BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-03
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Commercial realty loan complaint against CITIBANK. 

SITUATION. In XXXX 2007 I invested in XXXX, a Tenant in Common property in XXXX XXXX Iowa. Like most of the other CP investors I rolled over equity in an IRS XXXXexchange from a small property. 

XXXX XXXX ( XXXX ) was sold to a group of XXXX investors for XXXX, and set up as a tenant-in-common investment ( TIC ). In the case of XXXX a master lease promised guaranteed income like an annuity. Most XXXX owners, myself included, are over XXXX. For many the investment constituted much of their life savings which are now lost leaving some TIC owners dependent on their children or at the precipice of bankruptcy, XXXX even XXXX. 

After years of mismanagement, large capital calls amidst XXXX disbursements, and frustrating and costly civil litigation, XXXX went into foreclosure. Owners representing a XXXX % ownership have pending civil actions against the TIC sponsor, who is out of business and the asset manager who is in bankruptcy. These civil actions are unlikely to remedy the massive systematic fraud and injustice that has cost us much of our retirement savings while blighting our latter years with financial and personal anguish. 

CITIBANK. However, behind the sponsor and AM there is a giant deep pocket, Citibank, that our lawyers have deemed too big to sue but without whose collusion in writing, then selling, a loan which did not meet reasonable underwriting standards the owners would not have lost their savings. ( More details in attachments. ) Apparently realizing that the CP loan of XXXX was tainted with fraud and bound for foreclosure, Citibank sold it for XXXX to a vulture bank whose practices appear to be to buy distressed loans , drive out the equity investors, and flip the property. Citibank 's action has parallels to subprime loan abuse, only it the victims were elderly small investors, not home owners.The XXXX XXXX investors have lost more than XXXX total. There are hundreds of other defective TIC real estate loans that have damaged thousands of XXXX investors across the country. Nothing is being done against the banks who wrote loans that were used to defraud investors and perpetrate XXXX abuse. 

ASK. We ask CPFB to investigate the Citibank loan to XXXX XXXX XXXX and the sale of the loan and seek damages for the XXXX TIC investors, my self included.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRUIST FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Opened an account with suntrust bank on XX/XX/XXXX. Moved from out of state and deposited my life savings. Account was rejected on XX/XX/XXXX with a letter stating my check would be mailed to me within 15 business days. I called and was told I needed to submit 2 forms of ID and a notarized letter from my previous bank in order for my money to be released.Submitted the paperwork TWICE ON XX/XX/XXXX AND XX/XX/XXXX saying it would be processed within 24-48 hours. CALLED AGAIN TODAY XX/XX/XXXX AND NEED MORE DOCUMENTATION! I havent had access to my money from XXXX goin on XX/XX/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 2017-03-05
Company: Advantage Financial Service LLC (Idaho)
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I applied for a credit card with Macy 's in XXXX XXXX. In XXXX XXXX, I received a bill from a collection agency stating I owed about XXXX dollars on the credit card. I immediately paid that off with the collection agency and called Macy 's about the situation. I was flabbergasted and I stated to the Macy 's representative that prior to this, I never received a bill statement from Macy 's. The Macy rep informed me that my account was closed and it was nothing they could do, they had already sent it to collections. The Macy 's representative also informed me there was a return service address on the mail they sent out. However when I applied for the card, I included my address on the first line and my apt number on the second line. I received my products but never received my bill statement. I do n't understand how the collection agency had my full address but Macy had no idea what my address was but they were able to send my products out. Someone in the billing department dropped the ball because the ordering department was able to deliver my product with no worries. I then asked Macy 's if they had a copy of my credit application because I know I wrote my apartment number on my application. The rep informed me they did n't have my application on file due to the application being completed in the store. As a consumer, I always elect for paper bill because that method suits me and it serves as a physical reminder that I have a bill to pay. The product was only XXXX bucks, I incurred over XXXX dollars in interest and late fees. In XXXX XXXX, I had a XXXX credit score. I always pay my bills on time. I provided a phone number on my credit card application and no reasonable steps were made to get ahold of me. I apply for credit cards all the time and I ca n't remember each and every single card thus as consumers we are entitled to a billing statement to remind you that you have a bill due. If I had received the billing statement, I would had paid the XXXX bucks. Now my credit score is a XXXX due to XXXX derogatory indicator on my credit report from XXXX. I have XXXX credit cards along with all my other bills I have to pay on time, all which I get billing statements for. This needs to be taken off my credit due to their lack of communication with the consumer of notification of a bill even due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I defaulted on a mod ; in XXXX we settled on a XXXX mtge ( amount given to us by Citi-XXXX mtges held by Citi ) I have been ATTEMPTING to rectify and re-modify since ... Citi refuses to work with me ... claiming I make too much money for government programs HAMP/HARP not enough to hand them their money - I have an audit clearly showing robo signing fraud and broken chain of title - we are currently being reviewed for a modification AGAIN we send the same documents over and over again ... I HAVE RESPECTFULLY REQUESTED THAT THEY POSTPONE THE PENDING AUCTION DATE WHILE WE ARE NEGOTIATING ; TO NO AVAIL ... .CURRENT AUCTION DATE XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: DE
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:
Account is not mines was not notified of results.

