BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX Consumer finance.gov As credit card holders with the XXXX program for many years, we were notified on XXXX XXXX, 2014, that we had earned XXXX XXXX miles. On XXXX XXXX, 2014, Citibank notified us that they changed our CitiGold/XXXX account to the CitiBank Thank You Preferred account. They said that our " account number [ would ] remain the same '' so we could continue to use the old card until the new XXXX arrived. We were then to " destroy [ our ] old card ... by cutting it in half '' They indicated that we would earn points for using the card and that we could redeem these points for many things, including " travel rewards. '' Never in any of the documents we received did they indicate that our air miles would not transfer to the new card or that we should keep using the old XXXX card ( which they were canceling ) to keep our miles. 

When we contacted them recently to see if we could use our air miles for a trip XXXX, they said they cancelled our air miles because we had not used our XXXX card for a number of months. We said that we had continued to use our Citi card that they had sent us after they told us to cut up our old card, so there was no way we could have used the XXXX card. We said that we assumed we were still gathering miles since they never told us that our air miles would not transfer to the new card. 

They also indicated that if we wanted to get our miles back, we could pay them {$400.00} for something we had already earned by using our credit card. 

There is nobody to talk to who can resolve this matter. The " customer service '' representatives can do nothing but repeat their assigned script. Citi Bank has cheated us and needs to be held responsible since they canceled our XXXX card and left us no way to keep it active. They need to give us back our miles and send us a new XXXX card with the credited XXXX miles.

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 2015-04-02
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I inquired specifically regarding the ability of the Citi Double Cash credit card, with regard to their ability to separate out charges for the multiple users of this card. I was told on XXXX ( XXXX ) separate occasions that this could be done. Upon receipt of my XXXX bill all of the charges were lumped together. I contacted their customer service and they said there was no way they could separate out the charges. This was totally misleading and I went through a long and arduous process to move our accounts over to this bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased items on a Best Buy credit card through Citi Bank. I paid my bill before the due date on the first of every month. Eventually those payments began being applied to the previous month and I was charged late fees. Essentially according to Citi I was doubling up on payments. I called and they agreed with what I was saying and removed XXXX of the XXXX late fees. They said they can only remove so many in a year. They then advised me to pay the minimum due, which was higher than normal because of the late fee. They also told me to wait until at least the second of the month which I did. I paid in XXXX on the XXXX per their advice and it still got applied to the previous month XXXX XXXX XXXX. I called and they still gave the same excuse.

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 2015-07-15
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have asked One Main Financial NOT to contact me or my husband at our place of employement do to it interferring with our work. They have since then called me XXXX on my work number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$54.00} XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXXBalance : {$490.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-05-19
Company: Ditech Financial LLC
State: ME
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is on a mortgage still owned by by ex-wife. She did not receive notice of a change in escrow. Her payment was on time but was short by {$140.00} dollars and late only until the error was noticed ( about two weeks ). The bank refuses to remove the " over 30 '' hit to my credit report. the over 30 hit on my credit is making it impossible to refinance my new property which I need to do by contract before XXXX 2017. Her payment was on time and has never been missed. She did not receive notice in change in escrow and therefore was short by the increase in escrow change. The payment was on time and the " over 30 '' hit on my credit will make it impossible for me to refinance before XXXX 2017, causing me severe financial harm to me and possibly the loss of the building which was owner financed with a 2 year window to refinance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2016 I initially reported that I did not make a purchase on a Macys ' card with account number ending XXXX. I told them that I had paid my account in full I was told that I had to complete and submit a Statement of Fraud which they had to USPS mail to me as they do n't have it electronically. They told me once they received that the account would be flagged for fraud and I would not longer receive phone calls ( I was receiving phone calls several times a day asking for payment ). I waited a week and called back again and told them I had not received the Statement of Fraud. She said she would mail it again. I waited another week and finally received it. At that time, I completed the Statement of Fraud and mailed it that same day. I have called several times to check on the status of this and each time they tell me a fraud investigation has been opened. I called again on XXXX/XXXX/2016 and spoke with XXXX and he said it had been resolved and it would be escalated so we can get it off of my credit report as soon as possible. He told me I should receive a letter from Macys ' in 7-10 business days. I asked if he could email it and he said no, they only used USPS. He then said it would take 30 days for the credit bureaus to update my credit report. I also just received a bill for the aforementioned account number and the balance is now almost {$200.00} ( I believe the original amount was {$57.00} ). I also received a letter from Macys ' saying effective immediately my credit balance has been lowered to from {$600.00} to {$200.00}. My credit limit on MY card ( which is a different account number ending in XXXX and has a balance of {$0.00} is {$1400.00}. It is now XX/XX/XXXX and I have yet to receive a letter from Macy 's and it is still showing on my credit report. Thank you in advance.

