BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citibank continues its deceptive marketing practices despite the Consumer Financial Protection Bureau 's ( CFPB ) order last year in which Citibank and its subsidiaries were required to pay {$700.00} XXXX in consumer relief for illegal practices related to credit card add-on products and services. Citibank has repeatedly sent deceptive marketing mail to BOTH my personal physical and email addresses with explicitly stated offers of my eligibility for bonuses of XXXX XXXX miles with its AAdvantage credit card. I accepted Citibank 's offer and signed up for the AAdvantage credit card, but then Citibank refused to provide the airline miles that it explicitly told me ( in email and in physical mail ) that I was eligible for. Citibank 's failure to uphold its end of the contract has caused me great harm in that Citibank looked into my credit history under false pretenses and negatively affected my credit report in doing so. I never would have allowed Citibank to look into my credit history, and I never would have given Citibank my personal information, if I had known that the company would refuse to provide me with the airline miles it explicitly told me that I was eligible for. Citibank completely failed to uphold its end of the bargain/contract based on the offer it emailed and mailed to me and my acceptance of that offer. Citibank continues to regularly engage in deceptive marketing practices that harms millions of consumers. SEPARATELY AND ADDITIONALLY, Citibank has sent me notices about the benefits of enrolling in its fraud-alert services. The CFPB found that Citibank falsely claims the fraud-alert services would notify customers of fraudulent purchases. Instead, the monitoring only provided alerts to changes in customer credit files maintained by major credit-reporting firms. Despite the CFPB 's findings, Citibank keeps emailing me and mailing me, to my personal address, vague and leading offers of credit card add-on services which state they have a " free 30-day trial '' but in fact charge customers immediately upon enrollment. Citibank CONTINUES its deceptive marketing practices that affect millions of consumers. The CFPB and the Federal Trade Commission should investigate Citibank 's ongoing and continuous pattern of deceptive marketing that is harming millions of consumers and take swift action against the company to prevent future harm to consumers.

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 2015-10-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My issue is with the Macy 's American Express Card, which I believe is now managed by Citibank. I have a problem with the account but can not reach anyone in their customer service via their published contact information. There is no choice to reach a CSR and all the options just go to another menu then another and another and you never reach a person. I even selected Report Card Lost or Stolen and it went to another menu with no live person. The problem with my account is they are reporting incorrect balance information so I am worried of fraudulent charges or some other issue as my balance is less than credit line but they report XXXX credit available. I have sent via their email contact XXXX messages on XXXX and not XXXX response from their customer service. Sent another message on XXXX and again no response. I am real close to taking legal action as my next step but thought this avenue needed to be done to address their lack of contact option and no response to my issues with my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This Debt was Charged of in XX/XX/XXXX with Citi. In XX/XX/XXXX it went to XXXX XXXX XXXX. They were sued by the FTC.One of the nation 's largest consumer debt buyers has agreed to pay a XXXX civil penalty to settle Federal Trade Commission charges that it made a range of misrepresentations when trying to collect old debts. In addition, the company, XXXX XXXX XXXX XXXX, has agreed to tell consumers whose debt may be too old to be legally enforceable that it will not sue to collect on that debt They still have on my credit report and increased the balance from the XXXX Charge off to XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: CAINE & WEINER COMPANY, INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX I filed complaint against Caine & Weiner collection agency of XXXX XXXX XXXX XXXX. The Caine & Weiner company response that they couldn't locate an account noted in my complaint.

See enclosed negative data my XXXX report posted by Caine & Weiner collection agency. 

XXXX XXXX XXXX failed to cancel my auto insurance within a timely request called in on early XXXX. The policy was set up to renew in XX/XX/2021. I request XXXX XXXX  to cancel the policy ahead of time. Did I have to speak to more than one person, a supervisor, some other associate? I don't understand. The agent I spoke to in XXXX impressed me that she understood that I was no longer interested being insured by XXXX XXXX for unsatisfactory reason ( s ), clearly stating I want the insurance policy canceled immediately. I manage to get a much better insurance policy at lower premium and extended coverage. I dropped XXXX XXXX  policy/coverage weeks before the renewal date. There should be a XXXX  balance. 

One would think that such a Huge company like XXXX XXXX XXXX whose worth millions of dollars would sabotage the financial status of the small guy who simply trying to stretch his dollars and save a little.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
I have 2 unknown chargeoffs being reported negatively to my credit report. I dont know this lender account. They continue to report and damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
With XXXX Exxon Mobil / CITI card. I have never paid this account late. It has always been on auto pay. XX/XX/XXXX something happened in their system and it made a auto payment from a closed account. If you look at the statement for XX/XX/XXXX it has the date of the payment as XX/XX/XXXX. From the file named " exxon payment '' you can clearly see the date of the payment and also it was from a different checking account than any other recent payment. They even credited back all charges and fees. I tried several attempts to get this corrected and they say they will but never follow thru.

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 2017-01-19
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX/XXXX/XXXX, I have open a new checking account and deposit {$15000.00} with city bank. I can get {$400.00} Cash bonus if I keep the minimum balance of {$15000.00} for the next 30 days that city bank said. But after 30 days they have't gave me the bonus. I went to city bank 3 times to ask my bonus back but they said that I have to wait the city bank main office send the bonus to my account. Today is XXXX/XXXX/XXXX, I am still waiting ...

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 2017-02-05
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In XX/XX/XXXX I bough a condo and had a 1st and 2nd mortgage on it since I put down about 12 % on the house. The mortgage was acquired by Citibank from XXXX and I have always paid my mortgage on time. I later refinanced my 1st mortgage through XXXX and my 1st mortgage from Citibank was fully paid off on XX/XX/XXXX. I refinanced my mortgages again in XX/XX/XXXX and I was informed that for the 1st mortgage that was fully paid off years ago the report from XXXX showed that the current status was " PAYING UNDER PARTIAL AGREEMEN XXXX '' with a XXXX balance. I am not sure why that is since the mortgage was paid off years ago. In addition we are selling our house and looking for a new one and something like this on my XXXX credit report increases the likelihood of me getting a unfavorable mortgage rate. I kindly request some help so me and my family are not penalized for an error in the credit report.

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 2016-04-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
HOME DEPOT SALESMAN DOUBLE TALKED ME AND I REPLACED MY XXXX CAR GARAGE ROOF ... ..NEVER PASSED INSPECTION POOR WORKMAN SHIP ... GAVE ME WRONG HOME DEPOT CREDIT CARD WITH CITI BANK ... I SIGNED CONTRACT FOR NO INTEREST FOR 24 MONTHS NO INTEREST RATE ON CONTRACT I SIGNED ... 
I THOUGHT I HAD ABOUT 90 MONTHS TO PAY OFF ... MIS LEAD ME. I JUST FOUND OUT XX/XX/2016 THEY GAVE ME WRONG TYPE OF CREDIT CARD FROM HOME DEPOT ... .I THOUGHT I WAS GETTING A " PROJECT LOAN CITIBANK CARD '' BUT I DIDNT RELIZE THE DIFFERENCE UNTIL XX/XX/2016. NOW THEY ADDED OVER {$5000.00} INTEREST AND I AMOST HAD A XXXX.. I WAS PAYING THEY MONTHLY ABOUT $ XXXX-XXXX ... ... .THEY STILL DID NOT FIX MY ACCOUNT BACK THE PROPER WAY. THEY BEEN CALLING AND ASKING FOR MONEY THAT I DO NOT OWE AT THIS TIME ... ..I SENT PAPER WORK TO THE OFFICE THEY REQUESTED LAST MONTH BY CERTIFIED MAIL AND IT WAS RETURNED TO ME ... TODAY SAT XX/XX/XXXX. I ASKED AGAIN ABOUT MY ACCOUNT AND WAS DIRECTED TO SEND PAPER WORK TO ANOTHER OFFICE IN XXXX. I WISH SOMEONE WOULD HELP ... XXXX SO MUCH FOR THE HELP IF POSSIBLE MY HOME DEPOT ACCOUNT NUMBER IS XXXX XXXX XXXX XXXX NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Tel XXXX XXXX XXXX BOTTOM LINE I WOULD LIKE THEM TO GIVE ME A " PROJECT LOAN '' CREDIT CARD AND TO FIX THE ROOF PROPER OR TO REMOVE IT COMPLETELY SO I CAN HAVE ANOTHER COMPANY INSTALL THE ROOF ... PLEASE LET ME KNOW IF YOU CAN HELP. 
BALANCE DUE ORIGINAL CONTRACT XXXX. As of TODAY BALANCE {$9700.00}. 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 2016-02-09
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a home equity line of credit with Citibank that has principal and interest in the monthly payment. This account is current. Last month, there was a system error showing an overstated principal amount. I contacted Citibank on XXXX XXXX, XXXX regarding this matter and spoke with a supervisor, XXXX, who agreed there was an error and told me it would be resolved the next day. 
I called two days later and the error was corrected but upon checking one week later, the error was back in the system. I then spoke to a manager, XXXX, ID XXXX, on XXXX XXXX, XXXX, who said they were still working on the issue. I was told the issue would self correct in the following month. 
This is not an acceptable business practice. The error was then corrected in the system when I checked on XXXX XXXX. 
On XXXX XXXX, XXXX, I checked the system and the principal balance amount is again incorrect. Also, same day, XXXX XXXX, XXXX, I received a notice from Citibank dated XXXX XXXX, XXXX that my account is in default and that there will be a property inspection scheduled that I will be billed for as a delinquency expense. 
My account is current and paid. I am appealing to the CFPB to contact Citibank and have this matter rectified.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
A {$500.00} purchase had been disputed with Bloomingdales because of non-receipt. A claim had even been submitted with XXXX, and it had been determined that the product had been lost and the {$500.00} was removed from balance. After over a year- Bloomingdales put it back onto my account, and even after monthly calls of being told that it was NOT my responsibility, and to ignore my statements, they began charging interest and reported negatively to all my credit bureaus. I have communicated with collections, citicard, bloomingdales customer services, supervisors, and they had ALL said to ignore the statements, AND told me they were removing charges and it would NOT affect my credit.

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 2022-11-10
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Dear Investigating Officer, On XX/XX/2022, I initiated a balance transfer using my Citi Double cash card in the amount of {$9000.00} plus {$270.00} balance transfer fee to pay off a part of my personal loan with XXXX XXXX XXXX. 

However, I was surprised to see that the charge got posted as balance transfer made to XXXX XXXX XXXX XXXX. I never mentioned to Citi or filled up their online balance transfer form mentioning XXXX XXXX as my creditor. For the records, I NEITHER have any outstanding balance with XXXX XXXX NOR have any personal loan with them ( I can provide documentation for the same ). I even called XXXX XXXX customer fraud protection department to verify if they received any check against the account number with my name that I initially provided to Citi when I submitted a request. They denied receiving any such check from Citi in the amount of {$9000.00} on XX/XX/2022. Therefore, I recognize the {$9000.00} balance transfer charge ( Merchant : XXXX  XXXX XXXX XXXX ) posted on my account as fraudulent and request that it is immediately credited back to my account. 

Its just frustrating that Citis online balance transfer application is so broken and incompetent that it couldnt match the account number with the bank name that I provided in the first place. Whats even more frustrating is that it was sent to XXXX XXXX which is not even in the picture whatsoever. 

Now when I tried to contact Citis customer service, they abruptly ended the chat without providing a proper explanation/resolution as soon as they realized they messed up. When I contacted them over phone, they merely mentioned they needed to first verify where the check ended as it is reflecting on my credit card statement as processed/posted. More than offering me help and resolving my issue by issuing me a refund immediately, they seemed more concerned with the error they made on their end and made it seem as if I was the one at fault. 

Personally, I feel CITI should cease their Credit Card product offering if they are not able to protect customers assets and their credit history/file which they worked so hard on for years. 

Thank you for your help and assistance in this matter. I hope for a speedy resolution and request {$9000.00} fraudulent charges and {$270.00} balance transfer fees refunded back to my Citi Double Cash account.

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 2021-06-18
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX  continue to violate my rights under 15 USC 1681 & 15 USC 1692. I AM a Federally Protected Consumer and I AM asserting my rights via 15 USC 1601, is 15 USC 1681, 15 USC 1692. I have never contracted with XXXX ( XXXX  XXXX XXXX ) as well as I do not consent to them furnishing ANY accounts under my name. I tried to reconcile this matter peacefully several times in the past to no avail. NOW I demand that they comply with the law that they took an oath to and provide me my remedy that I have requested. The proof that I will be submitting today has also been sent to XXXX via Certified Mail! Those documents include : A Notary Presentment, An Affidavit of Truth, An Invoice, and Exhibits highlighting each violation.

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 2022-11-10
Company: Experian Information Solutions Inc.
State: MS
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:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.- -Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2016-03-17
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several letters asking them about this debt and they refuse to send me anything. I continue call XXXX and inform them that I do not owe them any debt to them inwhich they showed that I do not own any debt. This company IC Systems continue to report this collection on my Credit Reports.

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 2022-11-10
Company: JPMORGAN CHASE & CO.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear XXXX XXXX XXXX, Good day! 

I want to know if I have unclaimed funds there in XXXX  XXXX XXXX, Chase Bank and XXXX XXXX XXXX XXXX  since I am the beneficiary of the trust funds of my fiancee XXXX XXXX XXXX aka. XXXX XXXX and to all his properties there in California USA. And I want also to know if which on those banks have my trust documents. I want this to be investigated since the bank don't even contact me that I have trust documents there. No one told me for 8 years. Because before he went to prison he sent me a bank key of a safety deposit box. Now only I claim it because now only I knew. And someone stole the sd card that have his videos there. I put it on my phone and there's someone stole my phone that time. And the trustee don't even contact me. But aside from the trustee I knew that there's have a copy of the trust documents there in the bank and in Insurance company. I want to know if which banks he put the trust documents. Please investigate this matter since I am not there in USA. I am here in XXXX and when I tried to go there in USA before back XXXX XXXX the XXXX XXXX  in XXXX denied me. If there's have unathourised transactions under my name its not me. It's the scammer, because even XXXX cent of it I don't receive anything since XXXX. And I want justice. I already contacted the Chase Bank before and reported the issue, and they told me that I will send all the evidence pointing me as the beneficiary. And after I sent them the evidence, they dont even contacted me. I just received encrypted email from them. But when I tried to call them they will just declined my call. Chase bank using my information without my permission. They are using it because they knew that I have big money there in Chase Bank, XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX  If there's someone will withdraw looks like him that's an impostor don't allow that person to withdraw from it. And if there's someone that will used my information to withdraw my money? Thats not me that's the scammer. I want to withdraw my money but should have authorization letter to proof that it's my first withdrawal. Since I never withdraw anything before. I'm from XXXX by the way. Was hoping to hear back from you soon. XXXX 

Sincerely yours, XXXX XXXX XXXX XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.

Company response to consumer: Closed with explanation