BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In or about XXXX 2016, I received a letter from Citibank requiring me to close my account by XXXX XXXX, 2016. I contacted Citibank to find out why but no one was able to provide me with a compelling reason so I had the account closed XX/XX/2016 to avoid monthly service charges for XXXX 2016 and stopped utilizing the account. Then I received a notice in XXXX 2016 from Citibank informing me that I was over drawn on my Checking Plus account for XXXX 2016. Checking Plus acts similar to a overdraft line of credit since this was a business account. I informed the bank that I had closed the account on or about XXXX XXXX, 2016 but they said they paid an ACH payment in XXXX 2016. I expalined my account was closed so how can I have an overdraft for a closed account? My understanding is that once an account is closed it is closed and if a check or ACH hits the account after it has been closed the Bank has to deny the request not apply it to overdraft account associated with the account and then charge me overdraft fee and interest! To resolve the situation I paid for the outstanding amount but I refuse to pay for any interst or overdraft fee since this was Citibank 's error to honor the payment not mine and hence I should not be charged any fees and/or interest. I have received numerous letters and calls demanding payment of the interest and I disputed the charges everytime informing them that this was their ( Citibank ) error not mine and am not responsible for any fee or interest payments. Please understand as of XXXX XXXX, 2016 their demand was for {$58.00} not a significant number but it is the principle that I am fighting for. Why should I be punished for their error? Should n't they be held accountable for not doing their job correctly. Once an account is closed it is closed and the bank does not have any authority to advance payment on my behalf without my knowledge and/or consent. Please note that this was a business account and I had been a customer for over a decade with Citibank.

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 2016-03-20
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX 2015 a {$450.00} item showed up from a check written on my credit card. 
There was an additional fee for the check of {$22.00} I did not use a check and reported the activity to Citi Card after receiving our statement. The check was never authorized by me and I disputed the charge and the fees. The representative from Citi told me not to worry and the charge would be removed. I also at this time requested they not send me blank checks to my unsecured mailbox. 
On my XX/XX/XXXX statement the charge was never removed, and I am still getting blank checks in my mailbox. Made a second call and spoke to a representative at Citi and they informed me that they would take care of it including not sending blank checks. This time I started monitoring the online account activity. There was no change on my account. 
I called a XXXX time and requested specifically they send me formal dispute paperwork. At this time the representative at Citi asked if I wanted to list my Husband on the account as we just got married. I said sure. I also re-iterated that I am still getting blank checks in my mail which is how this type of fraud starts. The representative said they would get the checks to stop. 
After not receiving the dispute form I called a fourth time. This time I was able to coax them to actually sending the paperwork to me. The fraudulent copy of the check was in the dispute form and was clearly not something I signed and authorized. Further, it is not legible enough to even determine what financial institution accepted this fraudulent check. 
I filed the dispute paperwork on XX/XX/XXXX. 
On XXXX XXXX I received a statement from Citi stating they need my husbands signature to process the dispute. I find this insulting since he was not on the account and still does not have any credit scoring information assigned to this account. 
The check and check fees are still assessed against my credit card account. 
At this time I feel that there is no good faith on Citi 's end and have been dealing with the issue for three months. This is not acceptable behavior for a financial institution of this size and contradicts their fraud policy advertised on Television and other media sources. 
My Citi Diamond Preferred Card Information : XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX : was XXXX XXXX during the fraud activity. 
Account ending in XXXX My personal contact information is : XXXX XXXXXXXXXXXX I recently received a

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 2022-05-30
Company: State Collection Service, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
State Collection Services has reported an alleged debt to the Credit Reporting Agencies without notifying me that I can dispute the debt and without providing validation of this debt. Please see the attached letter requesting adequate validation of this debt, if they can not fulfill this request, I demand immediate deletion of this " debt '' from any consumer agency it was reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I received an offer from Home Depot for a credit card. I went online and the system froze up and would not let me complete the application. I called the number and was told I would have to submit a new application with another hard credit report inquirery. I told them I did not want that as they had already pulled my credit and it would hurt my score. They refused to continue to process my application or remove the inquirery.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-24
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received collections notices from Creditors Bureau USA XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, phone # XXXX, dated XXXX XXXX, XXXX for account # XXXX in the amount of {$490.00} and XX/XX/XXXX for account # XXXX in the amount of {$780.00}. These collection notices are for services provided by XXXX XXXX XXXX on the following dates of service : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I had medical coverage during this entire time period and, in fact, had dual coverage. My primary was XXXX and secondary was XXXX. I provided both insurance cards to the receptionist on each visit. It appears, after discussions with XXXX, XXXX and XXXX, that only the XXXX insurance was used to submit claims against. I had coverage by both insurers at the times of service and provided that information on each visit. The claims were not paid because they were not submitted properly by XXXX and through no fault of my own. 

Additionally on the last date of service, XXXX were used during this visit and XXXX did not provide the correct insurance information to them as well. After a phone discussion, XXXX XXXX was able to confirm my coverage with XXXX using my ss # and rescinded the claim and subsequent collection activities. 

XXXX would not pay because they need and " Explanation of Benefits '' from the primary insurance XXXX before they can determine their portion. XXXX does not have an " Explanation of Benefits '' for these visits because they were never billed. I have provided all of the coverage information I was asked and required to provide. 

I have requested that they review this information and rescind the invoices and cease collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I got a Best Buy credit card in XXXX 2016. Under the terms & Conditions the annual fee came up and I specifically asked the salesmen more than once if I was going to get charged this year & he said no. They charged me the fee causing me to pay more than I intended to. I told the sales rep that I had the cash to pay my purchase & if I was going to get charged I did n't want it. Again I read the terms and discussed the annual fee start date with the rep and he assured me it would n't get assessed til next year. This is very wrong. So much for 12 month zero financing. This happened in 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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am disputing my XXXX credit reports of misinformation, inaccurate amounts, some information on reports that doesn't apply to me as the consumer but someone else with similar or same name. Never given the opportunity to correct the debts in question before it was sent to credit bureaus.

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 2022-05-30
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: Their investigation did not fix an error on your report

Complaint:
I HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE LIEN HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, XXXX, equifax, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have repeatedly asked XXXX of Fidelity Creditor services to disclose how much I owe with a physical ledger for my records. She said it 's company policy to not do so until the debt is paid off. 

Yes there is a judgement issued against me, but to demand I pay {$150.00} a month, which I agreed to because she said she would garnish my wages if I did not. How can I pay something that I do n't have? They are unreasonable and I want a legal mediator to establish a comfortable payment for me. 

I work a temporary job and {$150.00} a month is too high. I fell out of the agreement with Fidelity when I was paying $ 50 monthly. XXXX also said that I must schedule autopay. Is that legal? I should n't have to give anyone the right to debit my card on a recurring basis judgement or not. I should be able to pay in the modality I choose to a reasonable amount. My student loans are income based. Should n't my repayment of debt be? 

I do not wish to be contacted at all by Fidelity via telephone, they are no longer allowed to. I was never allowed to challenge the debt whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following account came from a approval of a specific extension of credit that I provided a non negotiable instrument for payment. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2020-10-06
Company: Franklin Credit Management Corporation
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
In XXXX of XXXX, my wife and I purchased XXXX XXXX of XXXX XXXX XXXX, XXXX, MA. Shortly thereafter, the housing market collapsed, which since lead on to Financial Crisis / Recession of XXXX. We had to vacate the property in early XXXX via foreclosure and the cash for keys program. In late XXXX, we were notified that XXXX XXXX XXXX XXXX was seeking over {$50000.00} for the secondary loan. After research on our part, it was noted that they were considered one of the largest and most notorious predatory lenders of the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I regards to my previous complaint XXXX, below : I ca n't even try to submit a payment to pay them ; PERIOD. I 've scheduled payments that they never drafted as promised and please see below for a payment I tried to submit online. Lastly, I submitted more than one months payment via mail to cover a month 's mortgage plus ALL/ANY late/fees and BOA lost the payment and applied to wrong account apparently, only after months of faxing check deposits of the cleared payment and copies of my payment clearing and more documentation from my bank did it FINALLY GET POSTED!! Never did BOA clear my back fees or take into consideration with this recent foreclose proceeding!!!!! WHAT IS GOING ON???!!! PLEASE PLEASE HELP ME, PLEASE, I 'M ABOUT TO LOSE MY HOME! 
-- -- -- -- -- -- -- -- -- - Things have not only gotten worse but escalated beyond my control and I need HELP PLEASE! Anyone, anything! Should I call the news? 
BOA HAS NOW SAID AFTER 8 MONTHS OF THIS HUD LOAN REVIEW PROCESS YHAT ALL OF MY DOCUMENTS HAVE EXPIRED AND I NEED TO RESUBMIT DUE TO A " NEW UNDERWRITER TAKING MY CASE BECAUSE ORIGINAL ONE CHANGED PISITIONS .... Now a new set of guidelines, rules and more of not just the same requests being submitted. I more confused than EVER before on what this new underwriting needs and NO ONE COMMUNICATES IR CALLS BACK. New documentation requests estate I need to show/prove things " from previous conversations '' ... Those in which I never had because I 'm lost as to what they 're talking about!!! TOP IT OFF, I 'm apparently 6 months in the rears of payments because my husband and I XXXX been paying mortgage payments out of XXXX asked are accounts with phone representative each mo th.. Turns out that 's payments were never credited to my mortgage rather lost in " miscellaneous postings '' because they were n't one full payment! They can neither apply the payments nor fix the fact that IVE PAID MY MIRTHAGE DURING THIS TIME! I am now apparently {$4200.00} + behind and was told UNLESS I PAY FULL BALANCE NO LAYMENTS WILL BE ACCEPTED!!!! Please help, I know this has to be illegal, right??

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 2016-08-12
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015 I was offered a sign up bonus to open a Citigold checking account. Since I did not have my state issued ID at the time I was given instructions on how to do so online. After opening the account I reached out to confirm the offer was attached to my account. I was told that it was. Once I met the requirements for the bonus I reached out again to confirm I had done what was needed and was told that I had and that the bonus should post to my XXXX XXXX account no later than XX/XX/XXXX. Now I am told that I was not eligible for the offer but I have all the messages to prove that I was told I was. I was even told to go in branch to talk to a representative and when I did I was told that they did not have the power to give me the bonus but to reach out to customer service again because it should be honored. I did that and after their investigation where they can see all my previous communication where I was told I had the offer on my account and that I completed the requirements I am still being told that they still will not honor this offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Delinquent account

Complaint:
Today, XXXX XXXX, I was contacted by Citibank in connection with my new credit account with Best Buy. Citibank representative notified me that the payment on my account was delinquent. I explained that I had performed a payment on XXXX/XXXX/16 before the required payment date of XXXX/XXXX/16. She explained me that this payment corresponded to the cycle of XX/XX/XXXX. I explained that this is a new account and that I had only received XXXX statement dated XXXX/XXXX/16 and performed one payment before the corresponding due date of XXXX/XXXX/16. Citibank did not credited on its XXXX/XXXX/16 statement the payment that I had made on that same date, even though as per Citibank representative the cycle was still open and the payment belong to this cycle. Therefore, I was expecting Citibank to credit the payment on the cycle corresponding to XX/XX/XXXX. However, as per explained today by Citibank representative, the payment was credited to XX/XX/XXXX cycle ( even though it was not included as such on the statement ) and the payment corresponding to XX/XX/XXXX is allegedly delinquent.

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 2016-05-23
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a Citibank checking and savings account. Apparently, there was some form of overdraft protection ( in the form of a line of credit ) on the checking account. I was in the process of buying a new home with XXXX XXXX as the lender. I was attempting to liquidate my checking and savings with Citi and move all of my money to XXXX. On my online account, the available funds in the Line of Credit appeared to by positive money owed to me. So, I moved the money that I thought was mine to my checking account and proceeded to close the accounts. I had trouble closing the accounts, as can be confirmed by multiple calls to the Citi customer service unit. Please note - there are NO branches in my state and it appears as though the branch I started the account in is closed as well. This is very unfair and confusing for a consumer. Eventually, the accounts were liquidated/closed. However, it appears as though what I thought was an available balance for me, was actually a line of credit. It was ~ {$150.00} ans was reported to the credit bureaus as delinquent. Now, my otherwise perfect credit history has been negatively impacted. Look, this was not a loan to me that I did n't repay. This was just a confusing feature on my account that I did n't even know existed. I was never notified - no one called me, no one mailed anything to me - regarding this ... it just showed up on my credit report one day. This is not an act of non-payment. This is solely customer confusion caused by the online account, absence of branches, and an inability of an offshore call center to assist a customer.

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