BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
CitiCards payment processing process violates XXXX because of their unfair deceptive and abusive practices. I tried to process a payment online on their site on XXXX, and because there was an online issue with selecting the XXXX as the payment date, they had me call in to make a payment over the phone. The phone rep was unable to assist me and did n't explain as to why which I thought was very deceptive. I went back online on the XXXX and had no choice but to elect the XXXX as the processing date. Now my payment is late and there is a late fee associated because of your unfair deceptive and abusive practice. The late fee will also affect my APR which is also unfair. The payment site should have transparent disclosure on the processing payment site and not deceive their customer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
ATM Machine at XXXX at XXXX XXXX XXXX, XXXX, California XXXX USA is set up so that the sun will not allow you to see the screen. XXXX has put in many requests themselves to Citibank to move the machine or do something to make it safe and workable. According to the store, Citibank does not care and does not come out to deal with the problem. It creates many inproper clicks on the ATM because people can not read what they are doing. If trying to hold magazines or something around it to be able to see it causes customers purses, papers, etc. to all fall to the ground and makes them easy targets for theft. Even with doing that, it is very hard to try to see what you are pushing unless you have all of the screens memorized. Citibank has made it impossible to locate on the internet just who to contact to correct this problem. I am a Citibank customer with quite a few accounts and I use the XXXX ATM machines all the time but the one at this particular location is completely unsafe and Citibank needs to IMMEDIATELY to something before someone gets injured or is robbed or looses their money all because they thought they were pushing another button while trying to hold on to something to help them see and hold their personal belongings at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Investment Retrievers, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Investment Retrievers did a hard inquiry on my credit report without my authorization. It was listed as a hard inquiry for an installment loan. I did not contact them nor authorized them to run my credit. This will impact my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Information belongs to someone else

Complaint:
This is my fourth time disputing these accounts with the bureaus as well as the furnishers I am a victim of Identity theft and these accounts were not opened by me signed by me or approved by me. I have sent multiple letters from XXXX to no avail. I need this taken care of as soon as possible. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX ON XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am the beneficiary on my deceased brother 's IRA through CITIBANK Retirement Plan Services. I was advised by CITIBANK that I can not take a direct distribution, but would have to open an IRA account where my deceased brother 's funds would be transferred and then disbursed. 
I reluctantly completed the IRA application, even though the application contained personal information which was none of CITIBANK 's business. 
Additionally, I have been told by CITIBANK that I AM REQUIRED to visit a CITIBANK branch to have XXXX page of the application completed. The required page is basically asking for verification of my identity. This information has been previously submitted and approved by CITIBANK. 
The nearest CITIBANK branch to my location is approx. XXXX miles round trip. 
Any help that you can provide would be greatly appreciated. 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 monetary relief
Consumer complaint received 2016-06-15
Company: CURO Intermediate Holdings
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Financed a XXXX laptop at speedy cash on XXXX/XXXX/2016 and the computer had a virus on it right out of the box ... it encrypted my files and locked them so I could n't use them and asking {$500.00} to give them back to me. {$1000.00} if I wait a week to pay. The box was checked that said " allow this computer to be controlled remotely. It appears it was created XXXX/XXXX/2016 but the dates are hard to know if they are right on a virus. 
I told speedy cash and they said that they could n't replace the laptop and I needed to call the manufacturer. I called the MF and they told me it was speedy cash who needed to replace the computer. 
I lost important files forever and these were my internet marketing files that I use for work which Ive accumulated over a year and a half and my ability to work has been severly obstructed. I do n't know how to put a value on what my files are worth or if I can legally do anything about this ...? I know I did n't download anything or open anything to get the virus ... it was the second time I had turned it on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX 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 2016-06-22
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 Citi Gold Checking account in XXXX. The account was opened using a promotional offer that Citi had, which provided a bonus of XXXX XXXX XXXX miles ( worth approximately { {$500.00} } ) once the following conditions were met : 2 bill payments in 2 separate months within 2 months of opening the account and 1 debit card purchase of {$1000.00} or more. I opened the account, and verified ( via Secure Message ) with Citi that my account was opened using the promotional code, and that I had met the requirements of the bonus. I was told ( in accordance with the promotional terms ) that the bonus miles will post within 3 statements of completing the requirements ( which would have been XXXX/XXXX/16 ). It is now XXXX/XXXX/16, and I have paid { {$90.00} } in monthly fees to Citi, and Citi has not upheld its side of the promotion. I specifically confirmed that I was eligible for the promotion via secure message. Citi customer service representatives have been unprofessional and uninformative when trying to resolve this issue after submitting an investigation with Citi. Their CSR is incapable of making any changes and implementing any resolutions, other than pointing the finger at different departments. My husband has an identical complaint, and has filed a CFPB complaint as well. From searching the internet, there are XXXX of people which Citi is not upholding their terms of the promotion, while still charging monthly service fees for not providing any " service '' other than ripping off their customers.

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 2015-09-19
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We were charged for a XXXX subordination fee for a home refinance that did not happen. we were not told of the fee we could not refinance because of citimorgages subordination denial, they refuse to refund or credit back the fee. XXXX XXXX XXXX also charges us a fee but it was only XXXX and not XXXX and XXXX XXXX XXXX refunded the fee because the loan was not refinanced. we paid over XXXX dollars towns the refinance on top of their fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: NETWORK CAPITAL FUNDING CORP
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Some weeks ago, I contacted NetworkCapital about a refi. About a week later, I had second thoughts and informed their representative, both verbally and via e-mail, that I no longer wished to pursue the refi with them. 
Since informing the company, via it 's representatives, of my change in plans, representatives of the company have continued to call me at least weekly ( sometimes more frequently ), even though I told each representative I was no longer interested in pursuing a refi with them. 
This morning, I received another call from a NetworkCapital representative ; I hung up on the caller. 
I wish all calls to me from NetworkCapital cease, 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 non-monetary relief
Consumer complaint received 2015-06-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
We are hoping that you can help us. If not, perhaps you can direct us to the appropriate person ( s ) or authorities to contact. 

As described in greater detail in the attached correspondence ( representing a portion of the entire correspondence ), on XX/XX/XXXX, we purchased a large-screen TV and related items for more than {$3000.00} pursuant to Best Buy 's interest free offer. We made all required minimum payments on a timely basis, but XXXX, the bank initially administering the credit card, incorrectly applied our payments and charged a ridiculous ( in excess of {$1000.00} ) finance charge. They ultimately admitted their mistake, but improperly corrected it, leaving a finance charge balance of approximately {$70.00}. 

After months of additional correspondence, they agreed to properly correct and eliminate all finance charges. Unfortunately, they never made the correction and the credit card administration was subsequently transferred to Citibank. We spoke with Citibank ( numerous times ) and shortly before the conclusion of the 3-year interest free period, on XX/XX/XXXX, we paid the entire correct remaining balance due to Best Buy. We also sent to Citibank, on many occasions, a schedule of all our timely payments, evidencing our payment in full of this account. 

Citibank chose to ignore our correspondence and evidence of timely payments and imposed a finance charge of {$2400.00} on the, according to their records, {$70.00} balance. We again called and wrote to no avail. Ultimately we spoke with Citibank officials who made various excuses ranging from needing cancelled checks - we made all payments via electronic transfer from Citibank to Citibank - to having no obligation to analyze any information from before Citibank began administering the account. 

I finally requested that they just sue us so that we could have our day in court and prove our payment in full. The unbelievable response was " that is not how Citibank operates. '' Instead, Citi will harass us and ruin our credit rating, regardless of whether we owe any amount. They are excellent at harassment. A computer calls our home phone many ( XXXX or more ) times every day, from before XXXX XXXX until after XXXX XXXX, weekday, weekend and holidays. They refuse to stop harassing, refuse to review the account and related correspondence and insist this is how they operate until they are paid what they erroneously think we owe them in full. 

As indicated up front, please help and/or direct us to the proper authorities. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
There is a home in XXXX. that we have not been unable to sell. For the last nine months I have attempt to negotiate with CitiMortgage to close the account on this home by deed-n-lieu. We now live in XXXX. Every 90 days I have had to submit a packet of documents to keep the request current. I have made sure the monthly payments are made each month and on time. This month note to be paid is {$1.00}, XXXX for XXXX. The original amount of the note was $ XXXX/monthly. The additonal charges are so great that the principal amount has not decreased. In fact the XXXX payment only apply {$200.00} to the principal balance. XXXX note included a charge of an additional {$2000.00} dollars. The monthly note totaled {$3500.00}. I made a payment of {$2000.00} dollars on XXXX/XXXX/2015, then the additional payment ( XXXX ) {$1500.00}. There is no reference to the payment of {$2000.00}. On numerous occasions I have written for a review of the account to specifiy where the {$2000.00} was applied. Instead I have been told there is an overdue amount of {$360.00}. A history of payment application was sent after several request, It does not refer to the {$2000.00} dollars. Since the Deed-N-Lieu request there are other charges that eats up the payment i.e. : reinstmnt expence, property preservation, foreclosure costs ( {$920.00} ), appraisal/XXXX ( XXXX ), forclsr Atty fee ( {$270.00} ). Theses charges are listed every month. I have not missed a payment so why are we being charged foreclosure fees? How many time do the property have to be appraised? There should be only one Attorney assigned to this account, how many times must the attorney be paid? 
I ask for deed-n-lieu because of the hardship that I am in. My husband a XXXX Veteran is XXXX. If he dies then a lost of his income would be detrimental to me and the XXXX children XXXX. This has been stated in a letter of hardship to CitiMortgage. A contract was sent to us from CitiMortgage in XXXX to finalized the deed-N-lieu request. It is now almost the end of XXXX and the contract has not been processed. If the process takes more than 90 days then I must submit additional documentation that our income and status has not change. Our income will not change unless my husband expires. 
CitiMortgage been going in a vicious circle and failed to finalize the process in a timely manner.

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 2015-09-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was offered a pre-qualified " Business Line of Credit '' from Wells Fargo on XXXX XXXX, 2015. I denied credit based on financial information from what I was told by a Representative of Wells Fargo, from " old financial archives '' from XXXX of a " charge-off '' of a credit card from Wells Fargo which is no longer on my Credit Bureau Agency or other reporting financial agencies. I was then told that " once you write off bad debt or charge offs, Wells Fargo never approves application for lines of credit or loans ... '' I have a high credit rating of XXXX - XXXX which is cited in their denial letter. Even though they stated in the letter that negative information on my Credit Bureaus was used to determine my application result. But yet, on the phone with a manager, I was told that " old financial archives from Wells Fargo was used. I asked them were they using my race and location of my business as factor for denying me a " business line of credit ''? Of course, they responded that " this was not the case '' but no good explaination was given for my denial of a business credit line other then a " consumer credit card charge off from XXXX ''. I believe Wells Fargo is using unfair business practices and discriminated towards my application based on my XXXX location.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
my husband had a XXXX XXXX XXXX and I needed to remodify my loan my husband who was the bread winner of the family would n't be able to work any more and we were living on my XXXX/ of XXXX a month we went from XXXX to mine over night. I filed they said to skip three months I was learly but I followed the instructions to the letter and they put our home in foreclosure and we almost lost it I called and wrote senators and govenors and even the president they a even tacked about XXXX to my loan after about three months of doing this,, this was wrong and needless and needs to stop, it was citi mortage account XXXX why is this happening to people? and can we get the money they conviently took from us my husband died XXXX XXXX and the stress of this did n't help I sold my home and moved to XXXX where I have just file a complaint with XXXX,,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company Account Reoslution Corp in XX/XX/XXXX concluded via a dispute directly through XXXX and XXXX that this debt was invalid and removed it from both reports as of XX/XX/XXXX. On XX/XX/XXXX this account was reinserted to my XXXX report, reporting a balance of {$260.00} which is not my debt. I also was not notified of this debt before it was reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Random " Payment Safeguard '' fee applied to my credit card each month without my knowledge nor enrollment. Have been charged for the past year, during which time I was not receiving paper statements and had set up automatic payments, and was no using my credit card in any other way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief