BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account on XXXX/XXXX/XXXX through promotional offer XXXX which promised XXXX XXXX XXXX miles after completing two bill payments and spending {$1000.00} by debit card in the first 60 days. 

Citi failed to send me a debit card within the first 30 days and when i contacted them, they issued an ATM card that I was unable to use as a debit card. After another call to customer service, I was finally issued a debit card and requested to have the deadline of 60 days be extended another 30 days in order to complete the requirements in time, to which they agreed. 

I contacted Citibank on XXXX/XXXX/XXXX to confirm my eligibility had been extended and discussed the matter with online agent " XXXX '' ( Correspondence attached ). He explicitly confirmed my eligibility had been extended an additional 30 days and stated that if I completed by second bill payment XXXX, the requirements for my account would be met to receive the XXXX bonus points. 

I completed my bill payments in XX/XX/XXXX and XX/XX/XXXX and had multiple online conversations with Citi representatives to confirm that I still qualified and met all the requirements. 

I contacted a Citigold representative again in XXXX XXXX in order to follow-up on my promotional offer. a representative by the name of XXXX XXXX XXXX stated " there is an investigation open on the status of the offer. Once the back office support finishes their investigation, you will be notified via secure email to the address listed below with the outcome. '' I still have not received a response to this case being opened ( as of XXXX/XXXX/XXXX ), nor have any agents been able to confirm that there is even an open investigation related to my account opened at any time around this date. ( message correspondence attached ). 

On multiple occasions, Citibank gave me a password to open a secured email with the status of my request, however, a notification was never received by me. When I called back on XXXX/XXXX/XXXX and spoke with agent " XXXX '', he reaffirmed my eligibility for the offer and stated he did not see any open cases for the matter. He opened a new case ( reference XXXX ) to be resolved within " 2-3 business days ''. 

I called Citigold once more on XXXX/XXXX/XXXX seeking a resolution for my matter. A representative by the name of " XXXX '' stated they had not seen any forward movement on the account as formerly promised. I have lost all confidence in this matter being resolved internally. I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.

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 2022-11-10
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection was placed on all three of my credit reports for a debt I did not know existed. I got insurance through a local agent. Made the first payment. Went back to agency to make second payment a month later where I found an empty building. I assumed my relationship with that business was over. The policy was for my work truck through XXXX XXXX. XXXX XXXX kept the policy opened for XXXX more days without my knowledge. XXXX XXXX did not have my direct contact information. I never made direct contact with XXXX XXXX. I had no idea who my policy was with other than my agent whom I had spoken with often. 

The balance of {$420.00} was placed for collections with CCS. Upon contacting CCS I was told that the only way to remove this from my credit was to contact XXXX XXXX. I offered to pay this amount in full if the report were to be removed from my account because I was never given the opportunity to pay this before it damaged my credit. XXXX XXXX refused payment under those conditions. XXXX XXXX acknowledged no contact was made with me before this account was placed for collections. The phone number they had for me was not mine. The email they had for me is not mine. The address they have for me is an XXXX that I had used. I have not had a permanent address since XXXX. 

I am currently homeless and have worked very hard to build my credit. This derogatory mark on my credit is keeping me homeless and has made all of my hard work building my credit vanish into thin air. I had hoped to buy a home in XXXX. 

What is the upside of me paying this? The damage is done. I just want to pay this and have it not be on my credit. I would have paid this at anytime if I had known about it. My contact information is on my credit report. I could have been easily contacted at any point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Revco Management, LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In early XX/XX/XXXX I received a debt collection letter from Revco Solutions dated XX/XX/XXXX for the amount of {$430.00} for a medical account with XXXX XXXX XXXX XXXX. In accordance with my rights under federal law I drafted and mailed a letter for debt validation on XX/XX/XXXX to Revco Solutions. This was sent via XXXX certified mail and per XXXX tracking picked up at a postal facility on XX/XX/XXXX. Revco Solutions has not to this date responded to my request for debt validation. On XX/XX/XXXX a debt collection was received from Revco Solutions. The failure to respond to my debt validation letter and continuing to try to collect the debt is a direct violation of the FDCPA. Both debt collection letters from Revco Solutions, a copy of my letter for debt validation, and all tracking information from the XXXX certified mail is included with this complaint for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 've contacted Bank of America several times for specific information in reference to mortgage loaner passing away without a will. I was given several steps from gathering an affidavit of heirship and affidavit of small estates from the courts signed by a judge. I 've collected all court documents and submitted all requested information however, still unable to communicate. Every time I speak with a representative, something is different. Can you please assist me or possibly direct me in the right direction?

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 2015-05-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-19
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up. The locked my account for 180 days and when they elapsed and ready to withdraw the funds as they notified me via email on XX/XX/2021. They then asked me further documentation which was followed by another 180 day hold of my funds. I don't believe holding my funds that long is justifiable by paypal yet I have done nothing wrong. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to change telephone number for accessing bank info and statements on line. Submitted documentation to bank on XX/XX/22 they submitted a Document Review Request Form with a notarised document allowing for the telephone number change that was signed. Was informed by the bank that the legal department informed them of the refusal of said documents, only if I came personally to the bank, which is impossible as I am in XXXX at the present time. I sent my cousin XXXX XXXX to represent me at the bank.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have contacted this company on multiple occasions and I still have no resolution. I have been writing this company since XX/XX/2017 with no resolution. XXXX is station that I have a debt that is not mind. I have challenged the accuracy of this debt with no validation. This company bears no signature to verify this debt. XXXX states " I owe them {$380.00} and that the account has been placed in collection ''.

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 2015-04-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received phone calls on my mobile from citi bank credit card from number XXXX about past due and i did return call again same number and their system identify me by my home phone number and system says " we are attempt to collect debt Any information obtained will be used for that purpose. '' my question is i just miss the XXXX payment on my credit card account and I took immediate action and made payment. my question is why my credit card account is under " attempt to collect debt ... .that purpose '' Is it under collection agency or i have balance and did not paid full each month it means my account subject to collect debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: FL
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:
A CHARGE OFF ON YOUR CREDIT REPORT MEANS THE DEBT IS CONSIDERED INCOME ACCORDING TO THE IRS. FCRA STATES IT IS UNLAWFUL TO REPORT INCOME ONTO YOUR CREDIT REPORT. 
Account Details Account status Closed Type Credit Card Responsibility Individual Account. 
Remarks Charged off account XXXX XX/XX/90 days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: TX
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:
I previously ... several weeks ago ... requested all 3 credit reports from the CRAs  as they refused to send 2020 reports. 
So I did receive those reports and applied for a loan which XXXX XXXX rejected which I expected but also sent me a letter telling my credit reports were frozen ehich I never requested from Equifax. 
I do not know if all 3 reports are FROZEN or just Equifax. 
This was NEVER requested by me I did ask for complete credit profiles however. Today is XX/XX/2020 Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Credit Karma, LLC
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Hi, I 've tried to see my credit score because I was denied of a credit card. There were certain questions I could n't answer, because I did n't have the correct answers to them. I 've put none of the above for all the loans they asked me about and I was informed that I was giving out the wrong information. I 've only took out a student loan. No car loans or mortgage loans. I think somebody has been using my information and now I ca n't even obtain my credit score. Can you please help me solve this so I can finally see my credit report.

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 2017-02-13
Company: SUNTRUST BANKS, INC.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
SUNTRUST BANK IN FLORIDA ISSED A CASHIER CHECK IN THE AMOUNT OF {$4200.00} CK XXXX AND REFUSING TO HONOR PAPER. 
THEY ARE IN VIOLATION OF THE DOOD-FRANK ACT FOR ISSUING FRAUDULENT CHECKS TO CONSUMERS.

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 2022-11-10
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i have asked LEXISNEXIS RISK SOLUTIONS a copy of my report because they say that they were unable to verify me they did not ask for any other information beside my name, social security number, DOB, address and license number they did not ask me for any copies of anything. 

I need a copy of my consumer report to verified everything is accurate attached a copy of my ID and a utility bill

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: AL
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:
I recently checked my credit report and discovered multiple billing errors. Billing mistakes under US 15. Code 1666 ( b ) is the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or credit extended to the debtor. a computation error or other accounting error made by the creditor on a statement There should be no late payments on these accounts because, as far as I can tell, the creditor did not give me a statement 21 days beforehand. Because these are obviously billing errors, I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due. The disputed accounts are listed below. 
XXXX XXXX Account # : XXXX Balance : {$500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$3000.00} Open Date : XX/XX/XXXXXXXX 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 2017-02-03
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Today I called FedLoan, my servicer, about a payment question. When I mentioned the lump sum I made in XXXX 2017, to reduce my principal and by default the interest, he said it was being held in a " paid ahead '' folder. The lump sum was {$9000.00} which would significantly reduce my accrued interests, if applied. My account summary displayed the lump sum as if it had gone through, I did n't know it was being held anywhere. 

Basically, each month a portion is taken from my " paid ahead '' folder and applied to my loans rather then applying the whole payment right away. That way FedLoan can keep accruing more interest. I had my " paid ahead '' folder removed that I did n't even know existed. There was no email or clarification of this. Maybe in fine print somewhere, but these type of practices need to be made significantly more clear.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions Inc.
State: WI
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 I sent XXXX a dispute letter demanding to remove 3 accounts thats not mines. XXXXXXXX XXXX {$120.00}, XXXX XXXX {$3000.00} and XXXX XXXX {$0.00}. They are not following you guys rules, they have yet to provide me with investigation results. I also sent a 30 day to comply and haven't seen any changes or removals. Same with Experian and XXXX and same accounts, except Experian has a account XXXX XXXX {$840.00} that I also demanded to be removed.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Citibank published a Notice of Trustee 's Sale for XXXX/XXXX/2012 ( attached ) on our property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, a legal action designed to recover their XXXX Trust Deed Mortgage with a lien against our property. The resultant foreclosure did not generate sufficient funds to cover Citibank 's TD. Citibank now expects us to cover the difference in a second debt collection legal action in direct violation of California XXXX Section XXXX ( a ) [ Single-Action Rule ; also attached ]. I brought this matter to the attention of XXXX at Citibank ( direct phone # XXXX ) who responded that after their legal review they do not believe California 's XXXX Rule applies. Please kindly let me know whether or not the state 's XXXX Rule governs here. Thank you very much. 
P.S. I have also attached a letter from XXXX XXXX XXXX ' Office, California XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: WHEELS FINANCIAL GROUP, LLC.
State: IL
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:
I sent a debt validation letter to XXXX XXXX  under XXXX the amount of the alleged debt is diffrent than the amount that XXXX XXXX is reporting to the reporting agencies In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation