BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to the citibank branch at XXXX XXXX in, nyc to open a secured credit card.The manager processed the paper work and in informed me it takes three weeks to go through.I was told after that I would receive the card in the mail. 
Three weeks later i did not receive the card, I called the bank and was told my application was lost, Now this is showing up on my credit report as a hard inquiry .I declined doing any further business with them after they lost my application.I want this removed from my credit report. 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 2016-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new checking account in the Bank of America in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. Thanks, 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 monetary relief
Consumer complaint received 2017-02-25
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Co-signed for someone on a vehicle that was repossessed without my knowledge. I was unaware the car was behind on payments prior to the repossession or I would have taken over the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a promotional mailer in XXXX or XXXX of XXXX to open a CitiGold Checking account & receive XXXX XXXX XXXX miles. I opened this account & confirmed on XXXX XXXX, XXXX that I had completed the steps necessary to receive the bonus XXXX miles. I was told on XXXX XXXX, XXXX & XXXX XXXX, XXXX that I would receive the bonus miles no later than XXXX XXXX, XXXX by a customer service representative. On XXXX XXXX, XXXX -- upon inquiry as to why the bonus miles had not posted to my account -- a customer service representative told me that I was not eligible for the promotion as I was not " targeted '' for the promotion. I completely disagree as I received a mailer for this promotion. Sadly, I discarded the mailer sometime during the spring, but I think it 's egregious that Citi would require me to hold on to a promotional mailer XXXX months after its initial receipt. Additionally, Citi has charged me $ XXXX/month for an account service fee without notification regarding the failure to post my account opening bonus.

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 2017-03-14
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car repo and take i feel that just take my money i put XXXX dowm payment when we sstar the procces i say that i only have XXXX for down payment but they releaseme a car but later they cant aprove because i will need more ddaw payment i say i have XXXX but later they say not enouhg that i will need a least XXXX that i say ok i was driven thr car already they put in 3 payment XXXX +XXXX+XXXX when the XXXX payment i dont make i recieve a call that i have to pay or they will come for the car and then a month pass and i recieve a call from finance loan that i dont was aprrove i call dealer and they say is ok i olso buy a GAP insurance i dont know why if i have XXXX deductible but the problem is that i buy the car and was no condicion i have to expend XXXX on alternador amd battery new but the worsh is they use something that when the day after i dont make a payment they kill the car i can drive how they want me to pay if i dont move arround to work because they dont let me drive and by the end no was two months amd finaly they come for the car a police plate in the neck nock my door and say that he will take the car amd if i dont move the my other car he will use the force i was checking the XXXX and i get other vin check and no mach wath they give me i endent paying about XXXX and i still dont know where to claim can i do something about?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I took out a home equity line 3 years ago but rarely used it. I was accessed a {$50.00} annual fee each year. Upon calling on last XXXX occasions the fee was refunded. The bank branch manager had assured me that even if I do n't use the XXXX line, my fee will be refunded. Upon calling this year, my fee was not refunded and the customer service agent recommended that I close the Home Equity line to avoid the fee in the future. I agreed provided that my annual fee was refunded. The agent was quite rude and refused to refund the fee. I told her to close the account. 
I complained to the bank 's online customer service agent and was given a brush off in the form of a standard e-mail response. I request that the fee be refunded to me now that the account has been closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 Fair Credit Reporting Act XXXX XXXX XXXX  account reference number XXXX has violated my rights. 
15 U.S.C 1681section 602. A. states I have the right to privacy.

15 U.S.C 1681 section 604. A. It also states consumer Reporting Agency can not furnish a account without my written instructions.

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 2016-01-09
Company: HOVG, LLC
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I signed up for Citibank 's " {$400.00} Checking Bonus with {$15000.00} Initial Deposit '' promotion via their promotional " Apply Now '' link on Citibank 's landing page and opened the " Citibank Account Package '' on XX/XX/XXXX. 
The XXXX deposit minimum was met on XX/XX/XXXX. 
The 30 consecutive days requirement was met on XX/XX/XXXX. 
The {$400.00} bonus should have posted 90 days after that, which is XX/XX/XXXX. 
It 's currently XX/XX/XXXX and no bonus has been posted to my 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 2016-12-26
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I HAVE XXXXCHASE CREDIT CARD AND ON XXXX/XXXX/XXXX I NOTICED AN UNAUTHORIZED CHARGE ON MY ACCOUNT FOR XXXX AT THAT TIME I CONTACTED CHASE TO HAVE THE CHARGE REMOVED WHICH THEY DID .THEN I RECEIVE MY STATEMENT FOR XXXX/XXXX/XXXX AND I NOTICE A CREDIT FOR XXXX SO I CONTACT CHASE CUSTOMER SERVICE ON XXXX/XXXX/XXXX AT XXXX AM AND I EXPLAIN THAT I HAVE A CREDIT THAT DOES NOT BELONG TO ME AND I WOULD LIKE IT REMOVED. THE CUSTOMER SERVICE REP TOLD ME THERE WAS NOTHING HE COULD DO AND THAT IT WAS AN ERROR BY XXXX AND THAT I WAS ENTITLED TO KEEP IT SO I SAID TO HIM THAT DOES NOT SOUND RIGHT HE SAID TO ME TO CONSIDER IT AN EARLY XXXX PRESENT FROM XXXX. I SAID TO HIM I AM NOT GOING TO ORDER ANYTHING MORE FROM XXXX SO HE TOLD ME THAT HE WOULD SEND ME A CHECK FOR XXXX ON MY XXXX/XXXX/XXXX STATEMENT I SEE THAT THE CREDIT IS REMOVED. NOW ON MY XXXX/XXXX/XXXX STATEMENT THERE IS A REBILL FOR XXXX SO I CALLED CUSTOMER SERVICE ON XXXX/XXXX/XXXX AND THEY SAID THERE IS NOTHING THEY COULD DO TO HELP ME .I ASKED THEM TO LISTEN TO THE RECORDING OF THE CALL ON XXXX/XXXX/XXXX THEY SAID THEY WOULD GET BACK TO ME AT A LATER DATE THE CHECK HAS ALREADY BEEN SPENT I DO NOT THINK IT IS RIGHT FOR CHASE TO TRY TO COLLECT ON THIS PAYMENT BECAUSE XXXX OF ITS EMPLOYEES TOLD ME I COULD KEEP IT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-14
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Balance transfer

Complaint:
can not get a transaction listing from Citi. I need a transaction list of my account. The transaction list will show my activity in my account. I believe there is some fraudulent activity, Identity thief or errors in their account receivable and accounts payable. My bank and account will send op to ten years of data, site refuses to send any data. 
I need to check for fraud to end a dispute I think this is the only way to periodically check for hacking of ID theft, banks and other financial institution seem to readily provide their customers transaction information at any time, why wo n't CITI? Such activity allows citizens to assist in law inforcement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have gotten behind in our Mortgage a few times in 27 years because of XXXX XXXX or loss of work, me after 16 years, my husband has been at his job for 35 years. CitiMortgage has stole our money, at one point we owed {$6000.00}, but had to pay {$12000.00}, My husbands XXXX gone {$100000.00}, so now XXXX says we owe {$190000.00}. I now work XXXX jobs, paying {$1600.00} a month. Forced to file Chapter XXXX bankruptcy to avoid foreclosure, I have fought so hard to keep our home, its wrong and unjust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: CITIBANK, N.A.
State: DC
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a Macy's/American Express credit card inside the Macy 's store located in the XXXX in XXXX , Virginia in XXXX XXXX, 2015. I was told by the sales person in the men 's department that I had been approved for this version of card with a limit of {$600.00}. I was also told that any in-store or online purchase would be discounted by an additional 20 %. Additionally, I was told that the use of the card during their XXXX-day only promotion would include an additional discount, and I would also accrue XXXX-Points for each dollar that I spent. 
I opened the account based on these terms, I used the temporary card thinking that I would be receiving a permanent Macy's/AmEx credit card in seven to XXXX business days. 
On XXXX XXXX, 2015 I received a Macy 's Star Rewards regular credit card in the mail. In a separate letter received on the same day I was told that after further review Department Stores National Bank could not issue me what I had been duped into believing I was signing up for. The letter is dated the same day that I applied for credit in the store and the Macy 's clerk told me that I would be getting the dual purpose card. I called Macy 's customer service line and was told that my credit score was not high enough for the dual purpose card. I feel that I should have been told this information on the XXXX, so I could have made a decision whether to sign up for the credit card or just walk away. 
I feel that I was baited, then switched with the promise of a dual purpose card that could be used in Macy 's stores, on-line, as well as anywhere the XXXX XXXX card was accepted. I thought this would a great way help restore and rebuild my credit history and reputation. I was taken advantage of, they knew then that I was not going to get the card that I was promised in-store. This is an unfair and deceptive business practice, and is just plain wrong. I feel cheated by XXXX and Macy 's.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2016 I signed up for Citi Bank Citigold checking account. On the webpage from which I applied it stated I would receive a bonus of XXXX XXXX XXXX miles if I meant the following requirements : 1. {$1000.00} in debit card purchases 2. Processed at least XXXX bill payment for two consecutive months. 
3. Kept the account open for six months. 
On XXXX XXXX, 2016 I messaged Citi to confirm I had meant the first XXXX requirements. They responded and confirmed I had meant the requirements and I would receive the bonus after keeping my account open for six months which I did. I payed a {$30.00} a month fee. Citi informed me on XXXX/XXXX/2016 that I was no longer eligible for the bonus and would not receive it. This is a classic bait and switch.

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 2015-08-25
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!

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 2016-04-13
Company: Nationwide Recovery Systems, Ltd
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I rented an office 3 years ago. My contract said I could work daily from virtual office launch area but the truth was they had no place for me to work from. The contract was cancel for wrong disclosure. The account was closed with the manger. Now I am getting the same bill via email from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CashRepublic Holdings, Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All credit reported data is misleading and incorrect on my credit report please review and contact me. XXXX. Please contact all reported liens for signed contracts by company and said individual. Individual Is constantly being harassed by XXXX XXXXXXXX sent by certain XXXX holders. Sharing personal information is illegal and fraudulent.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a CitiGold checking account XX/XX/XXXX. There was a promotion going on at the time that expired as the year did and I wanted to take advantage of it. I applied and was approved but had to call in a couple of times to get the account funded. Each time I checked to make sure I was " on time '' and still eligible for the bonus. And each time I was assured that I was. 

After that I worked hard to meet the requirements for the bonus. The timeline was pretty aggressive, so I had to rearrange many things to make the required bill payments and spend money on the associated debit card. But I did and in plenty of time. 

There now seems to be some kind of problem getting my awards. Citi has opened a case to research the issue, but it has been a couple of weeks now with no positive conclusion. I am told I just have to wait. Wait with a monthly fee due the XXXX of every month. 

I am due XXXX of XXXX XXXX miles which is the bonus they offered for opening the account and following their own rules. I followed the rules but now Citi does not want to do the same. This is not what I expect from a bank that holds my money. This is my only possible recourse to collecting what I am due.

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 2016-10-17
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Late fee

Complaint:
I applied for a credit card that a zero interest balance transfer. I never received the card, or any paperwork stating the card was active or approved. I received a bill in the mail in XX/XX/XXXX, I paid it because I pay every bill I receive. I since had a the account closed because I never received the cards, CITI opened up a new account and sent me a bill. The one they sent me in XX/XX/XXXX was due on a holiday. I sent them the payment electronically before the holiday, but it was processed the day after, hence generating a late fee. They would not waive it because the previous account had a late fee, and that late fee was generated because i never received the bill nor the cards. They said the late fee can not be waived due to a holiday, and I should have paid before the holiday which I did.

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