BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-06
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX issued me a refund for overpayment upon me canceling services on XX/XX/2016. I received a prepaid CitiVisa card on XX/XX/2016, with my refund supposed to be available on that card. After attempting to transfer the balance of {$250.00} from card to my checking, I was given error message. I then called Prepaid Citicard, in doing so, the first person was not able to help. I was transferred to a Supervisor. This lady told me it would be 24 hours and it would be corrected. On XX/XX/2016 I attempted to transfer funds. This time I 'm told there is no money on the card. I call Citi again. The first person today, XX/XX/2016, tells me that the lady I spoke to yesterday requested a check payment. I did not request a check. That person yesterday claimed to be me and requested it. My conversation was recorded, I told her multiple times, I DID NOT WANT a paper check issued. That associate claimed to me and authorized a check to be sent. I did not do that. So now I have no refund, Citi has an employee that impersonates customers. My next complaint will be with the Pa State Police, because she clearly committed fraud. And I am still out my refund from 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 2021-04-25
Company: EQUIFAX, INC.
State: MI
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:
am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated XXXX ( 3 ) accounts inaccurate information please remove XXXX {$1100.00} XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am trying to get the benefit that I deserve for my Citibank checking account. 
I opened the account with a promotion code XXXX to get XXXX Aadvantage miles in XXXX 2015. Since there is no Citibank branch where I live, I opened it online under the guidance of Citibank representatives through both online chatting ( please find attached chat history ) and phone calls. At the time Citibank confirmed the AAdvantage bonus miles will be credited by Citibank to my AAdvantage account within 90 days from the end of the statement period in which I complete all offer requirements. 
After the checking account was opened, I completed all the requirements. 
However, now Citibank claims I was not targeted in this promotion so they refuse to give the XXXX Aadvantage miles. Citibank has investigated twice on this issue, both times I get same answers. ( attached their answer ) When opening the account, as a customer, I had no information of Citibank internal marketing strategy. The only resource Citibank provided were online chat help and customer service on the phone. All Citibank representatives confirmed I will benefit from the promotion. Now Citibank is contradicting itself. 
Please help the justice be done. 
With gratefulness,

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 2021-04-24
Company: DISCOVER BANK
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I called to increase my monthly automatic payment in order to pay less interest and pay off my loans sooner. This went fine for a while, until this month when they bumped my loans back down to the minimum payment, and have scheduled an automatic payment for {$0.00}. I gave no authorization for this, nor did I receive any notification of this. I only checked because it happened to a friend, who posted it to XXXX advising everyone to check. Otherwise I would n't have known until after the fact. This seems like an extremely shady tactic for collecting additional interest and does n't seem to me that it should be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
To LexisNexis XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Georgia XXXX - XXXX Telephone : XXXX Re : Consumer Number XXXX XXXX : Case Number XXXX Please note I have accessed my Lexis Nexis report online. I wish to report a discrepancy for XXXX vehicle claim mentioned on the report. 

Record 8 listed for XXXX XXXX  XXXX with following details : Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX  Claim Type : Collision Claim Number : XXXX Claim Disposition : Closed Claim Amount : XXXX Claim Type : Rental Reimbursement This is not correct information on your records. XXXX XXXX XXXX provided their opinion on this claim which differs mine. The fact was that the vehicle was scratched by another vehicle while it was unattended and stationary in a parking lot. No one was present inside the vehicle at the time of the incident. We requested XXXX insurance to do a reading on our Vehicle computer that they did not do. My XXXX  driver record is clean as this was no fault of mine. XXXX reports are attached. 
Please request proof of my fault for this incident form XXXX before deciding it as my fault. XXXX does not have any such proof as it was a parking lot incident when I was not present inside the vehicle and vehicle was stationary. Therefore my driving record is clean as shown on DMV records. It is merely an opinion by XXXX that they did not take the incident as one claim whereas the truth is that it is one claim. 
Kindly rectify this error on my report and inform XXXX XXXX urgently as this is effecting my life during pandemic that is already been going thorough hardships. 
Thanks XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I signed a contract lowering my XXXX Citibank Mastercard to a lower interest rate. Subsequently, I can not get Citibank to credit my account for a clear fraud issue. They are calling my account a " hardship account '' and will not take information on disputed transactions. Six documented phone calls, some lasting one hour and up to eight transfers, I learned the request must be in writing. Multiple written requests over the past few months have yielded a credit on XXXX fraudulent tranaction of {$59.00}. There are a total of XXXX transactions to same fraudulent vendor that I have asked them to credit. I have provided all details of these transactions. Instead I am getting multiple notices about the XXXX transaction of {$59.00} that was credited. This is not a normal or fair response.

