BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
In XXXX XXXX, I opened a Best Buy credit card to purchase a TV, interest free if paid within 5 years. In XXXX XXXX, I fell behind on payments. I rec 'd a call from a Best Buy rep who stated that I was only a few payments behind and that if I paid the past due debt I would be all caught up. The rep also stated that I can continue my monthly payments, interest free, and be restored back to normal status. With that in mind, I set up auto-pay to my checking and continued to pay for the next year, receiving my monthly e-bill from BestBuy and receipt that the month was paid. Then, in XXXX XXXX, I received a bill that had a late payment on it. I called best BestBuy and stated that I had Auto-payment and sufficient money in my account to cover the monthly debit. They stated that the account was sold to Citigroup and to call them. I called Citigroup and asked for the late payment to be removed and informed them that I had made an agreement with BestBuy to pay late payment the year prior, and subscribed to auto-pay. Citigroup informed that they were unable to remove the late payment charge and that only Best Buy could. I then called BestBuy and they again directed me to Citigroup. I continued to receive emails from, and labeled, BestBuy for my monthly payments. However, when I clicked on the " paybill '' link ( every month ), it continually led me to an " error, please check back later '' page. Now, 6 months later, the account went into default and Citigroup added on the total interest charges for a bill of over {$2000.00} ( which just prior was {$700.00} remaining on payments, absent the " late '' charges ). I believe that BestBuy is obligated to honor our agreement that I be able to continue my interest free monthly payments in accordance with our original contract. I also believe that the late payments, interest charges, and charge-off that now reflect on my credit reports should be removed, and that Citigroup and BestBuy should be fined for violated consumer credit protection laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/<YYYY>, I applied for a Citibank Citigold checking account using their promotional code XXXX on my application. This offer promised XXXX XXXX XXXX bonus miles after opening a new consumer Regular Checking account in The Citigold ( R ) Account Package and fulfilling their necessary requirements of Qualifying Debit Card purchases and Qualifying Bill Payments in consecutive months. Along the way, I continuously checked in with Citibank representatives ( through their online chat system ). Initially, I opened the account and confirmed over the phone that I was eligible for the bonus. After that, I checked in on XXXX/XXXX/16 and to make sure the promotional code was indeed associated with my account. I was told that it was and that I had fulfilled the requirements and thus, I would get the bonus. ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ' attachments. ) During that conversation I was told that the XXXX bonus miles would post to my account no later than XXXX/XXXX/2016. They did not. I then contacted Citi again on XX/XX/XXXX and the agent verified that I should 've received the miles on XX/XX/XXXX, but I did not ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). He opened an investigation and told me I would receive an answer in 1-2 business days. I did not. I contacted chat again on XX/XX/XXXX and was told I 'd receive an answer by XXXX ( Please see 'Citibank Conversation XXXX/XXXX/2016 ... ). I did not. By this point, I had been charged repeatedly for the maintenance of the Citigold account, losing that monthly fee money each month. Finally, on XXXX/XXXX/16 I was told that I was ineligible for the miles since I was not specifically targeted for the promotion. At this point, I am very frustrated because not only had I took the time and energy to open the account and fulfill all the requirements specifically for this bonus, but I had been told repeatedly by Citi employees that I was on track to receive them and that the promotional code was associated with my account. I am also out money taken by Citibank for the fees I would not have been paying if I had n't been trying to get this promotion. We sincerely appreciate you taking the time to investigate this on our behalf! We tried to do our due diligence along the way to ensure everything was in line with Citi, but it is clear they are going back on their words. Thank you so very much!

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 2022-11-16
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has place a limitation on my account. 
Id. de referencia : XXXX XXXX I have a personal account and i don't understand why this happened if i don't have any problems with my account.. 

the payment that i received come from people that i know. 

I will like get help with this situation. 

I do not see any risk with received payment for services now my money is hold and i cant wait XXXX just because they made arbitration decision. 

Please need help on paypal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called this company after checking my credit to see what the debt was about and They told me it was from a time when I was on my sisters phone plan. The amount is for XXXX, but I never owed them any money and my sister claims that they worked out the debt on her end. I explained to them that it wasn't my debt as I was never attached as an authorized user and I never involved my social on the account. They said they would send me a packet to verify the information but they never did. Around XX/XX/XXXX they dropped the debt from my credit score, but then on XX/XX/XXXX, they reapplied back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage offered the XXXX relief program just like every other lender in the XXXX. Based on the fact that I lost hours with my part-time job I took advantage of this program. After the XXXX moths I was prepared to begin the process of making payments again. Initially I was asked for a list of documents, from a person that I talked to on the phone. I got those documents and sent them to the XXXX, a couple weeks later I got a letter that stated " more documents are needed '' and nothing more. I called again and they said they would send a letter with more updated information on it. On the follow-up letter it said that they needed paystubs and bank statements, I also verified verbally that this would not affect my credit and was told that since I am in loss mitigation status again, there would be no negative impact on my credit. I sent over the pay stubs and bank statements for my main institution, along with a statement as to why I took advantage of the XXXX  relief program. A few weeks later I got another letter asking for Proof of XXXX ( Award Letter ), XXXX XXXX XXXX Return ( All Pages ), 2 Month Bank XXXX ( all pages ), Financial Worksheet, XXXX, Proof of Additional Income. I attempted to call them on XXXX different occasions with the wait time lasting over an hour, and no time to wait for that. On the back side of the letter it states, " Please be on the lookout for a call from us. We'll follow up on this documentation request and answer any questions you XXXX have. '' This statement led me to believe I did not need to wait on hold and someone would call to help me. On XXXX XXXX, I got a notice saying I was 180 days past due onmy credit report and my home was being processed in foreclosure. I called in and explained and was repeatedly told this was my responsibility and I needed to call them. Also, that even though they told me I didnt need to pay I should have and this falls on me.

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 2016-09-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I received an email stating that my Best Buy credit card through Citibank would be closed due to inactivity. To keep the account open, I went online and pre-ordered a dvd for around {$30.00}. I received the dvd at my current mailing address but never received a billing statement. Approximately 5 months later I receive an email from XXXX XXXX stating that I have a past due balance on one of my accounts. I immediately start to investigate and see that it is now a {$180.00} bill on my {$30.00} purchase from Best Buy. I call to try to make a payment and reduce the late fees seeing as how I never received a billing statement, email or voicemail even though they were able to contact me to let me know that my account would be closed for inactivity a few months before. After numerous calls and attempts to rectify the situation I am repeatedly told that they can only wave XXXX late fee, if I bring my account to current. After continually asking for someone who can make a pay off decision, hear my complaint and deal with the situation, I am transferred and redirected numerous times. No manager can take my call and no employee can deviate from the XXXX late fee removal policy. Nor can they say anything that actually deals with the situation besides repeating themselves over and over again. I have made many large purchases with my Best Buy card in the past and never had a late fee. I have a Sears credit card through Citibank and have no issues there either. In an effort to not continue late fees on a {$30.00} movie purchase I take the XXXX late fee removal and pay off the account at {$140.00}. I am waiting to hear back from a manager to see if they can resolve this issue in any way.

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 2022-11-16
Company: Mountain Run Solutions, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Alleged debt was incurred back in XXXX with a security monitoring company named XXXX. I was in military and moved in XXXX from property where alarm system was located. Now apparently the company sold debt which is over XXXX  years ago stating debt was in XXXX for {$540.00} Company name is MOUNTAIN RUN SOLUTIONS.. This company has also even calling and harassing and threatening me. In addition, they have reported this on my credit profile fraudulently and has caused significant harm to my life. My credit score dropped XXXX points preventing me from purchasing a home and high interest rates. They have now falsely reported on my credit report that account was opened in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received in the mail within the XXXX weeks a XXXX XXXX from Comerica Bank. I called the customer service line on Monday, XX/XX/22 letting them know I had received a debit XXXX from them but did not have an account with Comerica. 

They said they would look into it and reply back. 

On Tuesday, XX/XX/22 a representative from the fraud division of Comerica Bank called me back. He checked my address, social security number, drivers license, and birthdate. 

The following facts were found : XXXX. My address was not correct. The debit card mailed to me had : XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas, XXXX. My correct address is : XXXX XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX. 

XXXX. My social security number had been hacked. The numbers I gave were not what was on file. 

XXXX. My birthdate did not match what was on file. 

XXXX. There was no fraudulent activity on my Ca. Drivers License. 


They have since closed the account of which I never opened and blocked any further activity related under my identity. The Comerica Representative from the credit card fraud unit recommended I go to FTC.gov which brought me to the Consumer Financial Protection Bureau. He also recommended my to contact my bank and let them know I was a victim of fraudulent activity. I should request the bank to protect my assets I have with them in case of this type of activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Amex asserts no impact to personal XXXX XXXX when running XXXXXXXX XXXX XXXX  credit card application. 
My personal XXXX XXXX was impacted immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Flew with XXXX XXXX where they offered us automatic XXXX points frequent flyer miles for signing up that day with their credit card. Now they are saying we have to spend $ XXXX before XX/XX/XXXX in order to get said miles that were promised. Very deceiptful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-17
Company: ZENCO COLLECTION, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX/XXXX/2016, a representative from Zenco ( caller ID showed XXXX ) called me saying that I was being sued for fraud by their client, XXXX. They told me they have me on surveillance using this credit card, and that by not repaying the debt and not returning the merchandise, I had stolen the merchandise. They told me that I would need to hire an attorney if I wanted any information about their company. They gave me their phone number and company name, but would not spell the name of their company or give me the name of the actual person I was speaking with. I asked many questions including when the purchases were made on the credit card, how much the purchases were, if this debt was within the statute of limitations to be sued, etc. I also told them that this debt was not on my credit report and that I did not believe I owed this debt. They told me I was narrow minded and accused me of getting " all these credit cards and making all these purchases and then not repaying the debt ''. They even told me that they had filed the paperwork with the IRS to take my tax refund. They ended up hanging up on me.

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 2016-07-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was charged XXXX by a fraudulent company for pirated software and services that were licensed to another citizen in XXXX. I submitted a dispute with USAA my Visa card issuer. I was given a temporary credit. The dispute investigation is still on going. I changed my credit card and now have a new number. I have not had any contact with the fraudulent company. I did report them to XXXX XXXX as a company that miss represents XXXX and has the ability to resell sold software licenses and on line software. On XXXX XXXX I was charged by this company yet again. USAA Visa claims this is a new charge. I have not authorized nor have had any contact with the company creating the charge. I have been told this is a reoccurring charge and that it did not matter that I changed my card number ; they can charge me against the old number and obtain the new card data through XXXX. I tried to report and claim this fraudulent new charge and was told to make a dispute. The dispute department asked for documentation which I do not have since I did not coordinate for nor authorize the XXXX XXXX charge ; I have submitted documentation for the XXXX dispute. The USAA on line system will not let me file a dispute for this charge ... .all other charges I could, but the on line option is not available for the XXXX XXXX charge. The USAA dispute representative could not manipulate their system to enter a dispute for the XXXX XXXX charge either. So ... in effect I have to try to get a temporary credit every time these Pirates charge my card in order to have my balance not be affected. I have been assured that I am not responsible for the interest these fraudulent charges create or the balance. However, If I were to have an emergency expense I would need to call USAA Visa to get help and might not be able to use all of the authorized credit they have agreed to give me ... .a broken contract in effect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: NCB Management Services 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: Account status incorrect

Complaint:
On XX/XX/2021 I paid NCBI a settlement amount of {$1300.00} with a Visa card ending in XXXX after being advised they do not accept XXXX XXXX for the account. I received a confirmation number XXXX for the XXXX payment and was told the account was settled and I would receive a XXXX balance letter. While still on the line with the Supervisor/Manager XXXX XXXX I received notice the payment also went through with XXXX XXXX XXXX She advised to chargeback the XXXX XXXX payment. 
Her contact information is : XXXX XXXX XXXX I did as instructed and completed a chargeback for the double payment. 

On XX/XX/2021 I called in and requested a XXXX balance letter because it had not been received, I spoke with Supervisor XXXX XXXX and was told I would receive it, on XX/XX/2021, I called again and spoke with XXXX XXXX because I had not received the letter and my credit reports had not been updated. On XX/XX/2021, my credit reports updated to reflect that there was a XXXX balance, but I still did not receive the letter. 

On XX/XX/2021 my credit report updated again with a new balance of {$4100.00} and derogatory status. I received a letter dated XX/XX/2021 about the charged back amount and that the balance due was {$4100.00}. 

I called again on XX/XX/2021 and spoke with XXXX XXXX because of this new issue and the fact that I still had not received my XXXX balance letter, she was very apologetic and assured me it would be taken care of within 24-48 hours and I would have my XXXX balance letter and my credit reports would be updated. 

As of today XX/XX/2021, I still have not received my XXXX balance letter and my credit reports are still showing a derogatory balance of {$4100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
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 have faithfully made payments to this collection agency for 3 years ( i have all my bank statements to prove ) but they did not notify me they were selling my debt to another agency and this agency is now attempting to collect on original amount of debt and none of my payments have reflected and they reported me to credit bureau as a " charge off ''

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 2022-11-16
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Wells Fargo closed my credit card account which Ive been a member since XXXX. This happened in XX/XX/XXXX due to the fact that my ex wife filed XXXX. I was not aware or did not remember her being on this account as we were married for 34 years I was never notified by the credit card company that they were going to close the account until we went to use the card for a purchase for a business.they damaged my credit score by closing this account. I have tried to contact the company Multiple times XXXX. I was given a XXXX XXXX and a XXXX XXXX names but neither one of these people will return my call and speak with us. I am so aggravated and its not that I need that credit card but the damage to my credit standing from them closing this account I never filed bankruptcy I was never late I always paid my bill, always on time. If not ahead in for this company to just ignore us like we dont exist, has fired me up, especially the damaging of my credit is unacceptable. I want to hear from these people because they need to rectify their mistake. And compensate me for the damages to my credit Thank you.

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