BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
I received an application from CITI for a XXXX Credit Card. On XXXX/XXXX/15, I called to inquire information about it. My main concern which I reiterated was that I did n't want to lose my points that I had accrued. The gentlemen I talked with initially said I would, but then when I said I had XXXX CITI cards which were linked together earning points, he then put me on hold and said he needed to talk with someone about this. He came back to the phone and said, no I would not lose my points and he would open up the new XXXX Card. I asked him again, are you sure. He said yes, that I would n't lose my points. I then got his name & where he was located, just in case there was a problem. For several months the points were on my statement, so I never gave it any thought there was a problem. Then I checked my statement on line & the majority of the points were gone. I called CITI XXXX XXXX/XXXX/15 XXXX & talked with someone who stayed on the line while I talked with the Department who handled the Thank You Points. She had the other operator fill out a dispute form & said, that it was what had to be done, but assured me that I would get my points back. I received a letter date XXXX/XXXX/15 denying my reinstatement of the points. 
XXXX/XXXX/15 ( XXXX call ) I asked the representative to please pull the voice recording to verify what I was saying was true. She said there was nothing more she could do. 
This was blatantly fraud on the gentlemen 's part to initiate this credit card when I emphasize that I did not want to lose what I had been saving up for years with my points. My points were denied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-09
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Citibank bank account XXXX checking ) and credit card and ATM/Debit card. I travel. Every 5 years when my ATM card expires Citibank disconnects me from my on line banking, until I enter information from the NEW ATM card that they sent to me. But I am traveling and I did not get my new ATM card yet as it went to my mail forwarding service. So I can get it if I call my service and ask them, to package up my mail and send it to me here in Maine. However receiving mail where I am in Maine is not too secure. Please note that no other bank that I use DISCONNECTS me from my on line banking every 5 years when my ATM card expires, and usually I am not at a place to receive the new ATM card as I travel.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by the law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec.1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you pease check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

I DEMAND THE FOLLOWING ACCOUNTS TO BE VERIFIED OR REMOVED IMMEDIATELY. 

Name of account Account number XXXX XXXX XXXX XXXX Name of account Account number XXXX XXXX XXXX XXXX Name of Account Account number Preferred Lease. XXXX XXXX Cancel contracts. Please provide the original contract or delete. 

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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

Complaint:
I applied for a Citigold checking account with a promotion for XXXX AAdvantage points if {$1000.00} of debit purchases were completed within 60 days of opening an account and making qualifying bill payments for two consecutive months. I fulfilled the requirements but had not received the points so I made an inquiry. Their investigation tells me that I will not receive the XXXX points because even though they did not provide me a debit card until after XXXX/XXXX/2016, they started the 60 day duration for debit purchases ( which require a debit card ) on XXXX/XXXX/2016. I have included a timeline of events below. 

XXXX/XXXX/2016 - Application submitted Late XXXX - I received a packet saying that I needed to sign and complete an enclosed signature card, IRS Form XXXX, and also fund my account before it could be activated XXXX/XXXX/2016 - I mail a {$4000.00} check deposit, signed card, and XXXX to Citibank XXXX/XXXX/2016 - I receive an email stating my account is not activated and I have a few more steps. I call and confirm that I have completed the steps and I 'm waiting on my account # and card XXXX/XXXX/2016 - I notice that my check has cleared my XXXX XXXX account, but I still have not received a card or account number XX/XX/XXXX/XX/XX/XXXX - I receive my debit card XXXX/XXXX/2016 - I start making debit purchases XXXX/XXXX/2016 - I make a bill payment to Bloomingdales XXXX/XXXX/2016 - I fulfill the requirement of making & gt ; {$1000.00} in debit purchases XXXX/XXXX/2016 - I make my second Bloomingdales bill payment XXXX/XXXX/2016 - I make an inquiry and Citibank opens an investigation. 
XXXX/XXXX/2016 - I follow up and I 'm told that they are overwhelmed with similar inquiries to mine and I need to be patient. 
XXXX/XXXX/2016 - I follow up and give them information that I proves that I am a targeted member of the promotion and fulfilled the requirements. 
XXXX/XXXX/2016 - Citi responds saying they see I 'm part of the promotion but they opened my account on XXXX/XXXX/2016 and I did n't complete the debit purchases until XXXX/XXXX/2016. 
XXXX/XXXX/2016 - I respond saying this can not be true because I could n't possibly make debit purchases without a debit card and I submitted a check to activate the account on XXXX/XXXX/2016 which they did not deposit until XXXX/XXXX/2016 XXXX/XXXX/2016 - Citi responds saying they 've added the notes to the investigation, but it may not get an exception. 
XXXX/XXXX/2016 - I respond saying it is not an exception, it 's a system error. 
XXXX/XXXX/2016 - Citi responds saying the investigation is closed, they list the promotion requirements, and state that I did n't make debit purchases within " stated timeframe ''.

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 2020-01-16
Company: STERLING JEWELERS, INC.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a letter XXXX dated XX/XX/20 ) from XXXX XXXX Card Services on XX/XX/20 advising they closed my Kay Jewelers credit card account due to inactivity. I received no prior notification of this closure. I called customer service and was told that is just what they do, I escalated to XXXX she kindly told me I can re apply but reopening my account is not an option. I requested her manager as 2 issues : You have damaged ( lowered ) my credit score by closing the account. This lowers my percent of usage and shows an account recently closed. 2 if I reapply that is a hard inquiry on my credit which also lowers my credit score. I request that this account ( that was in good standing ) be reopened immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Google Compare Credit Cards Inc.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened a Google Wallet ( GW ) account and I connected it to a checking account. I received a {$1800.00} payment from a rental tenant and then GW shut down the account and trapped my money inside the account. GW 's reason for shutting down my account was that I violated the terms of the agreement. GW refused to share what actions violated the agreement and they also refused to give me a chance correct or clarify whatever terms I may have violated. GW stated they would refund the money to me in 30 days then and they stated 60 days so I have no confidence that their process is fair ; it is certainly not clear. Also, why does it take 30 or 60 days to refund my money after they close my account? Its my money, not theirs. If they insist on closing accounts unilaterally, they should not hold money that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following account listed on my Equifax credit report has been deleted numerous times and keep reappearing on my credit report : MN Child Support, XX/XX/2003, {$4100.00}, the account is a fraudulent account and is not my account. Equifax has deleted this account from my credit report countless times. The account do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Customer service transfers you over and over and you get the runaround. My question relates to getting the Account and Routing numbers. Prepaid cards DO have this as well. B of A is dragging their feet because they told XXXX  they wanted OUT of the contract to provide the service. 

Online threads ( see attachment ) report that people have been able to get this information- so it has to be available somewhere.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Can you please have these 3 lying companies investigate these inaccurate account. 

They do not meet FCRA and FDCPA laws, they are violating so many laws in my face. 

Can you please help me out, Ive disputed multiple of times, and they failed to do their job. 

They also failed to provide me with any documents concerning everything i disputed.

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 2015-11-19
Company: CITIBANK, N.A.
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am a Citibank credit card ( Premiermiles/Platinum ) holder. Without any official or oral notice from the bank, my card was frozen this noon and resulted in no availability to pay my lunch with my client, which made me so embarrassing. After back to office later, I phoned the customer service and found out that my credit card was frozen for the reason of high risks of not personal using. 

First of all, I ca n't believe that how could they judged my consumption and payment with this card is not personal using. I traveled a lot and also paid hotels, meals, gifts and leisure. What is personal using? How do they approve my payments are not personal purpose? 

And also, I had not received any notice, even no call/message to inform me that my card would be frozen. Now I could not check any information about my previous statements history and rewarding point is zero. I am going to apply for a XXXX visa, now I do n't know how to approve my financial affordability without the bank statement. 

The annual fee for this platinum card is over XXXX USD which I was forced to pay it in the XXXX month of my using this card. It has been only 4 months for my using this Citibank card. The bank would not be returning proportional money as they have frozen my card. 

All in all, as an ordinary card holder, Citibank is making unfair movement to me as they could always use the corporate privilege against individual client.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was through CitiMortgage, Inc. My homeowners insurance was through XXXX , Mo , expiring XXXX. XXXX XXXX did not renew my policy and did not notify me of the non renewal. CitiMortgage purchased force-placed insurance on the structure only, not the contents but did not notify me of this. My house burned down on XXXX XXXX, 2015. I called my insurance company and was informed I had no insurance. I called CitiMortgage and was told it was notified by my insurance company of the non-renewal and had acquired force-placed insurance, but did not notify me as required by XXXX. I received compensation for the loss of the structure but there was no coverage for the contents. My attorney wrote a letter to CitiMortgage and we have heard nothing. I have calculated my loss that was not covered. XXXX XXXX XXXX XXXX and CitiMortgage should be responsible for this loss. After my house burned down on XXXX XXXX, 2015 I called CitiMortgage. This is when they told me my homeowners insurance had lapsed. They sent me a letter telling me about the force-placed insurance on the same day and I am attaching it to this complaint.

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 2016-10-21
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I called Citi Gold Checking Services to inquire about a current promotion. Citi verified when I called in that I was able to open a checking account and if I completed the necessary requirements ( 2 bills pays in 2 consecutive months ) then I would receive XXXX Citi ThankYou points. 

I also currently have the Citi Prestige card which has a {$450.00} annual fee. Once I signed up for the checking account Citi for some reason sent me back a portion of my annual fee I already paid with no explanation. Then they charged me the full amount of the annual fee with no explanation so I am out over {$100.00}. ( Complaint # 1 ) I completed 2 bill pays in consecutive months and called back into Citi to confirm that the necessary requirements were met - they confirmed this verbally but then said I had to wait 90 days until these points would be added to my account. Waiting was no problem. Once 90 days came I called in again to see where my points were. They said that they should be showing up at any time. Another month later with no points they said they were coming. At this point Citi was charging me $ XXXX/month to keep this account open. 
Finally I called in again and Citi said that they would review my account to see why I had not received my points since I did meet the account requirements to receive these points. 
Another month went by and I received a letter in the mail from Citi stating that I did not qualify for the promotion since I was not targeted. 
I called in and Citi said I was not targeted for the promotion so they would not give me my XXXX ThankYou points. I said that I had called in to verify that I qualified before applying but they dismissed by claims. ( Complaint # 2 ) On top of this all, Citi was charging me $ XXXX/month to see where my points were. My account just reached {$0.00} and evidently they automatically closed the account. I called in and they said my account was closed due to inactivity/insufficient funds. This is because they took out the monthly fees while I was trying to work with them on where my points were. ( Complaint # 3 )

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 2015-08-07
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Citi bank credit card keeps calling for a XXXX and u have told them they have ththe wrong phone number. HAve been calling since XXXX XXXX. I auto rejected them but enough is enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I paid down ( Approximately XXXX XXXX ) my Cedit Card by XXXX with a XXXX XXXX XXXX XXXX ( photo of Money included prior to mailing ) by mailing the Money Order to Citicards. I kept checking my card balance to see if the payment was ever applied to reduce my balance. The Balance was never reduced and the I found out from the XXXX XXXX XXXX that the Money Order was cashed on or about XXXX XXXX, 2016. I have filed papers with XXXX XXXX ( also included ) requesting an investigation. I have also requested CitiCards ( Payments Investigation Dept ) to determine who cashed my Money Order made out to Citicards. I also forwarded to Citibank copies of my paper work to XXXX XXXX requesting an investigation ( paperwork also attached ). 

I am aslo forwarding to the CFPB copies of documents forwarded to Citicards and 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 2022-08-29
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Santander Consumer USA , Inc on XX/XX/2021, there is an inquiry from this company, I have sent letters to the bureaus have them fix the issue. Decide to dispute it with the company which I send a fax too to thXXXX XXXX XXXX XXXX XXXX XXXX requesting them to delete the unauthorized inquiry on my credit report ; demand {$1000.00}. I have never done business with this company in my life or even given them authorization to pull my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: NY
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 REMOVE THE DISPUTED ACCOUNTS OFF MY CREDIT REPORT. THE TRANSACTIONS ARE INACCURATE AND I WOULD LIKE THOSE ACCOUNTS OFF MY FILE. THEY HAVE BEEN HINDERING MY CREDIT AND HAVE CAUSED HARM OFF ACQUIRING NEW CREDIT. PLEASE INVESTIGATE AND HAVE IT OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-31
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 've been paying my mortgage since the first time i received my first payment letter, but now statehome mortgage has sold my loan and the new mortgage company is saying im 120 days behind. How is this when i have all bank statements confirmation emails etc, showing when ive paid my mortgage in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief