BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
Sears corp has not forwarded to me an invoice since XXXX 2015. I spoke to an agent who forwarded my complaint to Sears corp and citi bank regarding the same subject matter and nothing has been accomplished since my complaint was filed 90 days ago I am requesting my reference number for that complain My e-mail account is XXXXXXXXXXXX. you have 7 days to submit this request

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for a 0 % APR interest credit card from Citibank. I was issued an 18 month 0 % credit card in late XXXX / early XXXX. I was given numerous interest fees. I called on XXXX XXXX express my frustration. Citibank stated " they would get back to me in XXXX - 10 business days. '' They never did. I called on XXXX XXXX. And my second inquiry into the fees resulted in stating that I never signed up for a 0 % 18 month interest free credit card.

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 2016-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I signed up for a XXXX XXXX Citibank Visa in XXXX 2016 and started using the card. 
On XXXX XXXX, my partner, who shares the credit card account, got an alert from XXXX about a negative note on her credit report for late payment of a bill. This shows as registered with XXXX and XXXX. I immediately contacted Citibank and payed the balance in full minus the most recent late payment and interest charges which they removed. The thing is that I had never received a paper or email statement or any notification about a past due payment-since the inception of the account. They had a valid email address as evidenced by my receiving a payment notification ( and I confirmed it with the phone agent during my initial call ). Though he agent waived the most recent feeds, he never mentioned the previous billing cycle 's late payment and interest charges ( and also offered only to have me make the minimum payment vs. paying in full ) which I discovered when reviewing my charges a few days later. In a subsequent phone call to Citi on XXXX XXXX, 2016, the agent told me they could not reverse those charges ( she put me on hold to apparently check with a supervisor ). 

Since I had never received billing notifications of any sort from Citibank, they should also reverse the first billing cycles fees. The scarier part is that had we not gotten the notification from the credit bureau, it could have been worse. 
I use a number of credit cards and typically pay in full, on time, every month. It did not occur to me that I might have to proactively " ping '' the credit card company because they neglected to send any bill. We are all conditioned to respond to a bill we receive, otherwise it 's " out of sight=out of mind. ''

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 2015-03-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
There are negative items still being reported on my credit file that are incorrect. I have been successful getting XXXX to remove but XXXX and EX are being difficult. The following items are reporting erroneously on XXXX & EX ; BNKRPTCY ( all XXXX ) XXXX, XXXX, XXXX ( ex only ) XXXX, XXXX, XXXX ( ex only ). I have asked that they verify the address on these accounts because it is n't mine but they continue to report it. There are also a number of inquiries that were removed then put back on by XXXX. Experian is showing XXXX twice and XXXX XXXX, all unauthorized. Attached is email exchange that received no response for XXXX and Letter not picked up for XXXX ( XXXX ) I have also attached my credit report from XXXX/XXXX/13 showing there is no statement on any disputed negative item. Not until XX/XX/XXXX did they notate any disputes and it was n't all of them. I also attached the file from XX/XX/XXXX showing no Inquiries on XXXX now today I have XXXX! XXXX XXXX and XXXX XXXX should have already been deleted. I am adding the documentation that supports that. XXXX XXXX on XX/XX/XXXX and XXXX XX/XX/XXXX were not authorized. The letters I sent them were not addressed with acceptable answers, if any answers at all.I should have submitted plenty of infor to support getting this straightened out. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
Citibank Home Depot Credit services enrolled me in paperless billing without my knowledge which caused me to not receive a paper statement in the mail informing me that I had a balance due. After 90 days, they called me to inform me of this and I promptly made a payment and closed my account. My concern is what negative impact this has caused on my credit score and rating. I have a personal attorney and he will be looking into this for me and filing the necessary legal action to return my credit score and rating to it 's previous state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Expert Credit Sweeps
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
In XXXX of 2020 I purchased credit repair services from XXXX XXXX of ( Expert Credit Sweeps ) in the amount of {$1600.00} and I never received that services. She lied for 3 months saying that she was provide the service that I paid for but she never was working on it.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016, I bought an electric dryer from Sears. I needed a gas dryer so when they came to deliver it, they said I bought the wrong XXXX and it was returned to sears. I then bought a gas dryer. At the end of the month, I receive a bill for the gas dryer and electric dyer. I called sears and said I never received the electric dryer because I have the gas dryer and they said they would remove the charge. The next month, the electric dryer charge is still on my bill. I called again and they said they would refund the purchase. Basically every week since that month, I have been asking Sears to remove the charge from my account since I never received the product and they promise to fix it and do nothing. Meanwhile, I m being charged interest and late fees on a product that I have never received. This is the only charge on my sears card and I refuse to use my card until this is settled. I have even started recording my conversations with sears as I am planning to take this to court if it is not resolved by the end of the month. It has been XXXX moths since the date of purchase and they have yet to resolve their mistake.

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 2016-08-04
Company: CITIBANK, N.A.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was offered XXXX Thank you points from Citibank to open a CitiGold checking account in late XXXX. After finally taking advantage of the offer, I called to verify with Citi the first week of XXXX XXXX to verify that in fact I would receive the bonus points as I knew this account costs {$30.00} each month and I did n't want to waste my money. Just to further verify, after I transferred money to the account on XXXX/XXXX/XXXX I decided to get that verification in secure chat to add to my documents. The representative then verified what I would need to do to get those bonus points and I took the screenshot. Citi is now not honoring these points after already withdrawing {$60.00} from me for the monthly fees and saying I have to provide proof of the initial letter in XXXX. Good grief, a letter from XXXX? I feel that Citi is gathering fees and when it 's time for them to pay their end of the bargain, they reverse course.

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 2016-10-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
on XX/XX/2016 my representation submitted documents to citi bank for mortgage modification on my second mortgage due to reset XX/XX/XXXX. Since then it has been a constant process to keep supplying documents as they go stale from lack of action on Citi banks part. At some point they breached the privacy act by including my first mortgage ( citimortgage ) without my authorization. I made an information request on XX/XX/2016 as to how it happened and other questions including copy of my authorization and was given vague umbrella pass the buck answer yet my Home specialist name was all over it. That was XX/XX/2016 and citi has not responded to my representations request for status update since. That request went unanswered in detail.Today my representation informs me citibank will not talk to her unless i am present. I called number supplied by home specialist and it did not provide any means of entering extension provided by home specialist. I went through automated phone to mortgage assistance and just so happens my specialist got the call. When confronted about lack of status and updates, she claimed it was on hold for lack of documents which my representation confirmed was sent when requested ( conference call ) and that she ( home specialist ) was sick for two weeks, no alternate contact and no automated response she was out of office. Home specialist said I have to start over and that the second will reset in XX/XX/XXXX. Citibank has intentionally let documents go stale, ignored my QWR, stopped communicating with my representation since QWR, forcing me into default destroying my credit of XXXX+. Check consumer complaints and you see this is a pattern with citibank. Hard to get all this in a comprehensive manner. In short my complaints are simple and deserve looking into with a broad scope. 1. Citibank failed to respond to my information request 2. Citibank mishandled my personal information 3. Citbank is failing to work with integrity to help me and other homeowners wanting to keep their homes despite federal regulations that mandate assistance. Bait and switch, take in the applications drag them out until foreclosure, take the property and meet the numbers for assistance applications then blame the homeowner for failing to provide some obscure meaningless document for successful modification. 
In my research Citi Bank and citimortgage have XXXX different tax id # s neither of which are registered with XXXX ca, more confusing is my statements come as citi bank and citi mortgage yet the year end mortgage interest statement for both just shows citimortgage tax id number? Im a consumer please help me keep my home and police the actions of this bank.

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 2015-07-01
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX, XXXX lost her salaried job and she was unable to find similar employment therefore our income reduction caused us to be late on our mortgage payments. 
XX/XX/XXXX, we were barely behind and were attempted to make payment arrangements, however Citi proceeded with foreclosure proceedings causing us to incur legal fees. To resolve this, in XX/XX/XXXX we entered into a repayment plan with Citi Mortgage from XX/XX/XXXX to the final payment in XX/XX/XXXX. Later we would receive a refund for a legal fees under the Independent Foreclosure Review because of Citi 's actions. 
We were lead to believe we would be eligible for a loan modification upon the completion of this plan, however Citi did not complete this. Instead, we fell behind on our payments again, and entered into a repayment agreement from XX/XX/XXXX to XX/XX/XXXX after which we modified the terms of our mortgage by extending the term. 
Please review this information to determine if the reporting of these payments can be updated to reflect that we paid the payments as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2021-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! PLEASE REMOVE THIS FRAUD ACCOUNTS ASAP!

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 2016-06-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.

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 2015-12-31
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: Billing statement

Complaint:
I have a Sears Mastercard issued by Citibank, which I have held since 2010. I have paperless online statements and email notification, and I make payments online. I have not had access to my online account or statements for XXXX billing cycles, and can not make payments online. though I receive email notification that a statement is available. I have talked with IR and customer service as recently as today, but they offer no solution nor a timeline for fixing the problem, which they explained as the result of a software upgrade. They offered to send me a paper statement that would arrive 3 days before my payment is do, and when I noted this was a violation of the law, they insisted that there is no legal requirement to send a statement to a card holder. Without online access, I have no access to my cardholder agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Credit report continues to show duplicate accounts that will not be removed. After running the Experian score simulator the results indicated if I make my payments on time for another 20 years my score will still be XXXX poor? There reporting is so invalid. The credit card companies XXXX, XXXX just pull hard inquires whenever they feel like it XXXX for XXXX application. I give up ... As soon as the computer system was able to log disputes the reporting agencies employees became even lazier than before, they just wait 25 days and update with the same incorrect results. They contacted a closed business for verification? Yeah right. Its all scam now, as soon as you log in they want your money to upgrade to this and that and they are in cahoots with the credit card companies that pay them to advertise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Central States Recovery, Inc.
State: KS
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:
On XXXX XXXX, 2020, CENTRAL STATES add a derogatory mark on my credit reports. CENTRAL STATES did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Pacific Union Financial, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally called on XXXX. to get a refi. started. I was told no loan officer w was there and I would receive a call back from XXXX in XXXX to 48 hours. I waited 3 days and call, so I called on that day. I was told yet again same thing. no one there and would get a call in XXXX to 48 hours. I said ive already waited and that I really need to get it started. I also asked to speak with a supervisor. not one available. it was on XXXX XXXX or XXXX I finally got a call from a loan officer, XXXX. got it started that day. it was on XXXX XXXX I got a call from a supervisor from my complaint 10 days later. I was hoping to get the refi completed soon because I was having some financial dificuties.during this time. I received phone call from their collections department on my making my payment. on. everytime I called to speak with someone for the refi it would go straight to collections. so I maid the payment so it did n't affect my credit. mean while there was little to no communications from our loan officer. XXXX XXXX. Now here wee are on XXXX XXXX just got a call from collections dept. today about my payment. when I have grace period until the XXXX. and I also had to pay XXXX for an appraisal as well. which was also a big set back. called XXXX today with no answer and call back. please help I feel like I have no where to turn to. I heard about CFPB through another mortage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting my XXXX XXXX XXXX late XX/XX/XXXX both in XXXX  and Equifax. XXXX shows late in XX/XX/XXXX. 

This was actually an error on a XXXX XXXX XXXX XXXX employee. I went to go pay the loan and the teller forgot to notate that in the account. I actually sued XXXX and we settled because of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: EQUIFAX, 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: Account status incorrect

Complaint:
My Name is XXXX XXXX I did paid in full on XX/XX/2017 to XXXX  XXXX And Still Showing the balance At XXXX report. 

My card number was : XXXX If you have any questions contact Mr.XXXX XXXX collection department XXXX XXXX At XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account is not mine

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 2015-12-11
Company: CITIBANK, N.A.
State: IL
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a pre-paid debit card for {$40.00} when I purchased tires in 2014. I used the card once and still had {$22.00} on it. I moved and misplaced the card. I recently recovered it, and I saw it had expired, I called to see if I could still receive my funds and they told me my card had expired and fees had applied for maintenance and I now have {$0.00} left. I felt this debit card provided not only had a short date on it for expiration, but also that I was charged these fees. This card is produced by citi.com.

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