not qualify for the HAMMP plan. They said I did not make enough money. So they demanded all of the money that they had reduced my mortgage by immediately. Since I was unable to pay they foreclosed XX/XX/XXXX. They went back and adjusted my credit report to say that I was late for nearly a two ear period. This type of credit reporting is unfair. I made the payment they were requesting on time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, I filed for a modification with Citibank for my XXXX mortgage ( acct # XXXX ) due to reduced income and the XXXX mortgage going from interest only to fully amoritized which increased my payments by more than XXXX %. I entered into an agreement with Citibank to pay the reduced amount of {$520.00} for three months trial period. My payments were made per the signed agreement and the loan was modified. As a result, CitiMortgage reported me as making late payments and not paying as agreed. Due to the late payments showing, I submitted a request to CitiMortgage to have the report corrected. They refused and I placed a dispute on my account. On XX/XX/XXXX, I pulled a credit report showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XXXX and 60 days XX/XX/XXXX. In an effort to refinance this loan in XX/XX/XXXX, the lender required me to remove the dispute from the CitiMortgage. It was then discovered that CitiMortgage was now showing late payments XX/XX/XXXX for 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and 60 days XX/XX/XXXX. As aresult of this misrepresentation, my credit score dropped by as much as XXXX points on XXXX of the bureaus. This decrease in my credit score cause me to pay a higher interest rate for the refinance because my score fell below the required threashold for an optimum rate. 

I no longer have this loan with CitiMortgage but I was harmed financially as a result of their actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
Have stated to Capital One numerous times that in XXXX of 2016 they had issues with their website not to mention that I had an incorrect address on file. My payment was not accepted and they then reported on my credit report that I was 30 days past due though they refunded my fees because of this. Every single time I call I get XXXX and I am not sure they even understand what I am asking. This is my last resort to report them to remove this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower has XXXX mortgages secured by her home. The first is serviced by Green Tree and the second is serviced by XXXX XXXX XXXX. The borrower defaulted on both mortgages in XXXX 2013, after her husband passed away. Soon after she defaulted, the borrower submitted a modification application to Green Tree. By letter dated XXXX XXXX, 2013, Green Tree offered the borrower a Trial Period Plan for a XXXX Loan Modification. This trial period plan commenced with an XXXX XXXX, 2013 payment of {$2200.00} and ended with a XXXX XXXX, 2013 payment of {$2200.00}. After the borrower successfully completed this trial period plan, Green Tree offered the borrower a permanent loan modification agreement. The borrower signed the permanent modification agreement on XXXX XXXX, 2013 and Green Tree signed the agreement on XXXX XXXX, 2013. Since this time, the borrower has been current on her XXXX lien mortgage loan. 

The borrower is now attempting to modify the XXXX lien mortgage loan, which is serviced by XXXX XXXX XXXX, a participant in the XXXX Lien Modification Program ( " XXXX '' ). During the application process, the borrower provided XXXX XXXX XXXX with a copy of the permanent loan modification agreement executed by Green Tree and proof that she is current on her first mortgage. The borrower then requested to be evaluated for a " XXXX '' modification for her second lien mortgage loan, because her XXXX lien mortgage loan had received what appears to be a XXXX Standard Modification. After conducting its review, XXXX XXXX XXXX informed the borrower that Green Tree had not properly reported the first lien mortgage loan modification to XXXX. Consequently, XXXX could not provide matching information to XXXX XXXX XXXX so that XXXX XXXX XXXX could then extend the borrower a XXXX modification. The borrower then mailed Green Tree a Notice of Error, explaining the aforementioned error, and requesting that Green Tree properly report the loan modification to XXXX so that the required loan information is accurately reflected in the XXXX database.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. 

After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Have ask several times for receipt from this company to make sure they are a real company and that I have payed them and will not have to hear from them again but they will not send me a receipt. Keep saying that they made a note of it but I have not received a receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I rented a car from XXXX and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( XXXX ) said they would not accept cash so I gave them a different card ( XXXX XXXX ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well over my limit which I did not agreed to and I did not authorize. I disputed the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
This complaint could be much longer and include many more details, but I will keep it as brief and concise as possible. 
I ordered a watch from a merchant, which arrived with several defects. XXXX of the defects was bent hands, and I took it upon myself to straighten them myself. 
I carefully checked the merchant 's terms and conditions before I did this, and there was nothing which indicated doing this would invalidate the warranty. When I notified the merchant about the problem and told him that I had fixed it myself, he immediately acccused me of lying and blocked my from accessing his website by banning my IP address. I asked to return the watch for a refund, as the merchant obviously was not going to honor the stated 2 year warranty. My request was denied on the grounds that merely opening the watch case voided the warranty - even though this was not forbidden in the merchant warranty policies. 
I disputed the charge on my credit card through Capital One, who sided with the merchant. It turned out that in the merchant 's response, he fraudulently altered the terms and conditions on his website in response to my dispute, and then submitted those in his rebuttal. In other words, the warranty policy that the merchant relied on in the dispute was not the same policy that was in effect when I made the purchase. It was XXXX that the merchant invented specifically to deny my claim. 
I provided proof of this fraud to Capital One in the form of screenshots of the merchant website, but they would not change their ruling. They only said that they had to base their decision on the merchant 's policy, even though I provided proof that the policy was changed after my dispute was filed. The specific changes can be seen in this screenshot : XXXX 
Afterwards, I contacted the merchant again, asking him how he justified changing the terms whenever he felt like it, without even notifying customers. His response was that it was always the " intent '' of the policy, he just made it " more clear ''. Unfortunately, as a customer who relies on the text of the policy as stated ( not the merchant 's intentions at any given time ), this leaves me at a disadvantage. And I do not believe that Capital One and Visa properly took this into consideration during my dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company XXXX XXXX XXXX XXXX XXXX is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: WHEELS FINANCIAL GROUP, LLC.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant phone calls 8-12x a day every single day, and now calling my reference call sheet to harass them as well. I offer for them to repo my car to pay off the balances but they refuse. Need help to stop this. I have to block their calls but everyday a new call appears instead. All calls coming from California - Loan Mart office # XXXX800loanmart.comLoanMartXXXX XXXX XXXX. XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. 

Can you solve this problem for me. 

Thanks. 

Sincerely, XXXX XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation