BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-10
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I opened a new Citigold Checking Account with Citibank after receiving promotional materials for promotion code XXXX. This promotion awards XXXX XXXX XXXX XXXX miles to a consumer who opens a new Citigold Checking Account, spends {$1000.00} on their new debit card, and utilizes BillPay services in two consecutive months. I was excited to try the Citigold product, as I 've done my banking exclusively with another bank and wanted to experience a different product. After opening the account, I received a phone call from a Citi representative who needed to verify personal information. This representative acknowledged that the promotion XXXX was attached to my account. 

In XXXX 2016, having completed all of the promotions requirements for the XXXX XXXX miles, I sent a secured message to Citibank. I received a secured response from Citibank on XXXX XXXX ( see attachment ). In this response, the representative acknowledged that my account was registered fro promotion XXXX, confirmed that I had completed all of the spending and billpay requirements, and wrote that XXXX XXXX miles would be awarded to my account by XXXX/XXXX/2016, 90 days after the closing date of the XXXX cycle. 

On XXXX/XXXX/2016, I sent a secured message to Citibank inquiring about my XXXX miles and received a secured reply that same day. That reply stated the following : my account is being investigated, but may or may not be eligible for promotion XXXX, despite what the earlier message ( sent by the same representative now replying ) said. The response suggests that I may not have been targeted for this promotion. The terms and conditions of the promotion said nothing about needing to be targeted, though the promotional materials I received were directed specifically at Citi XXXX credit card owners. As an owner of this exact credit card, it was reasonable for me to believe that the offer targets me. Nothing in the terms and conditions speaks to the contrary, and both both verbal confirmation by a telephone agent and a secured message by a Citi representative confirmed that I was eligible and registered for the promotion, had met its conditions, and would receive the bonus. 

Lastly, the XXXX XXXX secured response from Citi said that they could offer no time frame for an estimated date of completion on the investigation. In the meanwhile, Citi is charging $ XXXX/month in account fees.

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 2017-02-14
Company: Lending Club Corp
State: MN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I do n't understand why other loans with a due date are paid early the due date advances to the next month because I paid the payment before the due date yes it 's early but it was paid and advances the due date. I personally think it 's unfair that a financial institution essentially force you to carry a loan it 's entire term, or make " extra payments '' that do n't count towards the monthly payment. I 'm just trying to save some interest but can not believe a lender is ok with opporating this way, and allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: HARRIS, KLEIN ASSOCIATIES, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is a alleged debt regarding a prescription medication that insurance company XXXX XXXX XXXX XXXX XXXX allegedly paid for when my membership with them was no longer active. I asked this debt collector if they could inform me of the RX information that XXXX allegedly filled ; and they could not provide such information. Therefore, the debt is invalid, and debt claim is invalid. 

The name of the debt collector is Harris, Klein Associates, INC. 


Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Bread Financial Holdings, Inc.
State: NY
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 don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX/KAY Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is XXXX all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was targeted for the Citigold banking XXXX AAdvantage miles promotion that was happening. I followed the terms and legitimately funded the account with XXXX of my credit cards and began to use the provided debit card for bill pays and spend. When I hit my promotional requirements of spending {$1000.00} and making 2 consecutive bill pays, I was told that I have met the requirements and will now just have to wait 90 days ( until XX/XX/XXXX ) to get my miles.I was charged {$60.00} dollars of maintenance fees in this wake. After XX/XX/XXXX hits, I have not gotten my miles and they are telling me they have to INVESTIGATE my account which will take ANOTHER 90 days. That 's another {$90.00} of " maintenance '' fees.

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 2015-10-21
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other

Complaint:
Best Buy delivered a crushed dishwasher to my residence and refused to take it back. Once I realized that the dishwasher was destroyed, I stopped uncrating it and called the store. They said that they would not come back and get their scrap metal that they delivered and told me that returning the item was my responsibility. I asked how I was supposed to do this considering it took multiple people to unload the, and the item, packing and crate are very heavy. I was told it was n't their concern. I took pictures of the crushed appliance, and I tried to get someone to help me return the item. I had no vehicle that could return such a large crate. I eventually found a neighbor who agreed to rent me his vehicle to return the item and it took XXXX males to lift the crate into the minivan, but when I got to the store they said I could not return the defective product because it was not returned to them within 15 days. This is ridiculous because it was scrap that was delivered and not the product I had agreed to buy. I have extensive photographic evidence to verify this. I was told that Best Buy could have their XXXX XXXX refurbish the dishwasher-their words, or I would have to take store credit. I told them that was n't an acceptable option after the hell they put me through to get their junk back to them. They have threatened me with legal action, telephone calls well after being asked to stop, and despite a credit dispute, never incestigating the incident.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
ON XX/XX/2021 I had arrived home from a birthday dinner with family, as I exited my car in the driveway I was approached by a man walked down my driveway towards my back door, he was saying '' sir I'm looking for ... .. '' I asked him what his business was here, and he asked again said he was looking for ... ... I never confirmed nor denied as the next thing he said was that he was trying to collect a debt, I asked for who, he stated " some old credit card '' I took the papers and went into my home to better read them as it was already late in the evening, this interaction in my driveway lasted no more than 20 seconds. My complaint is that this debt collection agency contacted me at an unusual time and place in an attempt to collect this debt it was after XXXX XXXX my time here when this stranger approached my car in my driveway on my private property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank checking account on XX/XX/XXXX and deposited funds on XX/XX/XXXX. I opened the account because Citibank promised XXXX dollars would be credited to the account after XXXX days of making the deposit. The exact wording of the offer reads as follows " the cash bonus will be credited to your new checking account within XXXX calendar days from the date when you completed all offer requirements. '' Beginning XX/XX/XXXX, I have called Citibank multiple times. Each time, I have been told that all requirements have been met and that they are investigating the problem.

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 2015-05-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
Macy 's never sent me my bill for a new account, and is trying to charge me months of late fees now and will not cooperate, claiming that I must have received the bills which I did not. 

I would like to have the account, but I am not paying {$100.00} in late fees because they chose to wait 3 months to send me the first statement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to open a new account and the lender says my Equifax is frozen. I did not place a freeze on my account and Equifax does not offer any method to contact them by phone for details on who and why there is a freeze on my credit score. If contacting them by mail they request a member number for their fee based credit monitoring service. 
They should offer a customer service phone number to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XXXX 2015, I received a call from my XXXX XXXX consumer fraud department that they detected fraudulent charges. Someone purchased XXXX trips from XXXX, totaling {$1000.00}. I confirmed the charges were not mine and they shut off my card and promptly sent me a new one. The company also mailed an affidavit, which I filled out and returned. The company told me it would take up to 2 months for the charges to be removd from my account. Numerous phone calls, hours spent on the phone, and 5 months of paying interest on these fraud charges, they remain on my account and no one is a ble to help me. They claim they lost the affidavit and have supposedly sent me two more out, which I have not received. I have escalated this and they keep telling me that it is going to take two more months for the charges to disappear from my account. I have been paying interest and battling this company for 6 months now, when it should have been resolved months ago. I feel they are unable to resolve this and I am out of options.

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 2015-04-17
Company: CITIBANK, N.A.
State: SD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Since I was not using enough the credit card, they have closed the account. 
No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CITIBANK, N.A.
State: OK
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
I used XXXX XXXX Visa Debit card and they took the {$72.00} saying it was pending though it was declined to XXXX. They will not put the money back for eight days so I can not use it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX XXXX I made a {$400.00} cash payment to my Macy 's credit card at department store. I received an email confirmation that the payment was received, as I always do with all payments.In XXXX XXXX, I did not see the payment posted to my acct so I called and they initiated an investigation. I was told I did not have to make any payments while the matter was in dispute and being investigated.I received a letter stating that. In XXXX XXXX I got a letter stating the payment in question was posted to my account. However, I did not see it posted. So again I contacted them and disputed this for 7 months, they refused to honor their email confirmation of said payment and refused to post it to my account. In XXXX my stmt indicated no payment due so I did not make a payment. Not being able to resolve this I had no choice but to pay it again. Later when I applied for a loan I found out they posted 3 months late payments on my credit. I contacted Macy 's again and they refused to remove it. This has affected my credit score and my ability to get a loan. Macy 's has been unreasonable and unfair. Macy 's needs to be investigated, I 'm sure this happens to a lot of people and we just give up trying to fight them, because it takes so much effort and they transfer you around to many departments. Even going to the Executive complaint office was useless. The person I communicated with was XXXX XXXX and she indicates the matter was properly investigated and that a computer glitch caused the email to be sent to me. This is absurd, coming from such a big company with massive computer systems. They should honor their own correspondence. I want Macy 's to refund me my {$400.00} and correct the negative credit reporting. I thing they need to be investigated for unfair practice, in that I 'm sure this has happend to many other people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is a Lowes credit card, I am not able to make a payment online with another vredit or debit card, only by giving my bank account and routing no # 's.

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 2016-02-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX credit card service declined my auto payments. When I called in they stated it was due to my card had expired. My card good thru date shows XXXX. They advised on XXXX they would issue a new card with an updated good through date reflecting XX/XX/XXXX. I received the updated card on XXXX only to have an even earlier expiration date of XXXX. If a card has a valid good through date there should be no reason why a card charge should not go through. They asked me to activate the new card which will expire next month. This does me no good by my auto payments will get rejected once again. The person who is not returning calls is XXXX and her number is XXXX. I 've reached out to her 6 times and left 2 messages and have not heard back.

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 2016-10-26
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
I spoke to best buy credit card services. I always set up payment arrangement and tell them my financial problems. I 'm current on this account until next month. They closed my account and said they have a problem with me. The customer service representative i spoke to was so rude and told me that if i paid my account on time and not be like the rest of the world ; my account would n't be closed. I told him i wanted to speak to a supervisor and he hung up. This company is very rude. Well Citi Bank is who lends to Best Buy.

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 2016-07-12
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Payoff process

Complaint:
Citi does not allow you to pay your pending charges before they post on your account, meaning they will always be able to charge interest at the end of the month regardless of a customer 's ability and willingness to pay off the balance. 
Also, the customer portal does not allow all cardmembers who share an account to see the transactions made by other cardmembers. Truly a terrible system, as there is no ability to watch for fraudulent transactions without logging into XXXX accounts. We have had the card for a couple months, but we will be going back to XXXX XXXX tomorrow.

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 2016-04-12
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
citi mortgage contact me on XXXX/XXXX/2016 regarding a mortgage payment due XXXX/XXXX/2016 I made an arrangement to pay on XXXX/XXXX/2016 citi mortgage contacted me again on XXXX/XXXX/2016 again regarding the exact same payment I just made a arrangement for the day before. 
citi mortgage contacted me on XXXX/XXXX/2016 XXXX XXXX regarding payment due on XXXX/XXXX/2016. I made an arrangement for payment XXXX/XXXX/2016. citi mortgage contacted me again on XXXX/XXXX/2016 XXXX XXXX regarding the exact same payment. I spoke with manager XXXX id # XXXX and manager XXXX ID XXXX. I was advised my only option to stop being contacted twice within 24 hours regarding the same payment was to send a cease and desist.

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 2021-07-01
Company: EQUIFAX, INC.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
XXXX, Equifax and XXXX, has not ceased in their action to report factual information on my credit report. 
XXXX Equifax and XXXX, said accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX, were all accurate. A complaint was filed in XXXX XXXX for removal of late fees With XXXX Equifax and XXXX. These Agencies are not following FCRA Laws under Section USC15 1681A 2 ( e ) However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
XXXX Equifax and XXXX, has stated that according to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX The late fees on my Credit report is correct. According to FCRA Consumer reporting agencies should not report factual information. These must be removed immediately!

Company response to consumer: Closed with explanation