BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-16
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had signed up for a XXXX under a promotion that was supposed to reward me with XXXX AAdvantage miles after spending {$1000.00} in debit purchases and 2 consecutive bill pays. I had signed up in XXXX 2016 and received the account in XXXX. At the beginning of the process, I called Citi to make sure everything was straight with the promotional details, and was assured that when I completed the requirements, the miles would end up in my account. I promptly made the required debit purchases and bill payments and called Citi again in XXXX 2016 to ask when the miles would post. I was told by one Citi representative that the miles would post as soon as the statement period closes in XXXX. An online representative told me to wait until the end of the month. When that happened, I checked and the miles had n't posted. I spoke to a representative online and was told it would take 90 days for the miles to process and I should check back in XXXX or XXXX. That answer was very uncomfortable to me because I had planned to use the miles for a trip in XXXX and I needed to book tickets 2 months in advance. So I called back again and was told that the miles would appear on XXXX XXXX. When I checked on XXXX XXXX, the miles still have n't posted. When I called back again, the representative could n't figure out why the miles had n't posted and decided to open up an investigation on my account that would take a few weeks to complete. On XXXX XXXX, I received an email saying that my account was n't eligible for the promotion, which contradicts everything I was told by Citi since I signed up in XXXX. I followed Citi 's instructions as they were given to me, and believed the representatives as they told me the miles were coming. 
Also, I held my account open much longer than I would have if I knew my miles were n't coming, and paid the monthly fees to keep the account open. When I was told my account was going to be investigated, I presumed I was n't going to be charged the monthly fee for the account, and I did n't use the account at all during the time period. I did n't want to fuss with an account that 's being investigated and I do n't think I deserved to be charged for the account during that month. However, Citi still charged me for that month and it led to a {$38.00} overdraft fee that I do n't believe I deserve. I believe I was wrongly misled during the signup of the account, throughout the account 's lifespan, and charged monthly fees and overdraft fees for falling into their deception. If I had waited until XXXX like one representative told me, I would have been charged a lot more in fees, miss out on my XXXX trip, and get XXXX miles in reward for my effort and sacrifice. This is obviously unacceptable.

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 2015-10-06
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
My wife and I had purchased a vehicle from a dealership, and the bank the they used has now refused to give us the Title, since a Medical condition caused us to falter on the last few payments. The bank in question has been playing " hide & go seek '' with the Title, using various other institutions as a penalty to us. I once told them to come and pickupt the vehicle, AFTER they made contact with me, but they didia random drive-by to try nd pick it up. When it was n't in front of the house, they then used this tactic as an excuse to with-hold the Title, and claim we did n't deliver as promised. I have multiple documents to demonstrate their devious tactics. The first company they claimed was holding the Title was the " XXXX XXXX, '' in XXXX, MA. Then when I contacted XXXX, they stated in an UNDATED letter that " XXXX XXXX XXXX '' ( XXXX XXXX, XXXX ) to make arrangements to return the " collateral. '' No mention of me acquiring the requested XXXX. The envelope is dated for XXXX XXXX, 2015. BB & T was provided with every piece of Medical information to demonstrate why my obligation to meet the payments were not met. Instead of obtaining the vehicle under professional and mutual means as I attempted, on numerous occasions, they instead started playing with my already XXXX and will, after the well documented XXXX ( " XXXX '' ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I ordered flowers from XXXX XXXX for my aunt 's memorial. That company did n't deliver the flowers in hand to anyone. I gave them my uncle 's phone number so they could call him before delivery. He is XXXX so he may not the door bell if someone rings it.The person left the flowers by a door that was n't used by anyone and no one knew the flowers were outside in the the sun all day, from XXXX until XXXX when my cousin called to tell me they\\\\ they did n't received the flowers. I was terribly upset since it was the last thing I could do to honor my aunt and no one got the flowers for the memorial service. I called XXXX XXXX and told them I wanted a full refund. They offered half my money back right away but said if I wanted a full refund and they said they would have to pick the flowers up to get the full refund. I told them to pick the flowers up. 
This was back in XXXX when the weather was very hot. 
I told them I was n't paying for the flowers and called customer service with Macy 's American Express card and told them to put a stop payment on the flowers. The person I spoke with told me they would take care of it. The next month I called them when I saw they had paid full payment to XXXX XXXX for the flowers, they lied to me. Each month I called about my bill and they lied to me telling me it was taken care of while charging me interest on the unpaid amount for the flowers each month. I have been lied to so many times now that I ca n't trust this company anymore. They never should have made any payment to XXXX XXXX until the matter on the flowers was resolved. I am going tear up myc card and never use it again. I hope you can help me with this situation.

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 2021-04-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal received a non legal document from the NYS child support corporation stating that I have a judgement against me. I have written the NYS corporate and asked for proof of this debt or undertaking or signed judgment from an administrator. They have failed to provide me with that proof. I called the NYS corporation and asked is there a debt owed to the state of New York and they said no, that I dont owe the state any money for child support in fact I dont have a child that lives in that state of New York. I have asked Navy Federal to please send me a warrant or a signed judgment from a competent court house or administrator or judge to prove there is a debt. The document they received has no state seal or judges signature to seize my assets. Federal law is clear on the facts about child support. Navy Federal has closed my account and has taken my money, based on nothing but a piece of paper thats not a legal document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my card because the goods received were defective and not as described, and the merchant was not responsive to my requests for return/refund. Citi opened an investigation, but did not collect any information from me. The case was then closed because Citi said the merchant provided ample evidence that my claim was invalid. The evidence from the merchant was nothing more than tracking information when goods were first shipped to me. I dont understand how that constitutes ample evidence that my claim was not valid since I was not disputing the charge on the grounds that the items were not received, but rather they were defective and not as described. I reopened the claim and submitted 1 ) correspondence between myself and the merchant that showed that the merchant dismissed my claim and did not respond to requests to return the item and seek refund and 2 ) several pictures depicting the defects and differences from what the seller advertised. Citi again closed the investigation in favor of the merchant because I did not provide evidence I returned the item. I can not provide that evidence because the merchant refuses to assist in the return. 

This is the same claim as XXXX, but Im listing Citi as the company ( XXXX was the merchant )

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 2016-12-28
Company: Media Collections, Inc
State: CA
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:
Offenders : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - Account Representative Joseph , Mann & Creed They are attempting to collect a debt we do not owe. We paid this debt as rent, provided the theaters proof ( check # s, deposit date, amounts ) over two years ago, and they are still trying to collect. We have proven time and time again we are done with this and they are still attempting to collect. 

XXXX XXXX has since attempted to collect this debt sixteen times after they have been given proof, and have brought in Joseph Mann and Creed ( adding them makes 17 times they have attempted to collect a debt we do not owe ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft. Back in XXXX, my identity was stolen and used to open fraudulent accounts at various department stores ( including Macy 's ). I filed a police report and immediately notified all of the creditors. I have contacted Macy 's customer service on several occasions to have the account closed and notified them this was a fraudulent account that I did not open. They assured me they would resolve the issue and I did not owe the debt. I continue to receive statements and now collection letters for the debt. I sent them a certified letter stating the debt is not mine and to discontinue sending me statements or collection letters. Macy 's has ignored every request and continues to pursue this debt. I am going to also file a complaint with the FTC. It is illegal for them to continue to pursue a debt they know to be fraudulent. All of the other creditors have all closed the other accounts and cleared me of any responsibility. Macy 's is the only XXXX that continues to pursue this debt with someone they are aware is not responsible or under any legal obligation to repay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a Citi visa best buy card that has been tampered with and charges were made on my account that are not mine. The only charge on my card is from XX/XX/XXXX from XXXX for XXXX. Citi still has my account with a balance of the following below : Last Reported XX/XX/XXXX Creditor Name CBNA Account Type Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$2000.00} Term -- Monthly Payment {$65.00} Responsibility Individual Balance {$1300.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status Current Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 0/0/0 Remarks

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 2016-11-07
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Rewards

Complaint:
I applied for and was approved for the Citi XXXX XXXX XXXX XXXX XXXX card which included a promotion of getting a statement credit applied to my account for a phone I bought on this card through XXXX XXXX XXXX, and I would also have a 0 % APR on purchases through XXXX XXXX XXXX after meeting the requirements. I have confirmed via online chat through Citi 's website that I met the requirements XXXX different times, both times they stated the credit should be applied within XXXX billing cycles. I met all requirements in XXXX and have still not received a statement credit. I have been charged interest on the balance I have left, which has been less than or equal to the XXXX XXXX XXXX purchase, which qualifies for the 0 % APR for 7 months. Citi has misled me multiple times and at this point I 'm unsure if they are working to resolve my situation.

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 2021-04-22
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
REPEAT ISSUE : Inaccurate, unverified bankruptcy reporting against me. At this point this dispute is to collect more evidence of willful negligence from the credit bureau in this issue for court. 

No real investigation has been conducted on the issue.

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 2016-11-17
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Payoff process

Complaint:
The Home Depot offers consumer credit cards which are serviced through Citibank. 
They periodically offer extended payment terms with no interest charges if paid within XXXX, XXXX, XXXX, or XXXX months depending on the amount of the purchase. The extended terms purchases accrue interest at 25.99 % which is only charged if you fail to pay the balance in full before the extended term expires. 
The problem is the way that they apply payments that are made on the account. The online payment system does not allow the customer to direct which balance that you want your payment to reduce. 
In general, the typical account will have balances from : 1 ) current month purchases ( which have not appeared on a monthly statement ), 2 ) prior period purchases ( which must be paid in full by the payment due date to avoid interest charges ), 3 ) one or more extended terms balances ( which must be paid in full by a specified date to avoid the deferred interest charge ). 
The Citibank system will automatically apply a payment to current month purchases before applying anything to the extended terms purchase balances. Obviously, they try to make sure that you do not get the extended terms purchase paid in full before the expiration so that they can collect the accumulated deferred interest charges. 
As a result, I have stopped making any new purchases on my Home Depot credit card which forces Citibank to apply my payment to the extended terms purchases. However, they are still applying the payment to the extended term purchase with smallest amount of accumulated deferred interest charges hoping that I will fail to get the larger balance paid in full before expiration.

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 2017-10-11
Company: Michael Haynes & Associates, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called office line on XXXX/XXXX/XXXX from XXXX - XXXX. Inquiry regarding to a closed Credit Card from XXXX. We asked company to send the notice in writing, continually called and harassed office staff. Profane language and repeated calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Last summer I purchased my first home and took out a mortgage. When evaluating different mortgage lenders I compared Citibank to XXXX XXXX and XXXX. Citibank was not the most competitive on rate, but they told me that if I chose a Citi Mortgage, I would not incur minimum balance fees on my Citigold bank account after I withdraw funds for my down payment, because the mortgage balance would count toward my total Citibank relationship. I chose the Citi mortgage because of this benefit as I wanted to avoid any minimum balance fees after buying my home, and I wanted to maintain my Citigold status because of its several financial benefits. For the past 15 months everything was fine, however last month I received a minimum balance fee of {$30.00} for the first time. I was told by Citibank that they are no longer honoring their policy of counting a mortgage towards a my total relationship with their bank. They misled me into choosing a Citibank mortgage with them based on this policy being in effect. When I was first evaluating what mortgage provider to select, I evaluated the costs of paying fees on my Citigold account and using a different lender who had better rates versus choosing a Citi mortgage and avoiding Citigold fees. I ultimately chose the Citi mortgage so that I had the ability to keep lower bank account balances while still keeping my Citigold status. The Citigold status provides certain financial benefits that factored into the decision. There were absolutely zero disclosures on my mortgage documents relating to the potential risk that their policy of counting my mortgage as part of my total banking relationship could be be cancelled at any time. I thoroughly reviewed all of my original mortgage paperwork and find no reference to the risks of these changing policies. I was led to believe that this policy was fundamental to the mortgage, and that it was something never at risk of changing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: CITIBANK, N.A.
State: SC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been disputing incorrect information Citi Financial has had on my XXXX credit report for over two years. They have been reporting to XXXX that I have a charged off account that was paid/settled for less than the full balance. I have never been in contact with Citi Financial to discuss a settlement nor did I pay any balance Citi Financial claims I owe for less than the full amount of the original balance. In XXXX XXXX, I received a letter from Citi Financial confirming I have never been involved in any settlement nor have I paid the balance they claim I owe and they would update my credit report to reflect a balance of {$6100.00} within 30-45 days of the letter. That has not happened over the last 15 months. In fact after my last dispute of this account with XXXX on XXXX/XXXX/XXXX, they reconfirmed with XXXX on XXXX/XXXX/XXXX that the account was paid for less than full balance. This currently is and has been false information on my XXXX credit report has impacted my ability to apply for loan items. This is a violation of the FRCA and I request this account be removed from my XXXX report immediately.

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 2016-11-30
Company: Kriya Capital, LLC
State: TX
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:
My account with XXXX went to collections, and in XXXX, she settled the debt with Credence Resource Management. We have begun receiving additional calls from different collections agencies alleging that there is a remaining amount of the debt that needs to be paid, which is false. We have contacted XXXX who advised that they received no information regarding the settlement with Credence. A manager with Credence, XXXX XXXX, advised today that " we are not the only people calling regarding this issue with XXXX ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reporting erroneously/ incorrectly/ inaccurately with Credit Reporting Agencies.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-22
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am offered a Modification with very little information other then a Trial Payment of {$2700.00} from SHELLPOINT MORTGAGE SERVICING- The Contact agent will not give me the interest rate or the MORTGAGE AMOUNT- this is the third time and I am not going to pay {$8300.00} to fined out in XXXX to XXXX that a TON of Money is added to back end of the new NOTE-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation