BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XX/XX/XXXX, I placed a Fraud Alert on at all XXXX credit bureaus with my XXXX cellphone number. I changed my phone number when I moved to XXXX XX/XX/XXXX. I understand that the credit bureaus do not keep phone numbers but that the Fraud Alert message has my old phone number. I have contacted all XXXX bureaus ( via phone and mail ) with no success to update this. The Fraud Alert is supposed to fall off in XXXX XXXX. 
Citibank Credit Cards is unwilling to provide me with a replacement card or close my credit card account because my current XXXX cellphone number does not match the Fraud Alert XXXX number. I was told by XXXX XXXX that the Fraud Alert should not affect existing accounts such as Citibank. Since Citibank will not close my account and will not give me a new card, I will be charged the {$95.00} annual fee but will not be able to use my credit card. I feel that this is unfair and they should at least allow me to close the account. 
I 've exhausted all my options. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Had free checking and free savings accounts with direct deposit. With bank of America. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!

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 2021-02-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I add a " authorized user '' to my account via my on-line account, it was mailed to my p.o. box ( the only address associated with my account ) I received the card in the mail. I never activated the card. 
On XX/XX/2021 I received txt messages informing me the transactions were made on my card. I didn't not recognize these transactions so I called my credit card company. It was at this time they informed me that someone had called and requested a duplicate card and requested that it be mailed to a physical address not associated with my account. My credit card company fulfilled this request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
I recently paid off a Citi card in full before it reached my credit report. When I paid it in XXXX of 2013 it was explained to me that it would not report on my credit report. I recently had my credit report pulled for personal reasons and saw they did report it after it was paid. I would like them to consider removing it off of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I, XXXX XXXX received a call from XXXX XXXX XXXX XXXX on XX/XX/20 to inform me that I owe money to a Pay Pal Credit account. I inform this company that I XXXX XXXX DID NOT open any account and I don't know what pay pal is. Nor do have any idea who has done this. The account number is XXXX in need of a payment of {$3700.00}. I never received and pre-paid or pay pal card I don't Know anything about this!

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 2016-08-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account in Citibank with promotion code XXXX. 
The terms of this promotion is as follows : Make an eligible deposit of {$50000.00} or more in new-to-Citibank ( R ) funds into your new Checking or new or existing Citibank Savings Plus account within 30 days after account opening. Maintain a minimum of {$50000.00} for the next 30 days to receive your bonus. The cash bonus will be credited to your new checking account within 90 calendar days from the date when you completed all offer requirements. 
THE ACCOUNT WAS OPENED ON XX/XX/XXXX AND THE DEPOSIT OF {$50000.00} WAS COMPLETED ON XX/XX/XXXX. 
PER THE REQUIREMENT, THE BONUS AMOUNT SHOULD HAVE BEEN CREDITED IMMEDIATELY AFTER THE 90 DAY PERIOD WHICH WAS XX/XX/2016. 
I HAVE BEEN CALLING CITIBANK AND ALSO SPOKE TO A MANAGER AT THE CITIBANK XXXX XXXX BRANCH : PERSON : XXXX. AND THEY KEEP TELLING ME TO WAIT AS THEY ARE DOING AN INVESTIGATION ON THIS. 
I WOULD LIKE THE BUREAU TO INTERVENE AND GET ME MY MONEY ASAP. 
THANKS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XXXX 2016 to present, Citifinancial has continued to report erroneous information on my credit report. I have attached the response I received from them. They state that I took out a loan, secured and defaulted with a property located at XXXX XXXX XXXX XXXX XXXX FL. This would not be possible, since I have never owned a property at such address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: BBVA FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I called bbva and spoke to no less than 3 representatives about a credit card that they're reporting to the three credit bureaus. This credit card wasn't opened by me. For some reason they wasn't able to locate the card in their system. This card is reported opened on XX/XX/2014, with a {$20000.00} limit. Ironically it is in good standing but I did not open this card or have it in my possession. Please investigate. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have fallen behind on my Home Depot Credit Card. When speaking with them to try to resolve this and make a payment arrangement, they asked me to update my contact information. After entering my correct information, I received an e-mail verifying my changes, my contact info has not changed throughout the course of my relationship with them. In the e-mail that they sent me, it includes my relatives phone number and not my own which they have always had. How did they get my relatives phone number and why would they have added it to my account when I did not provide it to them? I do not want anyone to now that I have fallen behind on my payments and it appears to my relative that I had provided their number to Home Depot and not my own. This is such an invasion of privacy. They should not have that number as I never provided it to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
on XXXX/XXXX/2015, I called citi to close my account ( paid off with zero balance ), and citi call agent ( Name : XXXX, agent id : XXXX ) gave me a hard time refusing to close my accounts and after XXXX mins of me begging him it was still not clear if my account was closed or not. 
on the same day, XXXX/XXXX/2015, I had to fill a CFPB complaint hoping citi can respond and close my account. Case number : XXXX. 
on XXXX/XXXX/2015, citi responded and claimed my account was closed. But I checked online and my citi online account showed " This account has been converted to a new number. " on the same day, XXXX/XXXX/2015, I followed up on my CFPB complaint to dispute, hoping citi can take real actions to close my account with no further delay. Unfortunately citi did n't respond. 
on XXXX/XXXX/2015, I received a letter through mail from citi celebrating my account has reached 1 year anniversary, stating " your account has been current for the past year. we are confirming that your citi AAdvantage gold world elite master card account has been in good standing for the past 12 months. during that time, you 've kept the account current under the terms of your card agreement we appreciate it. we are working hard to serve you, and we 're always look for ways to do more. feel free to contact us if you have ". A scanned copy is attached XXXX. 
Seriously, citi? I have only XXXX suggestion which you failed for weeks : CLOSE MY ACCOUNT! I would never ever have anything from citi, given this horrible experience. 

When you book future customers, I wish you inform them what process you want your customer do to close their account with you for real? I can fill as many as CFPB complaints, given you do n't address follow-ups.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Advertising, marketing or disclosures

Complaint:
they issued my XXXX cards and as I understood that the cards can be expired but not the fund. so when my cards expired, I requested for cards to be reissued and they refused to do so. I would like CFPB to look into this matter and protect me as a consumer fairly so I can get my funds back. Please contact me if you need any further information.

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 2015-08-28
Company: Hatfield Portfolio Group LLC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called a total of 4-5 times in XXXX hours. I was finally able to answer and when I did so the woman on the phone did not state that she was a debt collector nor did she read a mini miranda she informed me of the balance due without verifying any information. when I spoke to the woman she informed me that if I was unable to make a payment by the company she worked for would file suit against me. I also asked her to sent me proof that she had authority to collect on said account and the original agreement in which she told me she could and instead she sent me a letter from her company on company letter head stating what was owed on the account and the original creditors name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: ENCORE CAPITAL GROUP INC.
State: AZ
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:
THE INFORMATION ON MY CREDIT REPORTS IS FRAUDULENT AND AFTER DOING MY RESEARCH I FOUND DOES NOT COMPLY WITH THE FCRA MANDATES ON MULTIPLE VIOLATIONS THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INACCURATE INFORMATION.- ERRORS THAT INCLUDE INCORRECT ACTIVITY DATES, ACCOUNT STATUS, DATE OF LAST ACTIVITY, DATE VERIFIED, DATE OPENED THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT INCOMPLETE INFORMATION. FIELDS THAT ARE BLANK, MISSPELLED NAMES, THESE ITEMS MUST BE REMOVED FOR REPORTING FRAUDULENT UNVERIFIABLE INFORMATION. - NO BILL OF SALE WITH AN ACCOUNT NUMBER, NO CONTRACTS WITH MY SIGNATURE, IP ADDRESS, ETC FOR ALL OF THE REASONS STATED ABOVE THEY MUST CEASE AND DESIST REPORTING ALL ACCOUNT INFORMATION TO THE 3 MAJOR CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I previously filed a complaint for charges made by Citibank to my credit card for credit protection fees. My complaint number is Case number XXXX You indicated that Citibank issued a credit to me for {$30000.00} What Citibank did was issue this credit which brought my account to a negative balance but Citibank Still charged and collected {$8400.00} in payments and charged {$6200.00} in interest on a negative balance. Then charged XXXX for new credit protection. 

If you take the credit and deduct new charges and collections by Citibank the credit they issued is only {$14000.00} Look at the attached summary numbers are in black and white. Citibank still owes me more than XXXX in credits. Please assist me in collecting these funds.

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 2016-04-25
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Other

Complaint:
Citibank is a credit card co that my Ex husband took out in my name ( with no way to prove it ), 18 yrs ago. I am XXXX and very sick.. I was NEVER contacted by this company, and on XXXX XXXX, 2015 My Domestic husband passed away XXXX we were together 15 yrs, I stopped working the next month in XXXX and in XXXX 2015 this company that I DO NOT owe tried to garnish my wages, but I was not working there when they did this and instead of repealing it they left it sit there with the company, I came back to work this month, 8 months after my " husband '' passed I got my first paycheck to find out they garnished my wages for XXXX after I called my employer, they told me, and I filed a motion with the court to have this garnishment stopped as I not only do not owe it, but am a very sick woman and can barely pay my bills. that is why I got the work at home job ... I should NOT be working now but since my " husband '' died XXXX I do not have a choice, I cant make it on my own, and this garnishment is making things harder on me. I need for them to stop this garnishment I can not pay my bills or eat with this garnishment, and the little help I do receive I wont be receiving anymore due to me working., if I can not get them to stop the garnishment I will have no choice but to file bankrupcy.

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 2017-01-27
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Consumer Financial Bureau. 
As I have already stated in my complaint # XXXX, I have been for the last 4 years trying to settle an equity loan with Citibank Financial group. After receiving a loan settlement from XXXX in which I responded with a payment plan of 6 weeks they denied once it was submitted to Citibank. Then citibank took back the loan from XXXX and started sending me communications. I then hired the law offices XXXX in which I submitted several loan settlements and all were turned down. Once again I am being penalized for a home that I have owned for the last 20 years. After been unable to continue payments to the law firm to represent me, I have been sent several email messages to my loan support specialist XXXX XXXX and made several telephone call to Citibank XXXX number, only to keep getting transferred from one representative to another and unable to speak to XXXX XXXX which they keep stating is my Support Specialist but she is unavailable. Although I keep giving them her extension number they will not transfer the calls to her. Citibank keeps playing games and does not respond to any of my emails or telephone calls. Meanwhile the loan interests keep on piling up and I have no way to reaching them. This is unjust and unfair. Once again proving how the big banks keeps punishing the little guys. I would like someone to intervene of my behalf and assist me in getting this matter resolved.

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 2015-08-09
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
My Citi Prepaid card XXXX expired on XX/XX/2014. It had a balance on it that Citi Prepaid ( 3rd party contracted by Citibank ) refuses to reissue. Per CFPB, the balance is valid for 5 years even if the card expires. I spoke to XXXX, rep number XXXX who despite being informed of the CFPB guidance refused to comply and refused to reissue the card or the amount. I feel cheated out of my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is the second or third time I have had to address the issue of unverified lack of documented proof of accounts listed below. 
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. Once again there is still no PROOF OF CLAIM and the items listed below still remain on my credit report. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of the accounts. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA, and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX 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 2021-06-28
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:
Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.

Company response to consumer: Closed with explanation