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 2021-04-26
Company: EQUIFAX, INC.
State: NC
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:
I am filing a complaint on Equifax. I have 3 fraud inquiries that I have disputed several times and they have not removed. Not only have I disputed them but XXXX XXXX XXXX contacted them twice to let them know to remove the inquiry dated on XX/XX/XXXX due to fraud and they still haven't removed it. I advised them that the XXXX XXXX inquiry from XX/XX/XXXX is fraudelent and the XXXX XX/XX/XXXXfrom XX/XX/XXXX is fraudelent and they haven't removed any of them. I also sent in a letter from XXXX stating that it was fraud, they have done nothing. I also have a collection account that I paid to delete for XXXX XXXX XX/XX/XXXXand sent in Proof of Payment and the information stated the account would be deleted and this hasn't been removed either. It like they simply ignore any valid information and leave the delinquent information on your credit report even though they know its not supposed to be there. It is simply against the regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2015, Rushcard scheduled system maintenance that would not allow me to access my funds or making any transactions between XXXX and XXXX. At approximately XXXX on XXXX/XXXX/2015, I was notified that the system updates were delayed but ATM transactions could be done. Since then I have not been able to access the funds in my account and have not received notification of the direct deposit I was supposed to receive today on XXXX/XXXX/2015. I have contacted customer service by phone at least 5 times. Two of those five times a representative told me that the issue would be resolved on the evening of XXXX/XXXX/2015. I have also contacted the company 's XXXX and XXXX, along with XXXX of other customers, to try to get answers. This is unfair and unacceptable, especially when I have a child to feed and bills to pay. Rushcard is seriously messing with the livelihood of its customers right now. I have gone over XXXX hours without being able to access my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Opened a Macy 's credit card to get the 20 % discount - I have an XXXX credit score, so was not concerned with a hard check no my credit. As intended, I paid the outstanding balance in full immediately upon receiving the first bill. I checked my credit report, randomly, a few months later and noticed they had reported at 60 day overdue balance of {$18.00}. When I called, they informed me this was interest charge ... interesting how interest can accrue on {$0.00}. When I let them know this was fraud, they immediately back tracked and did everything necessary to remove the charges, report the correct info to the credit agency and close the card ( as they were previously instructed ). They also proceeded to say they had the wrong address on file - also very interesting bc the first bill had no problem finding its way to me when they wanted to get paid the initial balance. 

If you have a retail card from Macy 's - review your statement carefully ... likely interest and late fees on their that are fraudulent.

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 2016-07-03
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
citimortgage modified a mortgage for my exhusband on a note we were jointly liable for. The modification extends the repayment terms - modifying the note from 30 to 45 years. 
My signature and name are not on the loan mod. I was not a party to it. However, XXXX still considers me liable, and my exhusband 's poor payment history continues to be reported on my 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 explanation
Consumer complaint received 2015-03-26
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Initiated contact via written notification of billing errors on XXXX XXXX 2015. Citibank failed to acknowledge and to respond to our Fair Credit Billing act dispute letter. Certified letter was recieved by Citibank of XXXX XXXX, confirmed via recorded telephone line. Contacted citibank multiple times and failed to return call after asking to investigate verbally as well. Last correspondence was via phone on XX/XX/2015 and citibank account manager refused to investigate, escalate, or resolve issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I applied for a Citibank credit card in XXXX 2016 and paid the first bill. They say I asked for paperless billing, WHICH I DID NOT. They continued to send me e-bills and I ignored them as I thought they were spam. This month I tried to close the account and they said I owed them almost {$4000.00}. I finally was able to download all the bills and found there were {$3400.00} in purchases, {$210.00} in finance charges, and {$160.00} in late fees. I have called Citibank 4 times and was told a supervisor was not available but would call me back. I never got a call back.

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 2017-01-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I signed up for a Macy 's credit card in XXXX and at that time Macy 's enrolled me in a credit protection program without my explicit consent. I received a reminder of my enrollment in XXXX of XXXX, and this was the first time that I have been given information regarding the terms of the program and notifying me that I was enrolled. The program charges a monthly fee based on your balance which over the lifetime of my card has cost me {$210.00}. I never enrolled in this program and I was never informed that I was paying for it, it was included in my bill as a fee and not explained. I would like to be reimbursed for these charges as I did not authorize them nor do I need or want them.

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 2015-08-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
. For the past 2 months I have been receiving a photocopy of my printed statement. The pages are black & white, the coupons are printed on XXXX pages XXXX front on XXXX page and back on another ) and the billing disclosures are illegible, the ink is smeared and impossible to read. I called last month and was assured that another statement for XXXX & XXXX would be sent. And instead another photo copy was printed and mailed. Fair Credit Billing Act requires my billing statement be legible and contain legal disclosures for billing disputes, etc. I can not even read the billing dispute address on my statement. I am not making a payment until I receive a regular bill that can be read and I expect any late charges for XXXX, XXXX, or until I get a bill to be removed. 

I would like to add to this complaint that I received a call from Macys at work on XXXX at XXXX from XXXX at that time i told them not to call me at work or on my cell anymore. I received a XXXX call also at work on XXXX at XXXX from XXXX again at my place of employment XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-05
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is my ex - husband & has all of my personal information from when we were married. When we separated he stole my driver 's license, Social Security Card, Birth Certificate & other personal documents that I had to replace. This is not the first time he or his wife now has used my information to obtain money, credit, goods, loans, services. He also shares my information with his current wife 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 2016-01-20
Company: HOVG, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a medical bill addressed to my mother who passed away, XXXX XXXX, 2015. The bill has been turned over to Bay Area Credit Service. My mother lived XXXX and I live XXXX. Therefore, I am still just getting her mail delivered to me. ( The postal service is a whole other story! ) I do not even know what the bill is for and they will not tell me. I asked to speak to a manager or supervisor. A, XXXX XXXX, came on the phone and pretty much just reiterated what the first lady said. At that point, I told them I did n't even want personal information anymore, I just wanted to know what their company policy was for handling a bill of a deceased person. Again, the same answer, " I 'm sorry I ca n't talk to you since you are not the person on this bill. '' They were rude and unfriendly! I explained how upsetting this whole matter was to have to repeat this situation over and over, but of course, all I go was the same 'robot ' answer. All over {$43.00} ... I mean XXXX really!?

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
EquifaxFRAUD FLAG Yes No NoYOUR STATEMENT FRAUD VICTIM. " EXTENDEDALERT ''. CONSUMER HASREQUESTED AN ALERT BEPLACED ON THEIR CREDITFILE. CONSUMER DID NOTPROVIDE ADDITIONALINFORMATIOfraud Alert on my credit report incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In the year XX/XX/XXXX, I purchased tires from Sears XXXX. My statement came and I paid the minimum payment. At the same time a statement came for XXXX, but I do not have a XXXX. A check revealed someone opened an account in my name. XXXX was notified of the fraudulent account and they rectified the situation. A further check of my other statements revealed, sears had over a thousand dollars in purchases from playstation and another video gaming company. Sears was notified of the situation and they acknowledged the disputes were from Maryland and they would rectify the situation. Each month, I would receive a billing statement same charges higher then the last. I called each month about the charges and was referred to the fraud department and was assured by different fraud investigators that the charges would be taken off. Currently, I received a statement for the month sears customer service on XX/XX/XXXX for the company to correct the new balance. They connected me to the fraud department and spoke to a female manager ( XXXX ) who stated she does not give out last names. I attempted to explain that my new balance was wrong. She stated, " I am at fault for not notifying the sears of the fraudulent charges. '' I explained to her that I did notify sears, that 's the reason why sears credited the fraudulent charges. I further asked her to go back to when I purchased the tires, so I would know what amount is left. She stated she can not go back that far to look up the information. I advised her I would like to put a billing dispute which is a different department, she stated it will not go through cause it has to go through my department. I, eventually ended the call and felt like I was victimized a XXXX time. XXXX from someone using my information and now from sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation