BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-09
Company: The CMI Group, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX we switched wireless providers. For several years we had used XXXX XXXX but had become unhappy with their service. We switched our account to XXXX XXXX XXXX XXXX. The new provider came to our house and switched our service. I attempted to notify XXXX XXXX of the change but was unsuccessful. During that period of time we were at the height of the COVID crisis. XXXX XXXX XXXX had shut down their local office which handled wireless service. It was impossible to talk to the local agent. Attempts to call the company were unsuccessful because of COVID crisis. Perpetual telephone holds were standard procedure. I took the XXXX router to the local XXXX office and they returned it to the company. My last payment to XXXX was on XX/XX/20 for {$60.00}. My first payment to XXXX XXXX XXXX for wireless service was on XX/XX/20. XXXX has continued to perpetuate the fraud that they are providing service to my home and are due payment. After a period of time they sent their fraudulent claim to a collection service which has put a notification on my credit reports. They even sent a collection agent to my house. I want this nonsense to stop. This is nothing but a scam.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Citi Bank, Card Member Services, XXXX, XXXX XXXX, SD XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Citi Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX 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 2016-03-24
Company: CITIBANK, N.A.
State: GU
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX my daughter got married and she contracted with a XXXX company to transport the wedding party to the church and back besides a party bus to transport the guest. The day of the wedding I took upon myself to hand a credit card to the XXXX driver which also demanded that I sign a contract without reading it. I refused but did unfortunately I did sign a blank credit card slip. Not only did the XXXX company get us into an automobile accident on the way to the church but they only provide partial services as to what they were suppose to do. I notified Citi Card the same day and again on XXXX XXXX. I submitted a detail information as to what happened and they did nothing to protect me being an excellent client since XXXX. The XXXX company also forged my signature on the contracts that I refused to sign. I am paying the amount in the dispute to protect my credit but will pursue this matter to every extent of the law. Your investigation into this matter would be greatly appreciated.

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 2017-02-23
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been banking with Citibank for 4 years, 2 weeks ago I opened a savings account, funded it with {$3000.00} only to be told a week later that they were closing it due to XXXX. No one will give me any information, I have never banked with another company. They is on the verge of destroying my credit. My rent, car note, car insurance, loans and credit card payments all come out of that account. No one will give me a bank account. And I have done nothing wrong.

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 2017-02-19
Company: Lending Club Corp
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-06
Company: CITIBANK, N.A.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was searching for a loan online and received an email from a XXXX XXXX XXXX claiming to be a Citi Bank Financial represenative. He said my loan was approved but because my credit score was low I had to pay the first installment so I purchased a green dot prepaid card and paid the fee soon after that I did not receive the loan. He then said the FDC was holding it because I owe taxes and that was what the loan was originally for. I then contacted the fdic and fdc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are several errors/inconstancies in the way WFHM handled my mortgage payoff, which I have brought to their attention, and which they have not provided sufficient explanation or documentation to support their accounting of my mortgage payoff. 

Instead in a response to CFPB complaint XXXX they opted to outright lie. The XXXX rep assigned to the prior case never returned a phone call and I do not consider this matter closed.

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 2021-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
EQUIFAX credit bureau has destroyed my credit with their incompetency..first data breach led to crooks getting my email password, running up credit cards and seeing all personal info and attempting to get money from bank account at XXXX. 
IN addition their website Dispute system has been broken for months and after hours of verifications on the phone they have refused to handle disputes which is highly illegal. 
I have attached an FTC REPORT AND A XX/XX/2020 EQUIFAX REPORT THEY SENT ME IN THE MAIL. 

I have circled on their report all of the accounts I want disputed and removed per the FTC report and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Other

Complaint:
My Payment was posted by Macy 's 34 days after the due date. That was my fault as an oversight on my part because we were on vacation. They subsequently reported a thirty day late to the credit bureaus. However, when I phoned in the representative I spoke with on the phone said the company 's policy is to only report accounts as late when they reach 60 days and not 30 days. Please obtain a copy of the recording and see for yourself.

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 2016-09-12
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2016 I cancelled my Hazard Insurance with XXXX XXXX and placed it with XXXX XXXX. I received a refund check from XXXX of {$1300.00}, I wrote a check to Ditech on XXXX16 and it cleared my bank. On XXXX16 I received an Escrow Statement stating that my amount was going to inc- rease from {$190.00} to {$380.00} ( wow! ) I called XXXX on XXXX and again on XXXX and again on XXXX/XXXX/16 to tell them that I has canceled the old insurance and ( which they paid ) and had replaced it with new insurance ( Which they paid as well ) and that I had sent them a refund check which was not reflected on my Escrow Statement to this date the {$1300.00} is not reflected on my Escrow Statement. Ia have talked with the Insurance Dept, an the Escrow Department and ca n't seem to get this cleared up. In the mean time my payment has gone from {$440.00} a month to {$630.00} a month. I have a XXXX mortg. 
I live on Social Security and this seem a little much.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These accounts are not mine. I am not a credit repair company nor am I a mortgage company in efforts to fix my credit. I have provided my personal information of who I am. Please remove the following information from my credit report immediately. Thank you.

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 2015-09-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX XXXX from XXXX XXXX XXXX called my job and work issued phone. I told her not to call either phone. She threatened to call my HR department. I told her that she is not to call my place of employment and my work issued phone. She told me that she can call if she wants. Then she continued to call, spoke to my coworker then she called my work issue phone from an unknown number. It got to the point where she was hanging up. I called the number back that showed up on my personal and work issued phone, she refused to talk to me and had her supervisor speak to me. He tried to verify my information on me which I refused to agree to. He never told me what the call was for. I told him that they are harassing me at this point and need to stop calling. I blocked the number from both of my phones. They attempted to call from an XXXX number and I blocked that as well. The supervisor told me that they can legally call my job and work issued phone. I got extremely angry and pretty much let him know that I will file a complaint against this company along with him and XXXX XXXX. I believe the supervisor 's name is XXXX. When they called my personal phone, they did not leave a message. They just kept calling all XXXX numbers. They are extremely harassing. If I had not blocked them from calling. I am sure they will continue to call me. The phone number to this company is XXXX XXXX XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have XXXX credit cards with Citi Bank ( XXXX I use a lot, the other not so much - them being identical products ). I have been asking Citi to consolidate the XXXX cards for YEARS, they never did. Now, I called 3 days ago to see if the less used card can be converted to a Costco credit card and I was informed that it can be on the XXXX of XXXX 2016. I was going to call Citi for that today, when I noticed an email this evening that my card ending in XXXX had been closed ( credit line of $ XXXX ) for no reason. 
I called Citi and they told me they closed it for non-use. I was NOT disclosed any such terms when my Double Cash cards with new Terms and Rewards were issued to me last year. I was then told, oh maybe not when you got a new product, but they were disclosed to you maybe 5 years ago and of course they can not evidence that. I thought all products had their specific XXXX & XXXX and had to be disclosed ...?? 
Anyway, my card which was open as of this morning has been closed and with me calling within 12 hours of such closure, they want to pull my credit bureau report as if I was applying for a new account! And Citi does n't understand what reducing someone 's bureau by {$20000.00} does to their credit score?? 
Why would I want my bureau to be hit? I have another account - XXXX with Citi with a XXXX line, on which I spend a decent amount annually so it is not as if Citi does not know me or has a bureau report on me already!! They are holding a customer hostage telling me that my {$20.00}, XXXX credit line will vaporize from the bureaus tonight if I do not follow their way. My intent was clear wherein I called 3 days ago asking for a different product which I could use in lieu of this account, I could have also been informed and I could have taken remedial action in time. 
I would love to sue Citi on various points of contention above but mandatory arbitration saves them. I 'd rather have CFPB read this and figure this out for Citi 's 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 2016-06-19
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Sir/Madam, I am sending this complaint since Citibank does n't honor the promotion offer on which Citibank would post XXXX XXXX miles to my XXXX account after I opened a Citigold account and finished some related requirements. 
I opened the Citigold checking on XXXX XXXX and fulfilled all the requirements on XXXX XXXX. Both the call center and online chat confirmed I had fulfilled all the requirements on XXXX XXXX. 
On XX/XX/XXXX, the online chat customer service stated that they need additional 30 days to post the miles to my account. 
I waited until XXXX XXXX and the security message customer service suddenly told me I was not targeted for the promotion after I had been waiting for much more than 90 days when it was the time Citibank need to honor the offer by their T & C. 
I sent a new online chat on XXXX/XXXX/XXXX and the customer service stated that they would file an investigation and I would receive the result after 2 business days. However, there is no response at all until now.

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 2015-03-25
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
THERE WAS NOT AN OPTION THAT BEST DESCRIBED MY ISSUE ABOVE. SEE BELOW FOR COMPLETE UNDERSTANDING. 

I AM FILING A COMPLAINT AGAINST THE COMPANY MACY 'S DUE TO UNFAIR REPORTING TO THE CREDIT BUREAUS. I ACKNOWLEDGE THAT I OPENED AN ACCOUNT WITH THIS COMPANY AND FAILED TO MAKE PAYMENTS. THE LAST ACTIVITY REPORTED WAS IN XX/XX/XXXX. THE ACCOUNT WAS CHARGED OFF AT THIS TIME. ACCOUNT WAS OPENED IN XX/XX/XXXX. I RECENTLY REACHED OUT TO THE COMPANY TO OFFER A SETTLEMENT/PAYMENT AND I WAS TOLD THE ACCOUNT WAS TOO OLD TO ACCEPT ANY PAYMENTS ON IT. THE COMPANY HAS NOW STARTED TO REPORT TO XXXX LATE PAYMENTS MONTHLY AFTER THE LAST REPORTED LATE PAYMENT WAS IN XX/XX/XXXX. I DO NOT UNDERSTAND WHY THIS COMPANY IS ABLE TO REPORT LATE PAYMENTS AND I CAN NOT RESOLVE THE ACCOUNT. THIS IS GREATLY AFFECTING MY CREDIT SCORE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Privacy

Complaint:
My credit card company ( Citi ) contacted a person never added to or authorized on the account by phone. I did not authorize the person, or provide their phone number, to the company. They told me they accessed a 'government database ' to obtain this persons phone number. None of this was authorized by me at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have attempted to dispute inaccurate information on my Experian credit report. Experian refuses to investigate as per my right under the FCRA. The accounts I am requesting investigation on are no longer valid or have not been updated for over two years. Additionally, XXXX of the accounts I attempted to have investigated does not belong to me and belongs to a person I was married to. That account has also been litigated and the person I was married to has a judgment placed against them for that account. Experian states that they are not responsible to investigate these accounts because they were investigated in the past. These same accounts were investigated by XXXX XXXX and Equifax and were all removed from my credit file. Experian is refusing to do its job and that is a violation of the FCRA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for Citigold XXXX bonus back last year. The fine print of the promotion stated that XXXX points would be credited to my account if I met the qualifications. I opened the account, completed the requirements ( {$1000.00} debit spend, XXXX bill pays, etc. ) and confirmed on the phone with an agent that my account would soon be credited. 

Several months later I still had not received anything from Citi, despite having completed the promotional requirements and confirming over the phone with the agent that I had done so. Another phone call to Citi resulted in an agent once again telling me that I had completed the requirements and the points should post. 

After another month of no points, I was getting very frustrated. The bank account was $ XXXX/month, more than I would normally spend on a bank account, but the promotion and the benefits made it worth it. After calling in for a 3rd time to confirm, I was told that there were no past communications or points that were coming my way. Extremely frustrating since representatives from the same number told me otherwise. 

I recently closed the account, which actually resulted in the institution downgrading me to the basic account, and charging me $ XXXX/mo + {$34.00} overdraft fee since I emptied the account when calling in to initially close it. I am incredibly frustrated and have spent so much time and effort speaking with representatives and moving money around.

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 2015-08-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there are several accounts that I have advised that are not mine these were opened from identity theft and have not been removed I have gotten a police report recently that lists all of the accounts that are fraudulent and a notarized id theft affidavit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
Hello. Ihave had a Macys card for decades. Almost always I pay the card in full every bill. For the last year or so ... I receive the bill online. I log on IMMEDIATELY and pay in full. However, the nenxt month, without fail, I am billed anywhere from {$1.00} to {$5.00}. I then have to call and ask what this is ... as I have paid the bill in full the same day it was received. I am told it is interest. I tell them I have paid the bill in full as per the EXACT amount they billed. The rep has waived the interest lately but today I have another bill for {$300.00}, and it is the same thing. It is a holiday and I do n't want to have to deal with this again. This seems illegal and certainly unethical. I have every email and bill and payment saved for verification of the payments made. Can something be done about this? Why show an amount due on a bill ... it is paid well before it is even due and then there is some arbitrary balance? The Macys card seems to be through Citi. 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 monetary relief
Consumer complaint received 2021-01-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My XXXX XXXX Home Equity Line of Credit says it was late XX/XX/2019 both on XXXX and XXXX  and XX/XX/2019 in Equifax. 

It was already confirmed by XXXX XXXX that it was a mobile app error. The app was stating there was no payment due, when in fact there was. 

XXXX XXXX has already acknowledged this error, but the late payment is still showing up on my credit report.

Company response to consumer: Closed with explanation