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 2016-07-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I was approved for the Citibank XXXX credit card in XXXX 2015. The welcome bonus was a {$650.00} credit to be used toward purchasing a phone from XXXX after meeting minimum spending requirements. I did that, and also purchased a phone from XXXX using the special link provided by Citi. That was in XXXX 2015. The {$650.00} credit was supposed to post to my account within a few billing cycles, but never did. I contacted Citibank on numerous occasions, asking them to look into the missing credit. None of those attempts resulted in a positive outcome. 

I 'm attaching the corresponding billing statement. On XXXX/XXXX/2015 there is a transaction for {$810.00}, listed under " Promo Purchase-Offer. '' This is the purchase of the phone from XXXX that should have triggered the credit. All Citi has to do is verify this with the merchant, but they have been extremely unhelpful, even after numerous attempts on my part to resolve the issue. 

Thank you for looking into this. 

Best, 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 2016-06-29
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold bank account after receiving a promotion for XXXX XXXX XXXX points. I called Citi bank to make sure the promotion was on my account. I then proceeded to meet all the criteria which included two bill pays on my account and spending money on my debit card. Once I had met all the requirements I contacted them since I did not see any points added to my account. They informed me that I had met all the requirements and had to wait up to 90 days for them to be posted to my account. I waited the time period, during which I had monthly fees taken out of my account. Once the 90 days were up I contacted Citi again and they informed me I would not be receiving the points. This was a horrible experience and very dishonest of Citi to say I had the promotion and met all the requirements but they were n't upholding their end of the deal.

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 2021-09-01
Company: U.S. BANCORP
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I AM SURVIVOR OF DECLARED DISASTER DR4493 COVID 19 PANDEMIC XXXX DR 4473 EARTHQAUKES , DR 4339 HURRICANE MARIA AND DR4336 HURRICANE IRMA AND THEIR DISASTER DISRUPTION CAR ACCIDENT WITH PROPERTY LOSS. I WAS REVIEWING MY CREDIT REPORTS AND NOTICE THAT US BANK XXXX XXXX CREDIT CARD REPORTED MISSED PAYMENTS AND CHARGE LATE FEES TO THE FOLLOWING MONTHS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND I AM A SURVIVOR, ILOST ALL MY BELONGINSG DUE TO THE DISASTER HAVE A HARDSHIPSITUATION WHEN DUE TO DR4339 LOST MY JOB AND MY INCOMES AND NEWJOBS AND CONTRACTS DUE TO FALSE ACCUSATIONS AND LIVELS DAMAGES TO MY IMAGES AND DEFAMATION AND DAMAGES AND LOSSES. I HAVE NO AIDS AFTER MARIA AND IRMA HURRICANE. THIS COMPANY CHARGE LATE FEES AND MISSED PAYMENTS TO MY CREDITCARD BALANCE WHEN THEY KNOW ABOUT MY RIGHT TO AMORATORIUM AND DEFFERRED ON PAYMENTS. I CONTACTED THEM IN XX/XX/XXXX, AND MAKE A PAYMENT PLAN, BUT I COULD NOT CONTINUED DUE TO MY RIGHTS UNDER THE DISASTERS DR4473 , DR 4493 AND DR4339, AND THEY DIDNOT CARE ABOUT IT CARES ACT AND FOLLWOING BILLS AND ACT AGAINST MY RIGHTS

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 2016-10-04
Company: CITIBANK, N.A.
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I saw a lower interest rate with the Citi XXXX XXXX so I could transfer a high interest rate credit card to a lower interest rate loan. When I spoke to the rep at Citi and I was told the amount of the loan that they would give me of {$500.00} I told them I had to think about it. The {$500.00} was not enough to cover my credit card debt. The next think I know I have an approval with a credit card. It has taken me several months to submit this complaint, but I do want this taken off my credit bureau score. I have submitted a letter to Citi as well.

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 2022-11-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-06-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A few years ago we re-financed our mortgage.This loan was subsequently sold to Wells-Fargo.We found ourselves over extended & filed Chapter XXXX in XX/XX/XXXX, signing to re-affirm our loan with Wells-Fargo.In XX/XX/XXXX , my husband became XXXX, so we lost his income until he was approved for XXXX ( about two years ) .In XX/XX/XXXX we were involved in an auto accident & I was injured.My income was lost for two months.My XXXX insurance did n't pay until after I returned to work.During all of these times, I contacted Wells-Fargo for help.They did a couple of " modifications '' which lowered the payment about XXXX dollar for a couple of months, then is would always go back up.They put us on a partial payment plan at one point until we got back on our feet, which was fine.I contacted Wells-Fargo subsequently, when things were going better for us, to re-finance through them.I was told that our loan was not re-affirmed in our Chapter XXXX, so they could not refinance.Since it was n't re-affirmed this loan does n't show up on our credit report.No one else will refinance because of this.We recently asked Wells-Fargo for our payoff and were shocked! Due to a large number of extra fees and interest, our payoff is more than our XXXX spoke to a realtor about the possibility of selling our home.Unfortunately, she valued the home at $ XXXX.Wells=Fargo shows our payoff at over $ XXXX.We are stuck with an underwater mortgage and a high payment & have no idea what to do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Please removed fraud alert from credit report. Information dose not include current phone number or address. it also is making it hard to apply for credit.

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 2015-12-15
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Citicorp XXXX Bank recorded a mortgage against my property for their client XXXX XXXX. They mistakenly used my property 's legal description to further describe the property address for XXXX XXXX. Obviously the address is different but the legal description is for my property and now it stuck to my chain of title and I am not able to sale my property because it list XXXX XXXX 's mortgage with Citicorp XXXX Bank as a third mortgage against my property. We explained to Citicorp XXXX Bank that they made a mistake by recording the mortgage against the wrong property but they refuse to get involved and want us to speak directly with their borrower to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I MADE A PAYMENT TO XXXX XXXX, MY CREDIT CARD COMPANY IN THE MONTH OF XX/XX/2022. SUBSEQUENTLY, IT WAS REPORTED LATE ON MY CREDIT REPORT WITH ALL 3 BUREAUS. I HAVE INFORMED EACH BUREAU AND XXXX XXXX  OF THE ERROR. A LATE PAYMENT STILL REMAINS ON MY CREDIT REPORT.

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 2017-03-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was recently sold last year from Americas Servicing Company to XXXX, and during the transition ASC filed a foreclosure on my home while they were not servicing my mortgage and as a result this negative and derogatory information is plastered all over the internet for my home address of XXXX, tn XXXX as well as public records. The fact that my home did not foreclose, and is not in foreclosure and ASC reported it as a foreclosure has posed a problem for me that is very embarrassing and now my employer is asking questioning me about it. I feel that ASC should erase this information from my address. I am so upset, I can barely sleep all night. This is hard to deal with and I need your help in getting them to make the corrections to this problem that they caused.

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 2016-10-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
Citi bank charged me late fee and interest for the payment not paid on time due to technical issues at my bank. 

As soon as I learned the issue, I arranged payment from a different bank one day after the deadline and I alerted Citi bank right away. It charged me a fee anyway.

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