BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-24
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed XXXX bankruptcies are listed on my Experian credit report. They XXXX came back verified. I asked Experian to re-investigate these accounts and per section XXXX of the FCRA send me all the information from their investigation such as who they spoke with to verifty this information and on which date. I contacted the bankruptcy court and I have a letter from them stating that NOONE has every contacted them to verify this information so my question to them is how are they able to verify this and have it listed on my report. Another thing is the information that they have on my report in inaccurate and incomplete. I had to search for the correct mailing address because the address they have listed on my report in incorrect. I have a copy of the mail that was sent back to me returned to sender. How is this accurate and verified when the address they have listed is WRONG. Also, the information is incomplete. The claim amount is listed as {$0.00}. The Liability amount is listed as {$0.00}. How is this accurate and if a TRUE investigation was done it would be complete. I would like this incorrect and inaccurate account deleted from my 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 2016-02-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX account with a promotion code XXXX '. The promotion is supposed to give XXXX XXXX XXXX miles If I am a existing XXXX XXXX Credit card holder and opened a new XXXX account. I opened new XXXX with the promotion code and even got confirmation saying that promotion code has been coded on my account. I did n't get the XXXX miles when I complained about the same with customer service they created a case and then later they told that I was once a XXXX customer and not eligible for promotion. I did n't know this information/disclosed to me when I opened the account over online so I requested to credit the miles or give me a waiver/exception and I did n't get any response about the waiver/exception. I am also attaching the requirements of the promotion and it did n't say anything about the previous/existing customer. 

I am not sure about how miscommunication happened and I kindly request you to issue me the promotion benefit. 

Thanks XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A thief stole almost {$10000.00} from our checking account at Citibank by impersonating my wife with a fake ID and cashing XXXX forged checks against our balance at XXXX different branches in late XXXX / early XXXX of this year. Citibank notified us about the fraud, so we went to a local branch where we signed an affidavit stating we were n't involved in this scheme and provided all the information required for Citibank to process this claim. The branch manager, with whom we met for about two hours that day, told us Citibank would credit the stolen funds in a matter of days. It 's now been almost a month since then and Citibank has n't restored the money to our account. Now they 're saying their investigation could take up to 90 days because of the nature of the fraud, with no ETA on when or even if we 're going to get our money back. We think it 's wrong that Citibank is withholding this money, which we need, when the only reason why it 's missing is due to their lax and negligent security safeguards and practices. For example, apparently Citibank made no effort to verify that information on the fake ID used by the thief, such as my wife 's date of birth, was correct. Citibank also instantly cashed the XXXX forged checks which apparently were checks from closed or non-existent businesses whose accounts either never existed or were no longer open. Citibank did n't bother to verify if these checks the thief presented to the tellers were valid and legitimate before handing over almost {$10000.00} in cash from our account to a criminal. In addition, Citibank should have flagged these transactions as suspect the moment the thief tried to pull them off because we 've had this checking account for almost 20 years, and we never conducted such a transaction, namely showing up with XXXX checks issued to us by XXXX third parties, and cashing them right then and there. We want Citibank to acknowledge its failure in protecting our money from this criminal and credit the stolen funds to our account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
Several times over the past year or two, ever since I have had a Citi XXXX credit card, I have been harassed by Citi about a possible 'fraud alert ' due to spending {$1.00} at a XXXX XXXX convenience store for a cup of coffee. Their continued text messages and voice mails - which cost me $ $ $ to receive - are annoying, and having my credit card turned down is embarrassing and completely unnecessary. 

I have asked them several times, through the message center of their web sites and via phone, not to contact me about a {$1.00} charge at XXXX XXXX. A customer service rep with whom I spoke said that she would put a note on my account not to contact me about such charges. Obviously, either she did n't put the note, or nobody bothers to read it. 

I have made numerous purchases of a much larger dollar amount at various stores and online, which they have not flagged as potential fraud. Yet at various XXXX XXXX stores, when I make a puny purchase, they decide it looks suspicious. Do they really think a scammer would steal my credit card just for {$1.00}?

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 2015-05-30
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a fraudulent charge on my account. After declaring it as fraud the card was closed and I was told I would have a new card in 5-7 days. After 10 days I contacted them again and they assured me the card was on the way. After another 8 days I called and they told me the account was closed and no card was issued. The only way to get a new card was to open a new account and go through the process. After agreeing to leave it closed I asked about the fraudulent charge still on the account balance and I had to go through the process again of declaring it fraud as if it had never happened before. Very disappointing after having the card for over 8 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter from Citibank informing me that I could submit a claim to be included in the lawsuit against them regarding their identity theft monitoring product. However, the website address in the letter took me to a page that does not exist. I spent a half hour searching the web and making phone calls trying to find the correct web address. I called Citibank at a number I got from the internet ( there was no phone number in the letter ) at XXXX. The agent there had no idea what I was talking about and gave me the number for the FTC ( XXXX ). They also had no idea what I was talking about, and gave me the number for the Consumer Financial Protection Bureau. I spoke with XXXX, who supplied the correct web address XXXX and I successfully submitted a claim. All of this took 28 minutes. I then spent another 10 minutes filing a complaint with you about the misdirection perpetrated by Citibank in the letter they sent me about filing the claim. All in all, this cost me nearly {$50.00} because my time is worth {$75.00} an hour. 

Sincerely, 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 2016-10-25
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan modification package has been received by lender but sale date has not been postponed

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 2016-10-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.

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 2016-06-30
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer to apply for a Citibank CitiGold Checking Account, with a sign-up bonus offer of XXXX XXXX XXXX miles after completion of the terms ( a direct deposit, 2 monthly bill payments, etc ). I completed the terms of the offer. I sent a message asking to confirm completion of terms and when to expect the miles. I was assured that I completed the offer and I would receive the miles on XXXX/XXXX/06. On XXXX I sent a message to make sure the miles would post as promised, only to receive a reply that I was not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a message from Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
i applied for a loan with one main financial serval times because every time there an issue my score or my income is low and also same thing with my mother also they are the worst company everthey should not be in business.it what this company is pullingalso they act very nasty also

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving letters from a collection company called Fidelity Creditor Service that I is not mine. Their mailing address is : XXXX XXXX XXXX, XXXX, CA XXXX, amount of bill is {$490.00}, account number is XXXX. 

I have asked them to provide an evidence that is bill is mine but the have not done so. I would like to assure this bill which does not belong to me, does not show on my credit report. 

Best regards, XXXX 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 2015-11-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Bankruptcy

Complaint:
This is more of a request than compliant. I would respectfully request that Macy 's lower my interest rate on my account, and my hours have been cut making my budget extremely tight. If they can agree to lowering the interest to 5 % I can more estimate a balance of zero within 8 months. I hope they will give this strong consideration and I have been a loyal customer for a number of years and have not charged anything to the account in the past 6 months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citibank is refusing to refinance an existing loan to lower the interest rate and they refuse to do so unless I open a checking account or savings account with them. I had those types of account that I closed in the past. The supervisor I spoke with told me that I would need to open a checking and/or savings account and financed it before I can make application to refinance the loan

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a civil judgment on my credit report that is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Bay Area Credit Service refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX ) XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I applied online to open a Citibank Account Package checking account. This was done in response to their website promotion ( code CZKD ) which promised a {$400.00} credit ( to be paid within 90 days ) after having maintained a {$15000.00} for 30 consecutive days. A total of 120 days. I fulfilled the 30 day requirement on XX/XX/XXXX. Today, XX/XX/XXXX, I have yet to receive payment or even confirmation that payment will be forthcoming. CitiBank has only told me that they have 'opened an inquiry ' but offers no further information. There are hundreds of similar complaints lodged against Citi in the CFPB database. Their promotions appear to be empty promises.

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 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My credit report is showing that I owe XXXX ( student loans ) the entire balance of my student loan, {$2700.00}. The statement reads that I have not paid a cent of the money back. Payment was late from myself to XXXX, but now has been paid in full. I owe them {$0.00}. Any attempt to work this out with the loan company has not only been unsuccessful, but downright hostile. I made a mistake in being late, but ultimately owned the problem and repaid my debt. I just want my credit report to reflect the fact that I eventually paid them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Century Finance, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Long ago I froze my credit with all XXXX bureaus. Last night I went online and did a temporary thaw at all XXXX bureaus. 12 hours later Transunion shows I have a " lift pending '' and my lender is unable to pull my report. This is unacceptable, my report should be available seconds after I provide my pin and pay for the lift. That is what happened with both XXXX and 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