BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/21 I sold a ring for {$1000.00}. Having used Venmo to send small amounts of money to friends, I thought this would be the easiest and safest way to make the transaction. After the purchase was made, Venmo emailed me to tell me that I had to transfer {$400.00} to the purchaser through XXXX and send them a screenshot of the transaction. I asked, instead, for the purchaser to be refunded so we could us a different payment option. Because this request was refused, I made the transfer of {$400.00}. Since then, I have transferred a total of {$1900.00} so {$2900.00} is sitting in a Venmo account and not being refunded to me. I wouldn't normally make these transfers, but kept being told this was standard procedure and nothing to worry about since the transfer would allow my money to be returned to me. Yesterday, at XXXX CST, I was emailed that my money would be refunded " within the next 1-2 hours ''. 26 hours have passed and I haven't received a refund and Venmo is no longer responding to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
on XXXX XXXX 2016 I sent citi aadvatage platinum select a check for XXXX to pay my account in full along with a letter tell them to close my account as i do not pay anual membership fees. the letter was sent to the corispondance address on my monthly statementXXXX XXXX XXXX, XXXX sd XXXX they cashed the check on XX/XX/2016 and payment was not due until XX/XX/2016 today i got my statement and see the following. a. that they did not close my account. b. that they charge me a late lee evven though my {$18.00} check was to pay my account in full less the yearly fee. c. that they are charging me interest. when i called them today and explained the issue they then transfered me to someone who made a bunch of ex=xcuses and discriminated against me as a XXXX american. i talk very lound when i gdo not have my XXXX in and she was telling me to stop screaming which i was not doing and then refused to help me or transfer me to her boss. she also refused to give me her name and ID number so i could file i discrimination complaint with citi bank HQ and hung 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 monetary relief
Consumer complaint received 2017-02-28
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Kindly Please help me about my problem with the promise promotion of Citibank. with Citibank Case Number XXXX and XXXX. Account Number ending XXXX.I have waited more than 5 months, all terms & conditions were met, called and emailed more than 10X but nothing happen still I do n't have the bonus interest that promise in the promotion, I asked the customer representative about the bonus they do n't know when and still on the case or investigation and raise another the case. 
PLEASE See the promotion Below. 
How To Earn Citibank {$400.00} Bonus : Fund a new or existing Citibank ( R ) Savings Plus Account with a minimum of {$25000.00} new-to-bank funds between XX/XX/XXXX to XX/XX/XXXX If you fund your account with $ XXXX, then you can earn the maximum {$400.00} bonus. 
Maintain a minimum balance of at least {$25000.00} throughout the next 3 monthly statement periods, and you can earn 10X the interest on your savings for this bonus period. 
The cash bonus will be credited to your Citibank Savings Plus Account within 90 calendar days from the date when you completed all offer requirements. 

Thanks you for the help. 

Please see the attach papers below. and the last email below. 

( Citibank email reply last XX/XX/XXXX ) Customer Service Message Dear XXXX, Customer Service Message Dear XXXX, In response to your Citibank Service request XXXX, please see the attached correspondence regarding your case., please contact Citibank at 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 2015-03-23
Company: CITIBANK, N.A.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
This is a continuation of a previous issue with Citibank that has reached another XXXX. Citibank increased my monthly payments XXXX and I have been unable to reach an agreement with them about my monthly payment. I am requesting that Citibank reconsider my request for graduated repayment, so that I am not forced into Collections. I would like to pursue a payment plan that works with my current financial situation and allows me be responsible for my debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Carrington Mortgage Services , LLC ( credtor 's fed id # XXXX ) XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, CA XXXX XXXX Creditor cancelled debt in XXXX. Issued a XXXX to debtor, notified Mass Dept of Revenue and IRS. Agencies issued an assessment for taxes due. 
Debitor paid both agencies ( {$15000.00} +/- ). Creditor failed to issue Loan cancellation documentation to debtor. 

Now debtor attempts to refinance loan in XXXX. Carrington denies owning any paperwork stating loan is closed. My attorney for refinancing my home loan has been ignored by CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CITIBANK, N.A.
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I started a loan modification with Citi mortgage in 2011 which was supposed to combine a XXXX & XXXX. I was making payment under a trial period until they qualified me for the modification. Niine months into the process they sold the loan to XXXX after 9 month of making payments which never reduced my principle balance and also they reported me late during the time I was making the agreed payments. XXXX service called me and said they were starting foreclosure because I had n't made a payment in 9 months. I hired an attorney and all they agreed to do was start another modification. I agreed because I was afraid of losing my home.I was told I 'd only have XXXX mortgage so I assumed when Citi sold the serving it included both the XXXX and XXXX because they were differing ,XXXX of the {$26000.00} I owed on the XXXX. Now the loan has been transferred once again to XXXX and they are stating the deferred amount is {$24000.00} which is {$10000.00} more than I agreed to in the signed loan modification agreement with XXXX. My rate is 7 % so I 'm trying to refinance my loan with a lender I know. I 've been told I have XXXX liens against my property and XXXX of them was a XXXX from Citi. I requested my note from XXXX over 45 days ago and they still have n't provided it. Citi reported to the credit bureaus ' that the original XXXX was paid and closed that is why I thought it was transfer to XXXX and was the deferred portion of my current payoff. How can they do this? Say it 's paid and closed and refuse to provide me with a lien release. They are holding me hostage so I 'm not able to refinance to a lower rate. My complaint involves XXXX companies Citi ( original lender ), XXXX ( XXXX servicer of my loan and loan modification provider ), XXXX ( current servicer of my note which they have refused to provide in a timely manner and have added XXXX to the deferred portion of my payoff, which was not supposed to collect interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My issues are with Trans Union. I incorporate by reference the attached report in support herein : Key factors that adversely affected your Trans Union credit score. According to Trans Union : 039 Serious delinquency. Note : According to Trans Union reporting, " You have a stellar payment history. 100 % on-time payment history. '' 018 Number of accounts with delinquency. Note : According to Trans Union reporting, " All good here! XXXX derogatory marks. '' 008 Too many inquiries last 12 months. Note : According to Trans Union reporting, " 1 recent mortgage hard inquiry with a total of 6 inquiries. '' Each of the non-mortgage inquiries were not to be reflected on the credit report according to the creditor, with a direct assurance from each that, " this is not a hard inquiry and will not impact your credit. '' 014 Length of time accounts has been established. Note : According to Trans Union, the oldest account is 4 years and 7 months. Note : According to Trans Union, " You have a solid number of accounts on your report. '' Note : According to Trans Union, I have 15 accounts on my credit report. 10 active accounts that have NEVER been late. 5 closed accounts reflect a car loan that was paid because XXXX XXXX  misreported a payment as late in 2018, which I disputed ; and 4 educational accounts that have never been late. This is not a matter of bad reporting. My credit score should be in the high 700 's -low 800 's.

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 2017-02-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I submitted an original complaint through the CFPB on XXXX 2017 in regards to Experian reporting a public record ref : XXXX. Experian concluded the investigation stating that there was no public record on file and I would receive correspondence in the mail. I have not received results in investigation in the mail or seen a reflection of change of information being reported on my credit report. " According to our records, the disputed public record does not appear on your Experian personal credit report. We have mailed a copy of your current Experian credit report to you for review. Please note that mailed correspondence may take up to 10 days for delivery through the XXXX XXXX system. ''

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 2016-01-18
Company: CITIBANK, N.A.
State: FL
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Managing, opening, or closing account

Complaint:
This is crazy, I received a prepaid debit card as a refund and then I ca n't pull anything up online, ca n't activate it online, there 's a sticker to call to activate it, I 'm sure it 's probably lost it 's value as all these cards do ... These cards are basically yet XXXX more way to XXXX consumers. I am certain they are offered to companies at a discount because they are certain people wo n't use them, wo n't jump through these hoops, and mysteriously, they get to keep money that is not theirs and call it 'fees ' is the bottom line. 

To save a step, the card number is XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Macy 's American Express Credit Card ( " AMEX '' ) failed to deliver my e-statements through the XXXX XXXX XXXX Bill Pay for three months in XX/XX/XXXX. During those three months, AMEX continued to incur and accrue interest and penalties on my account. On XXXX/XXXX/XXXX, I had phone conversations with XXXX different AMEX customer service representatives attempting to resolve the situation. During one of the phone conversations, a representative indirectly refused to mail me the missing statements ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) and my request to speak to a supervisor was denied as well. In addition, some of the key information provided by the XXXX customer service representatives during the phone calls was inconsistent with the information listed in the XXXX XXXX XXXX XXXX/American Express Credit Card Agreement regarding the billing statement. 
My AMEX credit card account was opened in XX/XX/XXXX. Since then, there has been no change to my AMEX account and account number and the XXXX XXXX XXXX Bill Pay and e-statements through XXXX XXXX XXXX. On XXXX/XXXX/XXXX, I paid the cumulative interest and penalty of {$100.00} in the XXXX, CA Macy 's Department Store to stop the AMEX account from continuing to incur interest and penalties while the complaint process continues. 
As of today, AMEX has not delivered my missing statements. Please see the attached personal statement and supporting documents for details.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is listing an account that is past the 7 year reporting period. 
This account is XXXX/XXXX, account number XXXX. This account was scheduled to be removed on XX/XX/2017. It is reporting incorrectly and Experian refuses to reinvestigate. This account has been re-aged.

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 2021-01-09
Company: EQUIFAX, 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 reported two different credit card accounts to three major credit reporting agencies as fraudulent accounts. The statement was made, because I was not the person who is responsible for applying for these accounts.

I have never applied nor used these accounts for my self benefit.

My simple request was to remove these false accounts ' information from my credit report and a police report and FTC identity theft report were submitted to all three credit bureaus.

Even though I made an attempt to make the proper correction on my credit report, the credit reporting agencies are continuing to post these false accounts on my credit report. Also, the creditors who had issued fraudulent accounts on my name have not validated or verified the accounts to be mine.

I believe that the credit reporting agencies and the creditors are in violation of FCRA and FDCPA for reporting false accounts on my credit report and attempting to collect the debt without proper validation and verification process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Every day, for months, Monday through Friday, they call me twice at my place of employment. They call my extension and they call the XXXX XXXX XXXX XXXX XXXX. Every time I pick up and say hello they hang up. I have said, over and over again, to stop calling my work, and yet, every week, every day, twice a day they continue to do so. I have had XXXX XXXX, XXXX and my supervisor speak with them and they continue to harass me. This is my last step before taking legal action.

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 2015-07-10
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citibank sent me a letter, dated XXXX XXXX, 2015, stating that they were unable to add the IRS as a payee in my checking account due to " customer service reasons ''. 
In their letter, Citibank stated that this policy was stated in their Bill Payment Users Agreement. 
I sent a letter to Citibank requesting them to point out in the Citibank Bill Payment Users Agreement where this policy was stated. 
I NEVER RECEIVED A RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. 
Citibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX, Sears came out to my home to fix the garage door that went bad. After the service guy looked at what the problem was. He advised me that the springs were damaged and needed to be replaced. Too my understanding from calling them on the phone, the cost of the springs to be replaced would be {$190.00} plus tax, plus XXXX for the service call. I left my credit card with my father to pay the bill which should have been XXXX plus tax which should have been XXXX total. Sears charged my credit card XXXX, which is a difference of XXXX. I called Sears about the invoice and to know avail did would they fix the bill. Not only would they not fix the bill, the bill does not even give a break down of what was done, which would include parts and labor explanation. They have failed to honor the price that was given to me and have clearly taken advantage of the situation by charging me a price that they do n't charge anyone else. I contacted my credit card company who is also Sears and initiated a dispute and to no avail did they fix the problem. I believe that both companies are working together to rip me off.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage service provider ( Bank of America ) has informed me that they will only accept a cashier 's check or money order for payment of my mortgage.

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 2016-06-28
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear CPFB, At this point I feel as though I have no other choice than to involve a third party in order to get Citibank to cooperate with me and listen to my valid complaints. First and foremost, I have what was supposed to be a free checking account that I 've held for almost fifteen years without incident, but now almost never use. There appears to be many fees from Citibank attached to this so-called free checking account that I do not understand. Furthermore, when the account for some reason despite almost never being used became overdrawn, perhaps in part due to these mystery fees from Citibank, Citibank did NOT notify me. Instead, they allowed my overdraft account to become totally exhausted, in order to charge me additional interest and fees on the account, that much is clear, but rather than call me when this occurred, they sent me a letter which looked like an ordinary statement rather than call me. Citibank has claimed in said letter that they no longer have my contact information, even though none of it has changed in over ten years. This is either false on the part of Citibank, or it shows extreme incompetence in terms of their record keeping. 

The most egregious part, is that even though I sent a certified letter to my branch begging them to please call me to answer my questions, they have ignored my request and instead reported my as DELINQUENT to the major credit bureaus. Without one phone call, and I have banked there for almost 15 years! I have very good credit, pay my bills on time, and have never been delinquent on a payment in my life, yet Citibank who I believe has a lot of explaining to do to ME in terms of this account has RUINED my hard earned credit. 

This should not be allowed to happen. They should be investigated and they should provide me with the answers I am seeking. I can only wonder how many others may be getting treated like this by a major financial institution who seems to think they have no accountability whatsoever to their customers. 

Regards, 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