BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-01
Company: Empowerment Ventures, LLC
State: MI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
Rushcard promises two day early direct deposit. My dd usually comes no later than XXXX XXXX one day before my payday well still no money. And customer service has been unreachable for 3 days now. Yesterday I called XXXX times and was on hold XXXX to XXXX min a piece only to be hung up on. My online account access has been locked since XXXX since then I have not been able to reach customers service. I switched to another card company but still have XXXX more direct deposit coming from my job. I have to leave town for a job interview today and can not go because I have no money. I have XXXX kids and I need to feed them. This is no joke this is my hard earned cash I plan on obtaining XXXX attorney if I do n't hear anything by XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Delinquent account

Complaint:
I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.

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 2016-11-15
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi promised me a XXXX-point bonus for my Citigold checking account but never credited it. 

I filed a complaint with the CFPB, which forced Citi to comply, but they needed proof of verification in. I sent it in, only for them to reject it on a technicality, claiming I had not checked a box. I then sent in a revised form several weeks ago, and still have not heard back from them, and their delay is getting extremely frustrating.

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 2016-06-08
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account with a promotion code for XXXX XXXX XXXX AAdvantage miles for signing up and completing some requirements. I received confirmations that my bonus would post by XXXX XXXX. Some time before XXXX XXXX, one of my friends had said he had some issues getting his bonus - Citi told him he was not eligible for the offer, even though Citi allowed him to sign up for the account and collected his monthly fees. So I reached out to Citi customer service to make sure I would not have similar issues - that I was indeed eligible for the bonus. I received written confirmation ( attached ) that I was eligible for the bonus and completed the requirements, and the miles would post after the XXXX statement. Now, the miles have not posted and Citi has promised an investigation taking 24-48 hours. It has been six days and so I am filing a complaint. I am not happy with the service and the account, and the longer they take to respond, the more monthly fees they will collect. This seems like a bait-and-switch from Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I was promised XXXX pts from Citibank for opening the HHonors credit card but I have n't received it yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Radioshack/ CBNA is reporting a tradeline on my credit report that is not my account, has never been verified as my account and is now is older than 7 years old. Radioshack/CBNA has refused to remove this item and refuses in writing to verify due to my inquiry being " frivolous ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/15 I applied for a Sears Credit Card at the Sears store in XXXX, NC. I was told that I was denied. The next day, I received a rejection letter in the mail. In XX/XX/XXXX, I requested my credit report and was made aware of Sears reporting I have a credit card with them with a {$130.00} balance and past due amount of {$91.00}. I do not have a SEARS credit card ; nor owe them {$130.00}. I tried to get the information on my report corrected through the credit reporting agencies but they continue to report the information. So, I contacted Sears directly on XXXX/XXXX/15. Customer Service said there were XXXX cards and I was only denied XXXX. They said when they mailed out the card ; it was returned to them undeliverable. So, I asked Sears why are you reporting false information on my report if the credit card was returned to you undeliverable and I do not have a Sears credit card. The representative said they could n't contact me. I explained that if I received the rejection letter in the mail ; then i should have received a credit card that they claimed they sent. I did not move until XX/XX/XXXX and applied for the card on XX/XX/XXXX. Also, no one made an effort to call me. When i received the rejection letter in the mail ; I assumed i was not approved for the card. One rep would not take it off. I talked to another Rep and she said she would update my address, my report and send me the credit card. I have not received anything in the mail from them still and still have not been able to get this corrected on my credit report. SEARS is still reporting I owe {$130.00}, past due balance AND i do not have a credit card from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I called XXXX for Citibank XXXX XXXX to dispute a charge. An internet company continues to charge my card monthly for products I am not receiving nor did I order. I attempted to dispute the charge and change my credit card # so this does not happen. I was asked by customer service rep in the XXXX, where the call routed to, for my credit card #, social security #, address, birthdate, security passcode and then my personal bank and checking account #. I gave all the information requested except for my bank account # and they refused to access my account. I escalated the call to supervisor and attempted 4 times to reach a United States Rep because I will not give my checking account # to any stranger on the phone and that is NOT required to access my account. I think this illegal and should be stopped. Please advise

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 2016-01-29
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
We have an equity line of credit with Citibank that we receive monthly statements. Today we checked our credit and saw that we have a delinquency for an account that we have never used. We called to inquire and they said the term of the account is up ( 15 yrs ) XXXX/XXXX/XXXX and the {$48.00} fee is to pay for the lean release. We have never received any request to pay for the fee or notification that the line of credit is up. On page XXXX of the statement which is on the back of page XXXX and looks boiler plate it was pointed out that it says '' agreement is mature XXXX/XXXX/XXXX '' yet the statement on the front where all the information does not mention anything, nor does it mention that we are past due for the fee, nor does it mention clearly that the account is mature. We have received a statement for every month which means since the " maturity '' we have been mailed a statement from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which does not say anything about the maturity on the front of the paperwork. Nor the request for the {$48.00} fee. If we had not run a credit report we would still not be aware of this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX, 2016 Re : CFPB case # : XXXX Dear XXXX XXXX ; Thank you for your recent correspondence. As you suggested, I have followed up with XXXX XXXX again and they said " they negotiated the check correctly '' Citibank cleared the check. It was the responsibility of Citibank to insure the check had the XXXX required signatures before clearing the check. Therefore, Citibank is responsible to replace the check. Please advise me on when I will receive this check to resolve this issue. 
Sincerely,

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 2016-04-18
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a student loan with Citibank that went into default. The loan was passed to XXXX ( XXXX XXXX XXXX ) to collect the debt. In XXXX 2015, I made contact with XXXX and worked with them to set up a " Settlement '' that would be agreed upon by XXXX, Citibank, and myself including setting up fixed monthly payments for a set period of time. I was then required to provide Routing and Account information for Auto Bill Pay and required to e-sign the settlement agreement. 

Sometime in XX/XX/XXXX or XX/XX/XXXX, Citibank ceased relations with XXXX and XXXX no longer was collecting my debt. I did not receive any notification that this had occurred and when I contacted XXXX they directed me back to Citibank. At the time, Citibank informed me they were collecting the debt in house and I made the fixed payment over the phone and was unable to set up Auto Bill Pay due to a problem with their computer system ( they would be inputting the information at a later date ). 

After Citibank did not continue with the Auto Bill Pay I again contacted them to discuss the issue. They then informed me that they are not honoring my settlement agreement, they have no records from XXXX, and that XXXX XXXX ( Collections ) was now handling my debt and I need to contact them. 

Again, never received any notification. This does not seem fair or legal. I have made a good faith attempt to handle my debt. My debt should be discharged for unfair lending practices.

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 2015-08-24
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was reported with a debt that was opened and originated because someone stole my identity this has already been known by the so called creditors reporting this fraudulentl account the needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CITIBANK, N.A.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.

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 2016-11-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
On XX/XX/2016 I received an email offer from My Best Buy VISA Card that stated " Get a {$5.00} Reward Certificate for Every 5 Swipes when you shop with your My Best By VISA Card outside of Best Buy. Offer expires XX/XX/2016. '' The fine print stated " Receive XXXX bonus points per transaction. Bonus points will post to your loyalty account 3-4 weeks after qualifying purchases have been made. Limit XXXX bonus points per account ... '' Essentially, I was to receive XXXX bonus points per transaction and XXXX points equals {$5.00} in rewards. With a limit of XXXX bonus points, that means that a limit of XXXX transactions would receive XXXX bonus points each. I made XXXX transactions from the period that I received this email offer through XX/XX/2016, so I should have received the maximum XXXX bonus points. I never received any bonus points so I sent a secure message online through the card 's website advising them of the issue on XX/XX/2016. They replied back on XX/XX/2016 that they were " unable to properly respond to my request '' and provided the phone number XXXX. I called the phone number on XX/XX/2016. The person I spoke to said they had no such offer. I stated that I still had the original email and was looking at it as I was speaking to him. After several lengthy holds and being transferred to a " supervisor, '' I was told that they would forward my case for investigation and provided me with case # XXXX. I asked when and how I would hear back and get my bonus points. He stated they would email me within one week. It is now XX/XX/2016 and I still have n't heard anything nor have I received the bonus points. I tried calling the number back to follow up on the status but I was transferred and put on hold for over 20 minutes without anyone who was able to understand what the case number was referring and, eventually, I was transferred to Best Buy customer service ( for the actual store ) which has nothing to do with the credit card offers. At this point I hung up and decided to file this complaint. It 's apparent that they never had any intention of fulfilling this offer and are using exhaustive customer service practices to frustrate me as a customer to give up. I feel as though this is a UDAAP violation in that they are emailing advertisements to encourage customers to use their card while not providing the bonuses promised in the advertisements. If I had spent the money on another card, I would have received 2 % cash back, however, at this time I have received nothing. I am looking for the {$50.00} in rewards that I was promised and some compensation for the hours spent online and on the phone trying to resolve 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 2016-08-09
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to obtain a home equity loan modification from Citibank since XX/XX/XXXX because on XXXX/XXXX/XXXX the 10 year note matures and instead of being interest only it becomes interest and principal. I was assigned an agent within Citibank who sent me forms to fill out which I did to begin process. I filled out forms, uploaded them to secure email host.XXXX. and began the process of obtaining a loan modification. Since XXXX/XXXX/XXXX Citibank has shuffled me to numerous agents assigned to my case. In each instance after fulfilling my obligations to provide financial docs, permissions to obtain tax transcripts for tax filings of mine I have been " shuffled '' agent to agent ( approx. XXXX agents ). The agents have not followed through with communicating with and to me regarding status of my loan modification. I have been provided with new agents to deal with my case and a pattern of delay on Citibank 's part has been established and memorialized in notes I have written for each phone call to Citibank. Telephone numbers have been provided to me by agents ( via emails ) which when called connected me to wrong departments within Citibank, agents assigned to me " were not in the office '', " were not longer within home equity department, or simply did not respond to my communications after 100s of hours spent by me generating financial docs and providing them requested documentation either sent to me to fill out or required I provide them in order to obtain a loan modification in a timely fashion. Now I am about 3 months and 2 weeks from the time in which my loan goes from interest only to interest and principal, which will create a condition in which I will no longer be able to make payments and stay in my home. YESTERDAY I was informed by a supervisor at Citibank that Citibank WILL NOT begin a loan modification with me until I am late ( or/and delinquent ) on my payments on this loan, which as of this day I am still current on. In other words, I have to give up protecting my credit score and sacrifice my credit at XXXX years old in order for Citibank to consider performing a loan modification after consistently paying what I agreed to pay them monthly since 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 non-monetary relief
Consumer complaint received 2015-06-15
Company: Solidus Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call from an anonymous number from a person claiming to be a county process server in an attempt to collect a debt that I do n't think exists. I checked the name he gave against our Texas state roster of court appointed process servers, and did not find it. He also claimed that if I did not respond to the phone number he left, that I would be served at home or work the next day, which did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I completed a debt consolidation loan and had a check sent to Citibank. The funds were credited to the incorrect account. I contacted the company and requested the funds be found and applied to the correct account. Was told that I need to send in the information showing they were cashed. Told them I can email right now. Was told they do n't accept emails. Asked for a supervisor who stated the same thing. I asked how I could get them the information to prove they messed up and was told I needed to fax or mail the information. I said that was unacceptable, and asked where I could file an executive complaint and was told that i would have to mail that as well. Asked if I file a complaint with the CFPB if that would get their attention and the SUPERVISOR stated he did n't know who the CFPB was.

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 2016-01-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
HELLO this company is did a hard click on my credit file without my written consent i never asked them for credit and never authorized any one to ask them on my behalf they are refusing to remove the hard click of my credit file the last XXXX of my ss # XXXX this happened XXXX/XXXX/2015

Company response to consumer: Closed with explanation