BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-08
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.

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 2016-12-21
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
National Principal Group has contacted family members more than once, although they have admitted to me on a " recorded call '' ( their words ) that they can only call a family member once. They have contacted them in order to try and get me to pay for a single loan that I supposedly took out XX/XX/XXXX from XXXX XXXX XXXX. I said that is n't possible because I have n't taken any loans XX/XX/XXXX. They said it 's likely a payday loan. I asked for them to send the verification of debt to me so I could look at it myself, and they said they only have the name of the original creditor, no other information such as loan documents to prove that I took a debt for anything. XXXX XXXX XXXX is not on my credit report as a debt that I 've ever received. Today ( XX/XX/XXXX ) I received the documents of the supposed debt that I owe, except they 've included XXXX other debts that they did not mention in the phone call on XX/XX/XXXX. Very strange. They also sent these via email and not via mail. So far I 've received no original documents explaining the loan that I took out, and the " original amount '' on the document they sent is different than what they told me over the phone. Luckily their phone calls are " recorded for quality '' as they told me. Another interesting tidbit is they claim that they can call my family members and friends as much as they want if I do n't pay the debt and my family does n't issue a cease and desist letter. This is actually a violation of the law as well, one relative has both of their voice mails from consecutive days, and again luckily National Principal Group records these calls for " quality ''. One call to a family member is all that they are allowed, and within two days they 've called the same person twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working a loan modification with Citi Mortgage since XX/XX/XXXX. Citimortgage does not advise the client concisely what is pending within 30 days of receiving a package. They will request a documents then say it went to underwriting and come back and ask for more documents over the course of 6 months. Citimortgage confirmed all documents were received but then on XX/XX/XXXX more documents were requested. The bank is requiring the borrower to incur additional expenses without ensuring a loan modification such as the expense of a quit claim deed and to purchase homeowners insurance which is causing the client additional financial hardships. The bank requested homeowners insurance which could not take effect for 30 days due to the clients gap in homeowners insurance. Citi closed the file and assigned a new representative not familiar with the file right before a sale date. Citimortgage is intentionally prohibiting clients from being reviewed for a HAMP through these tactics and requesting documents from XXXX parties the customer has no control over how long the documents will be received such as the quit claim deed which required to be recorded and took a process of over 30 days and now requesting proof of homeowners insurance which took another 30 days for the binder to take effect. All documents requested by Citimortgage were submitted on XX/XX/XXXX. Due to assigning a new representative who is not familiar with the file we must begin the process again. Our office is experiencing this with all Citi files in our office. The HAMP directives are designed for the client to be reviewed within 30 days of a complete package but Citi will requesting additional documents right before the 30 days are up as to postpone the decision of the HAMP and totally disregard the HAMP Directives. Their missing documents letter are a general letter they send on all files which do not detail specifically what is pending but rather list all the documents need and the expiration dates for all documents needed as 90 day. Rather than provide the date the documents they have at hand with the perspective expiration dates. I submitted all documents requested hereto attached on XX/XX/XXXX. During this critical time before a sale date is not fair to the client to have a new representative assigned to the file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage miles points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

After enrolling with the promotion code, on XXXX XXXX, 2016 I contacted Citi through messaging and received confirmation that the offer was attached to my account. 

On XXXX XXXX, 2016, I confirmed with Citi through messaging that I fulfilled all terms of the offer and to expect my bonus around XXXX. 

On XXXX XXXX, 2016, I asked when will I receive my bonus AAdvantage miles and I was told that " Our promotion offers are available by invitation to specific targeted clients by an email listed and/or letter sent by mail from Citibank. " Even though I have a written confirmation from Citi that : The promotional offer is attached to my account and ; I qualified for the promotion and ; I met all requirements to receive my bonus. 

On XXXX XXXX, 2016, I asked Citi again that I got written confirmation from citi represtative that offer was attached to my account but Citi denied and I was informed that my bonus would not be honoured. 


Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. The CitiGold checking account has cost me { {$60.00} } in fees so far and does not deliver its promised benefits. 

Citi must give bonus AAdvantage miles immediately and refund the {$60.00} fee that they have charged so far and or additional steps will be taken to collect my promised bonus and refund the charged fee. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2020-11-11
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I submitted an online dispute regarding ( Inaccurate and misleading address information ). 
This information has not yet been nullified. The following information needs to be corrected and deleted from my report : 1. My apartment number ( XXXX ) needs to be added to my current address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX is being report incorrectly and missing information and should be deleted from my report 3. XXXX XXXX XXXX # XXXX XXXX, NC XXXX this item is an out dated personal mail box, misspelled and outdated and should be deleted from my 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 2018-05-30
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX while researching possible rental apartments in XXXX, XXXX my wife contact what she thought was a 2 bedroom 2 bathroom apartment and asked for more information. After learning about the apartment I researched the realtor and found him to be a legitimate XXXX  realtor. I went to the bank on the morning of Tuesday XX/XX/XXXX and wired the funds to the account they had directed the money to be sent too.

We then contacted our bank US Bank where we had initiated the wire and spoke with the Branch Manager on the afternoon of XX/XX/XXXX. We notified them this was fraud and took the steps necessary to open a fraud case. After they opened the fraud case they said they would not know until Wednesday Morning XX/XX/XXXX, whether they were able to stop the fraud. After checking my bank account to see the money had been taken out. We contacted the wire department and spoke with the case investigator who started that wire fraud is not handled by the FDIC anymore and that we are out the money. We did ask what they were doing to contact the other bank and was told they sent a message and would wait to hear back. The other bank involved is a bank called XXXX XXXX in XXXX.

We spoke to the FDIC at this point to clarify whether wire transfers are covered or not. We were told they are no longer covered by the FDIC and to speak to the consumer protection board and file a complaint against the bank. We are filing the complaint as we are extremely concerned about the negligence that the investigator has shown.

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 2016-01-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Macys American express card setup with electronic statements. 
I have had this card for many years and have never been late or not paid the minimum balance. 
At some point about 3 months ago I no started to no longer receive these statements and did not notice At this point Macys began to call my house multiple times a day however when answering the phone there was nobody on the line and the dialer would hang up on me. 
When I contacted them they stated that my account was past due so I made a payment in XXXX to bring it current and let them know that I was not receiving electronic statements and to enroll me in paper statements. A few weeks after this I decided to payoff the account and made a payment of over XXXX dollars. 
A week later I receive a letter saying that due to being delinquent they were lowering my credit limit due to me not paying Which I know can be negative on my credit report. 
This takes us to XXXX of 2016. I receive a notice in the mail saying that my account has a balance of XXXX and is overdue. 
Once again I did not receive a statement either electronic or paper prior to this late notice. 

After years of being a good customer they are going to potentially cause issues to my credit report and score due to a billing error on their side.

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 2015-11-05
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Macy 's Debt Collection XXXX is contacting, an employee of XXXX XXXX who does not have a Macy 's credit card and attempting to get her social security number and asking her about other people who work at XXXX XXXX once they learned she does not have a Macy 's account. They call 3x 's per day and go thru the IVR to get to her extension. It is very annoying and disruptive. It seems like a scam to get information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Orion Portfolio Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I believe this to be a legitimate scam. I received a letter in the mail on XX/XX/2022 from XXXX ( XXXX XXXX XXXX ) I've never heard of them or the Creditor : Orion Portfolio Services. Several of the phone numbers i found to contact both companies, don't work and the one that does, goes to a very suspicious routing system and i never get a person or resolution. The letter says i owe {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Consumer abusive practices by Citi AT & T Universal Card. 
Via phone call, requested Citi Bank AT & T Universal Card be cancelled. After phone call requesting cancellation of the card, received a new card, and continued to receive loan solicitations from Citi AT & T Universal Card. On XX/XX/2016, once again requested that card be cancelled. 

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: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello, I signed up with Citi Executive Card because I was told it includes access to many Airport Lounges. However, after traveling to a few places in XXXX, I found out that the card is not accepted in those Airports. When I returned home, I called Citibank to cancel my card. I was told I will get {$450.00} annual fee credit back to my card since I was still within the 37 days allowed to cancel the card. Its been almost 3 months and I have yet to get the credit back. Every time I call, they tell me to wait a little longer. And now, no one asnwers from customer service. I am furious and this is unacceptable. I need my money returned to 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 2022-09-17
Company: EQUIFAX, INC.
State: FL
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:
Litigation in process act immediately you are in violation. Ive been trying to solve this problem for some time with your agency and the cooperations and debt collector you allowed to put fraudulent and accurate items on my credit report without permissible purpose I am a victim of identity theft through the Equifax data breach I sent him proof with certified mail. XXXX XXXX XXXX Was open with my written content and its unauthorized use of my social This item should be deleted immediately while in litigation per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Wells Fargo is restricting the number of payments I can make from a non-Wells Fargo account. I've tried reaching out to them multiple times and they just keep stalling. I've tried to pay this account in full MULTIPLE times now but just keep getting the following message. In short, they're attempting to force me into creating a bank account with them just to pay this card which I have zero interest in doing. 

" You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment.

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 2020-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, I didn't authorize these inquiries listed, and the name is incorrect on my credit profile

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 2022-03-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Denied credit increase.

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 2015-11-21
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. 

We have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. 

They have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17
Company: Jon Barry and Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
By phone Paragon Revenue Group did not address the FDCPA violations, the threats made to me, the unanswered messages I left for a supervisor to call me or the validity of the company. 

The most important issue was the FDCPA violations. 

I spoke to XXXX she called my home implying that something was wrong with my child. It wasn't until later into the call and me concern for my child was clear that she mentioned it was about a debt. This is impersonation, giving the impression it was something other than a business matter. 

She threatening me with my credit after proof of debt was requested, she nor her co-worker, XXXX, fully mirandized the call. 

They hung up on me after I requested a manager more than once. 

I never received a call back from a manager and I attempted and left messages for one 3 different dates. 

This is abusive behavior from their staff towards a customer. This is unethical, unprofessional and against the fair debt collections practices act. Paragon Revenue Group took no responsibility for their actions. I feel an attorney or authority above myself should hold Paragon Revenue Group accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Grain Technology, 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 status incorrect

Complaint:
I created an account with Grain before the pandemic, of course everything was upended then. However I paid off my account and its showing up as charged off on my credit report. I have called the company over ten times but only get an automated system that does not let you speak to a rep, I have also emailed the company numerous times. Its really frustrating because this dinged my report and is making it difficult for me to move on. How can a company gleefully take payment but refuse to assist with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called 8 times to get my escrow account fixed. My insurance company XXXX was not paid in XXXX. Mr cooper paid XXXX  insurance instead without my authorization. In XXXX I got a letter from XXXX stating they were not paid. I called mr cooper they forward a payment to XXXX on the XXXX, and refunded the payment that was paid to the wrong insurance company XXXX. On the XXXX of XXXX the refund was canceled from XXXX. I am now short {$1300.00} in my escrow acount. They still have not fixed this.

Company response to consumer: Closed with explanation