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 2021-04-24
Company: Winklevoss Exchange LLC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I sent a wire transfer on XX/XX/XXXX, which they rejected because my accounts didn't have the exact same name on them. 

They said they initiated the return of the money right away, but it has not arrived. I've tried contacting customer service numerous times, and they haven't responded. To make matters worse, there is no way to talk with someone on the phone. 

I've seen others having troubles with them online, sometimes taking 30 days or more to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I opened a Citibank CitiGold checking account with a bonus offer attached. The bonus offered XXXX XXXX XXXX AAdvantage miles for scheduling two bill payments in consecutive months and spending {$1000.00} with my debit card. 

After I had met the requirements, I confirmed with Citibank via Secure Message and received confirmation on XXXX XXXX, XXXX that I had completed them. 

" After further review of your account, I can confirm you have completed the requirements for the XXXX XXXX miles promotion offer. The promotion states that you will receive the points within 90 days from the end of the statement cycle in which you completed the requirements. You completed the requirements XX/XX/XXXX and the 90 days will begin on XXXX/XXXX/XXXX. You can receive the miles no later than XXXX XXXX. If you do not receive the points, please contact Citibank and we will submit an investigation to the missing miles on your behalf. '' In XX/XX/XXXX, I double checked when I would receive the bonus by, and XXXX replied that I would receive the miles no later than XXXX XXXX, XXXX. 
" Please make a note of your promotion code : XXXX. I confirmed you completed the {$1000.00} Debit Card Spending and bill payment requirements in your XX/XX/XXXX cycle period to earn XXXX XXXX Miles. According to the promotion terms the bonus points will post 90 days from the end of the statement period when the requirements were met. Please allow time for the points to post by XXXX/XXXX/XXXX. '' On XXXX XXXX, XXXX, I did not receive the bonus points as promised. 

I sent further secure messages to inquire about why the points did not post, and Citibank claimed they had to investigate whether or not I was eligible for the account. 

On XXXX XXXX, I received a signed letter from XXXX XXXX from Citibank, stating that I was indeed eligible for the bonus, and that I should receive them within XXXX days. Today is XXXX XXXX, XXXX days past the deadline for receiving my original bonus of XXXX AAdvantage miles, and past the additional XXXX days given from the investigation. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now delaying to honor their end of the agreement.

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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
A collection was added to my account that was settled. I sought legal action against XXXX XXXX and this was previously removed. I would like this to be removed from my report as it is not correct information and it fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: GA
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 purchased a car from a dealership that was a lemon. I returned the car made all the payments and XXXX XXXX still reported my payments late when in fact that is an error. I called them to clear this up and they said in there system this wasn't late. However on my credit it still is showing up that i was late. the Car is paid off and I was never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX is attempting to collect on loans that were previously deleted from my account. I received notification from all XXXX credit bureaus that the XXXX negative items were removed from my credit report and would not be placed on my credit again. They claim that National Collegiate Trust owns this debt but I never signed any paperwork with them and never showed how they own and if they have the rights to collect on this account. I want the XXXX loans to be off my credit report for good. I never signed any agreements with National Collegiate Trust and they have submitted any proof the own the rights to the loans. I asked XXXX for this information twice but they decided to send the XXXX loans to a collection law firm, it is illegal for National Collegiate Trust or XXXX to keep sending these loans to a collection agency after the loans were removed from my credit report 3 weeks ago. They are ruining my credit and I will have to get a FDCPA to put a stop this once and for all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: DISCOVER BANK
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I started the process of filing for a loss Mitigation package with Discover, whom we have a second mortgage with. They have made it increasing difficult to obtain a loss mitigation package, as each time I submit the paperwork they are looking for they tell me I am missing paperwork. By the time I get the paperwork they are looking for they inform me it is too late and must start the process all over again, all with new dates and new paperwork. My husband lost his job XX/XX/XXXX and took a job making half the pay. My primary mortgage holder has not been this difficult to deal with and has worked with me twice since XX/XX/XXXX. Just recently I sent all the paperwork Discover said that I was missing and now they claim I am missing one week 's paystub for myself, two months of statements for an inactive account ( not closed ), and an explanation for deposits over {$500.00}. I clearly wrote on the inactive statement that the Bank does not provide monthly statements for inactive accounts, and the statement clearly shows the date of the last statement sent out. The account which has {$500.00} clearly shows the funds were transfers not cash deposits and was noted on the statements. As for my paystubs, it clearly shows that I get paid bi-weekly not weekly. I do not feel as if an explanation is in order for this. Their excuse now is they need this explanation in writing. Please note, we only owe {$67000.00} to them on a house that is worth {$800000.00}. I have attempted to give them all the information they need at least on XXXX different filings of a loss mitigation package with them. All While receiving at least 2 phone calls a day regarding our late payments. I am beginning to feel as if they would rather foreclose on our home than come to an agreement with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Brightfunders, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We did a refinance earlier this year ( 2021 ). Our original loan was with Homeside Financial and we were refinancing with Homeside Financial. So, it should have been as simple as any transaction could have been. After four scheduled closings and a series of corrected CDs we did sign closing papers with numbers that did match what we were told and expected. What we didnt expect is that Homeside decided to keep a large portion of our escrow balance. I was told prior to closing that the numbers were based on us getting our whole escrow balance refunded. Then after the closing I have spent hours and hours trying to get an explanation. The closest thing to an explanation that I have gotten is that Homeside was off by {$790.00} on the closing papers and they decided to make up the difference by keeping our escrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Northern Alliance Management, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited two payroll checks to my checking account through the ATM on XX/XX/XXXX. The funds were available online on XX/XX/2021. Two hours later the funds were removed from my checking account. They informed me that they believed that the checks would not be paid. When I questioned them about why they believe the payroll checks would not be paid ; they were unable to give me a logical explanation. Keeping in mind that a payroll check from the same company, with the same account, and from the same bank ; was paid XXXX weeks prior. I believe that there some type of malicious behavior on the part of one of Navy Federals employee XXXX XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Klima, Peters & Daly, P.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed a police report, Fraud FTC affidavit and provided a written Fraud statement to XXXX XXXX and the CRAs. Subsequently the CRAs validated my ID Theft and removed my tradelines. XXXX XXXX just attempted to collect on this balance via a notice in the mail which is a violation of FDCPA and FCRA. I do not owe them. This was ID Theft. I plan on taking any necessary action to resolve this as I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Receivables Performance Management, LLC
State: MA
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:
Back in 2013, we were billed by XXXX for usage that we were n't responsible for. Due to us switching carriers, there were some discrepancies with billing where there was an overlap of carrier usage, thus causing XXXX to perceive that we still owed them usage charges. After receiving numerous billing statements from XXXX ( even after trying to resolve this issue over the phone, another company ( hired by XXXX ) contacted us for payment. A letter was sent to clarify the situation and further communication resumed between us and XXXX, and the charges were adjusted and the balance paid. We are now getting phone calls ( multiple daily phone calls ) from a supposed debt collection agency to pay money owed to XXXX. After telling us the amount owed, they ask for information needed to pay this debt. I did not provide that information and told them I would contact them as soon as had information confirming that I no longer owed anything to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was approved for a loan to buy a home, by RP Funding Inc.. I paid for an appraisal to be done on the property. I was subsequently denied the mortgage. I obtained new financing on the same property, Through XXXX XXXX XXXX and they have agreed to use the original appraisal I paid for. The Appraise, XXXX XXXX Services agreed to reassign the appraisal to the XXXX, if RP Funding Inc. will release the appraisal. The original finance company is refusing to release the Appraisal to be able to reassign the appraisal to the new finance company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief