BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-27
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I applied for a ppp loan and got just over XXXX XXXX dollars. I got accepted right away and all was well. I used my debit card to spend a few thousand dollars of the funds that had been deposited via ACH and had cleared within one business day, per usual. Then i went to TCF on XX/XX/2021 to request to cash withdrawal of {$4000.00}. They randomly felt the need to call and verify to make sure the funds were mine due to the ACH referencing sole proprietor and not my name - even though I that is the type of entity I use for my business. They verified that the funds were mine but then felt the need to lock my funds for no reason, whatsoever. Ive been asked over and over to provide an EIN number, to which I keep explaining that Im a sole proprietor and that my EIN is legally my social security number but they insist that wont work when I know for a fact thats the correct way to do it. I feel like Ive been robbed and profiled against, as I am a young XXXX entrepreneur and now I am unable to use the funds that are rightly mine. My account is now negative over {$4000.00} and they wont help at all to release the hold on my funds. The branches address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was never given the option to opt out of overdraft fees. I know now that I had that option but I was automatically open into overdraft fees. I have lost a lot of money this way and I would rather have my card declined than charged. In some months I would get charged with these fees more than 3 times as a XXXX. {$35.00} is a lot!

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 2017-02-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
There was a a Citibank offer back in XXXX XXXX with the following promotion ( OFFER CODE : CZPE ) : " Get a {$400.00} bonus when you open a new Citigold or Citibank Account checking package, deposit {$15000.00} of non-Citi funds within 30 days, and keep the funds there for 30 consecutive calendar days. Cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. '' I opened a new checking account on XXXX/XXXX/XXXX, deposited {$15000.00} on XXXX/XXXX/XXXX, and have kept the same balance until at least 30 consecutive days as the promotion required. Even to this day the same balance has been keep there, and after the 90 days of meeting all the offer requirements, I still have not received my bonus offer. I have called the Citibank service center every 30 days within the 90 days to confirm that I have met all the requirements and their answers every time was yes and wait for the 90 days. Today, it is XXXX XXXX, XXXX and I still have not received the bonus offer nor there is possible pending transactions posted in my account. By researching online, I have found numerous complaints against this Citibank practice of not paying bonuses even after the requirements have been met ( https : XXXX? XXXX ). Any help is greatly appreciated.

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 2016-07-15
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX 2016, I opened a Citigold checking account on receiving a promotional code ( XXXX ) because I am an existing Citi XXXX credit card customer. The promotional code promised XXXX XXXX miles on completing bill pay and minimum spend requirements within a specified timeframe. 

I completed those requirements in the first week of XXXX, and the statement closed on XXXX XXXX. 

Citi representatives confirmed I am eligible for the promotion and that I have successfully completed all requirements ( correspondence attached ). 

I then waited more than 90 days, as per terms and conditions. 
I then followed up, and was told to wait more for a few days. 
I then followed up, and was told to wait more for a few weeks. 

As of the date of this complaint, my XXXX have still not been rewarded, despite them having been promised several weeks ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing statement

Complaint:
I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '

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: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 months.

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 2016-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.

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 2017-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.

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 2021-04-27
Company: We Collect Inc
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Atlas financial breached an agreement of contract we made in XX/XX/2017 that was to end XX/XX/2017 and they stalked me whenever I was employed and unemployed through XX/XX/XXXXreports and they came to my house to serve me with court documents with a judgment lein that was falsefied and used coercion to force me to pay {$680.00} on a {$200.00} medical debt. My jib was terminated on XX/XX/2017 and on my way home Atlas financial calling my lhone threatening judgment and warrants for garnishment if I didn't pay prior to the date the contract was over. When I went TO the court house the day after I lost my job on XX/XX/17 I found out that there was NEVER a judgment filed with the courts like I was served while getting out of my car at my house on the DAY XXXX started my XXXX in XX/XX/2017! They used foul language by phone and they weren't a debt collection company in the same state as me and refused to give me actual address. Only a PO address and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a sectional from Macy 's on XXXX/XXXX/XXXX using my Macy 's credit card in the amount of {$4500.00}. I exchange the sectional on XXXX/XXXX/XXXX and purchased another one for a lesser price {$2600.00}, I had a credit from the first sofa and can understand why Macy 's has not applied the credit to the exchanged sectional. I have called Macy 's customer service department on several occasions waiting for some one to call back. I also have been to Macy 's seeking help.

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 2016-07-08
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other fee

Complaint:
The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.

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 2016-07-05
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Late fee

Complaint:
I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.

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 2016-04-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX I was contacted by a Macy 's representative who asked me about my credit card charges as he thought there may be fraud. I confirmed that these charges in fact were not mine. He told me he would close out the account and send me a new card then have the charges investigated. He said I would not be liable for those charges. About a week later I received a new Macy 's card with a statement that had all the fraudulent charges on it. I then called Macy 's and asked why they transferred all the fraud charges to a my new card. Their answer this is how they do it until the investigation is over and I am still not obligated to pay for the charges. I 'm still a little confused but ok at this point. Of course I did n't pay that bill so then I begin to get calls from Macy 's telling me about my large balance and that it is over due! I then call Macy 's and ask why they are calling me to pay. Also when I do call I wait on the phone for at least an hour while they look into matters. They again tell me it will take 90 days and this is what has to happen and they will stop the calls. They did not stop as I got several more calls and also more bills with interest and late fees! This is very upsetting as I pay all my bills on time and never carry a balance. So now it is 3 months later I have been dealing with this and they have reported me to the credit bureaus as being late/not paying my bill. Thus ruining my excellent credit! This is absolutely absurd because why should I be penalized for something I did n't do. They know it is fraud and they say I do n't have to pay the bill but they report me! What is that? Macy 's has greatly upset me and consumed my life the last 3 months because I have had to call them over and over again with no positive outcome. {$1500.00} was charged on my Macy 's credit card through Macy's.com and sent to a PO box which I know and Macy 's knows is fraud, but they still have to investigate. They can investigate all they want but leave me out of it as I have nothing to do with that. I 've done all I can do and I 'm not sure what else I can do before taking legal actions. Macy 's has really handled and is still handling my situation very poorly. I want them to clear up my credit and put everything back to the way it was before this mess began. I do n't know if that is even possible once you are reported to the credit bureaus to get it wiped off? So they may have ruined my credit which I will then take legal action for sure. When will this investigation be done and why add interest and late fees. That about sums up my fiasco with Macy '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 monetary relief
Consumer complaint received 2016-05-02
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have requested proof of debt be sent to me and every since then this company continues to call me non stop. The are also in violation of the FCRA for not reporting this debt as disputed on my credit report. I DO NOT owe this debt. And this company still can not provide me proof. my social is XXXX date of birth XX/XX/XXXX. I will file a civil suit against your company if I have to so that my rights are protected as well as notify the media of your violations to see if any other consumers rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money rate.

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