BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Balance transfer

Complaint:
I used my bill pay through my personal Bank to pay my credit card bill. I now have XXXX Citibank credit cards because Costco used to require that you use a Costco XXXX card, but they automatically switched those card users to a new account with Costco Citibank, when their contract with XXXX was n't renewed. 
The start of this problem was actually my mistake- I made a payment of XXXX to " citi cards '' ( because that 's how is shows up in bill pay through my bank ) on XX/XX/2016. I did n't realize, though that I had selected the wrong citi cards ( since I now have XXXX ), I wanted it to go to my citicard through XXXX - not the Costco citicard. 
I realized this on XX/XX/2016 when I got a notification from my Citibank mastercard, that no payment was received, and immediately called the number on the back of the costco card, that should n't have received that payment. Since I owed almost nothing on the costco account ( around {$100.00} ) my balance is currently a credit of over {$3000.00}. 
I explained my situationon that day, and was transferred to a lady in their financial department. She tried to directly transfer the money from my Citibank Costco card to my Citibank master card, but unfortunately it did n't work. She then took my bank information and explained that it would take 3-5 business days to transfer the funds, but the 5 business days came and went and the money was still sitting in the Costco Citibank account. I have called twice since then, to check the status, and each time the person who answers the phone acknowledges that a refund request has been submitted but it has n't been completed yet, and to call back in a couple of business days,

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 2015-03-23
Company: WELLS FARGO & COMPANY
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife lost her job last year and my youngest had some health problems so we have contacted Wells Fargo to make arrangement on XXXX half of our XXXX payment. We paid mortgage XXXX a month. We set up a plan for remaining {$800.00} with XXXX and XXXX payment and making XXXX payment on XX/XX/XXXX. XXXX XXXX was a holiday ( did n't realize that when we set up arraignment ) and when the payment did n't come out on the next business day I have called XXXX to find out what happened and made a payment online. Our payments were set up automatically to come out of our account I am not sure why this payment was n't set up this way. My wife got a job and we caught up with everything by XX/XX/XXXX. We thought everything was OK. We have started looking in to moving and I have visited my mortgage XXXX to see what we can get approved for. He told us we were late with mortgage and can not get a loan till at least XX/XX/XXXX and even then we need a good explanation to what happened. 
Wells Fargo has reported out payment 30 days late. We contacted them and explained the situation:1. they set up our payment on a holiday 2. our payment did n't come out automatically. Upon speaking with one of the loan officers there they told us that is clearly their fault because the payment arrangement are never set up for holiday and we were suppose to be told there wont be automatic withdrawal on that day. We were advised to file a dispute with WF which we did. We requested the late payment to be removed due to reasons above. We waited 30 days on the response and upon calling them they stated they have never received our dispute. I had a fax confirmation and after confronting them about it they told me I was given a wrong fax number. I re-faxed the dispute and I received answer from WF stating they did n't do anything wrong, they ca n't remove late payment and that they added a compliance condition code on my credit and they will not remove it until I I tell them I agree with their decision. I received another letter today explaining payment arraignment and how we did n't comply ; however they are omitting the fact that our payment was set up on a holiday and no one told us we have to physically make a payment. What they are stating is that we cancelled automatic withdrawals. If we knew that we would make a payment ahead of time. They also never notified us that the agreement was broken what would trigger us to call and find out what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, On XX/XX/XXXX, I asked Robinhood to dispute two unauthorized transactions on my checking account for which I have a debit card ( Robinhood Cash Card ). Robinhood partners with XXXX XXXX XXXX to create checking accounts for its customers ( Robinhood Spending Account ) and then connects it to a debit card issued by XXXX XXXX  ( Robinhood Cash Card ). I did not hear anything back from Robinhood for several days, and my Cash Card remained active and so I followed up on XX/XX/XXXX via support chat and told the agent that I did not receive any communication about my dispute. The agent said that they would respond in 2 days time with an update. It is now XX/XX/XXXX, and I still received no update ( and my Cash Card was still active as of this morning ) so this morning I contacted support again and told them that I would be filing a complaint with CFPB if they refuse to take any action on the dispute. Approximately 2 hours after the conversation this morning, Robinhood sent me a questionnaire to complete via email which I planned to do this evening. I have money on my account and attempted to use my card this afternoon to pay for a medical appointment. My card was declined even though there is sufficient balance. I then received an email stating that my account had been restricted- which given the timing described above, I believe this is retaliation for telling them that I would file a CFPB complaint earlier today. I contacted support again immediately and explained that my card was in my possession and I needed to urgently use my remaining funds ( I.e. {$49.00} ) to pay for my doctors visit. The agent told me that another team at the company would contact me sometime over email to let me know how I can unrestrict my account. Effectively, theyve taken complete control of my remaining balance without notifying me in advance and refuse to let me take the necessary steps to unrestrict my account to pay for a medical appointment. Its worth noting that I have direct deposit set up with Robinhood and this past month have deposited over {$12000.00} to my account. Robinhood locking my balance of {$49.00} only after I said I would file a complaint is clearly not in the letter of the spirit of consumer financial protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: WELLS FARGO & COMPANY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo closed my accounts due to CIF. It was their error in that my address and phone number will not fit into their computer fields. I have opened an account with XXXX XXXX Bank but Wells Fargo Continually make excuses as to why they can not deposit my money at XXXX XXXX Bank. They have alienated me from over {$8000.00} of mine for over two months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: CITIBANK, N.A.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I received a letter from CitiMortgage stating The Making Home Affordable Program recently announced an expansion of borrower " pay for Performance '' incentives for eligible loans. I met all the qualifications and received the {$5000.00} which was applied to the principle. This {$5000.00} would have reduced my mortgage by $ XXXX monthly. The form to accept this offer required my signature only ( see attached ) Received my monthly statement from CitiMortgage for {$2000.00} instead of {$1900.00} ( recast ) incentive the paper work I received and phone contact from CitiMortgage all indicated I received the recast and was approved. Called CitiMortage was assigned to XXXX XXXX. XXXX XXXX # # XXXX EXT # XXXX. She stated only I had to accept the offer but all must sign the RECAST paperwork, if stands to reason IF ALL MUST SIGN TO RECEIVE THE REDUCTION IN THE MORTGAGE " ALL MUST SIGN TO ACCEPT THE OFFER AS WELL. I feel like a VICTIM OF A BAIT & SWITCH SCHEME. Please help me Im XXXX on a fixed income. $ XXXX monthly may not seem a lot to some but it is to me.

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 2017-01-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XX/XX/2016 I went into Wells Fargo branch : XXXX XXXX XXXX, XXXX, CA XXXX as my bank transfers show on XX/XX/2016 I transferred from savings into checking {$1100.00}, plus {$35.00} to cover the wire transfer. The total amount of {$1100.00} was available in my checking account. Wells Fargo has NO EXCUSES that moment in front of the banker XXXX XXXX who did the transfer herself ALL ENTIRE AMOUNT OF {$1100.00} was deducted from my checking and was applied to the wire of {$1100.00}. 
On XX/XX/2016 Wells Fargo posted the transfer of {$1100.00} and on XX/XX/2016 charged me {$35.00} overdraft fee. There is no reason for the overdraft fee. This is discriminatory, reckless and criminal. This needs to stop I 'm in entitled to have a checking account like everyone else. There is no reason to be singled out and charge fees for items that I 've already paid. I 'm not going to pay for items two or three times because somebody has a problem and they ca n't get over it and let me have a checking account like everyone else. This interference needs to stop this is unethical period and criminal. Wells Fargo employees are behaving unethically, unprofessionally and frankly this is criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: John C. Bonewicz, P.C.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello I have a loan serviced through XXXX that is a private student loan, it is current. However, the loan was sold and re-sold from XXXX to XXXX to XXXX bank and is back at XXXX. 
The law office of John Bonewicz ( XXXX ) Persists in calling my friends ' parents to get in touch with me.I have never resided at this address or provided this phone number as a contact number. They refuse to acknowledge that they called my friend 's parents number, a number which I do n't even know. When I called to indicate they should delete all contact numbers aside from my cell phone they refused to do so unless I acknowledged that I owed them a debt. I do not in fact owe them a debt as my loan is current and serviced by XXXX, when I spoke with XXXX they indicated that they never authorize 3rd party collection calls. 

I 'd like to know how to get them to stop calling. 

thanks, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have an account with Care Credit and a charge was made in the amount of XXXX for dental with with XXXX XXXX XXXX. There was an issue with the minimum payment due being much higher than I was told by XXXX XXXX XXXX and both myself and XXXX XXXX XXXX were on a 3 way call with Care Credit to resolve the payment issue and it was agreed to on the call that it would be worked out that the minimum payment due would be around XXXX dollars. Care Credit says that they have fixed the problem and my minimum payment due is XXXX which is much higher than what was promised to me.

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 2015-08-17
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Navy Federal Credit Union Denied my access to my bill pay because it was link to Fraud Account that was close and they issue me new account Number and they did not link my new account with bill pay so they denied me access to account because of lack of them doing there job. Why would they hold the customer responsible for them not linking the account with right one. Continue Lack of unprofessional when hand product and services. Please investigate the Product and Services Navy Federal Credit Union offer to the members and ensure they are processing and according to United States Federal Regulation. Your service account has been suspended because we were unable to withdraw funds from your payment account. You will receive an email or letter in the U.S. mail about the returned payments. For info on reactivating your account, call XXXX. 
Because your account is suspended, you are currently unable to use all of Navy Federal 's Bill Pay Service 's features. To cancel a pending payment or to print a list of your e-bills and payments, go to Bill History.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a XXXX/XXXX/XXXX charge for {$350.00} to my credit card account by letter to my Credit Card Company on XXXX/XXXX/XXXX. The charge was credited back to my account and a dispute opened. I responded to form letters from my Credit Card Company providing the requested information : ( 1 ) form XXXX date XXXX/XXXX/XXXX -response XXXX/XXXX/XXXX, ( 2 ) form XXXX date XXXX/XXXX/XXXX - response date XXXX/XXXX/XXXX, and ( 3 ) form XXXX date XXXX/XXXX/XXXX. The XXXX/XXXX/XXXX form letter provided response from the merchant and requested a " new letter addressing the merchant 's documentation '' to be returned by XXXX/XXXX/XXXX. My credit card account was rebilled by my Credit Card Company for the {$350.00} on XXXX/XXXX/XXXX because " it was determined to be a valid charge. '' My response letter required extensive research and analysis, and was mailed to my Credit Card Company on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a form letter form my Credit Card Company dated XXXX/XXXX/XXXX reporting non-receipt of my response to their XXXX/XXXX/XXXX letter and informing me that the investigation is complete since they did not receive a response and that my account had been rebilled for the disputed amount. On XXXX/XXXX/XXXX I mailed a letter to my Credit Card Company retransmitting the XXXX/XXXX/XXXX response and requesting the dispute be reopened. I then received a XXXX/XXXX/XXXX form letter from my Credit Card Company stating that they have " no further recourse in this matter and can not obtain credit on your behalf. Our investigation remains closed. '' Thus my dispute was closed and the disputed amount charged to my account 9 days after the date of the letter which gave me 20 days in which to respond - my response was mailed 14 days into the allowed response period, and my Credit Card Company denied having received my response 8 days after it was mailed and had not been found some 11 days later. It is a travesty that my Credit Card Company can not or will not timely evaluate information provided by their customer that is critical to my dispute. It is a breach of their responsibility to efficiently process disputes when they are unable or unwilling to timely receive and connect information to the relevant dispute and to process that information in the interest of justice. It is a violation of the dispute process to rebill the disputed amount and close the dispute before the date they request me to respond. The dispute provision is meaningless when the disputed amount is released to the merchant before the customer has adequate time to provide evidence of the validity of the dispute.

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 2015-09-28
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage is reporting two mortgage late payments on XX/XX/XXXX & XX/XX/2011. I made those payments on time via XXXX, XXXX XXXX XXXX on line payment system did n't work so the payments were posted late. XXXX XXXX XXXX, corrected the problem and deliver the funds to CitiMortgage, but they were posted as late payments, even thought it was not my fault at all. They can check my record and I have a perfect record payment thru today. I am applying for a Mortgage and this issue is affecting my credit. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
Macy 's Credit card services and their in-house collections Company, Citi-Bank, claim that my account with them is unable to be resolved. I want to pay the debt, but Macy 's wo n't accept payment because they have a 5 year statute of limitations. Since they are no longer looking for payment they claim I owe nothing, however they will furnish no correspondence to me to that effect. My concern is that the bureaus wo n't update it to show that I owe nothing because Macy 's wo n't update this with them. The Bureaus will continue to report for 2 more years, in the meantime Macy 's still reports on my credit account as recently as XXXX XXXX, with the initial being in XXXX of 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 2016-10-28
Company: WESTERN UNION COMPANY, THE
State: NM
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
This complaint is about Western Union. I tried to wire {$200.00} to an acquaintance on Monday, XX/XX/2016. I received a text from the saying the transaction was under review and should be resolved in 2 hours. After 2 hours I called them and they told me that the transaction was denied, and that someone would be calling me back to let me know how I might get a refund. Well no one has been calling me back. I 've left them Emails, and called back, and they say the same thing, someone will call me back with information about a refund, and basicly the business week has passed by without any calls regarding my refund. I 've made sure they have the correct phone number. I get the feeling they are n't ever going call back and are planning on keeping my money. So consumers beware, Western Union has deteriorated into a bunch of old west bandits.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance {$840.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Empowerment Ventures, LLC
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Untimely direct deposit. Received pay statement XXXX XXXX. XXXX was XXXX XXXX. Have called many times. No getting answers. Payroll deposit still has not posted. My job has sent a test payment and checked the numbers twice. Falling behind on bills, coming in Dept and other prproblems such as rent and XXXX. Would like to no what legal actions can I take n the state od Florida.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
1. The account was set up for automatic payment. For several months you withdrew money from the XXXX account and also billed my company. 
2. It took multiple, lengthy phone calls to get this fixed. Each time were assured that the problem had been solved only to discover the next billing cycle that it had n't. 
3. Further, rather than withdrawing the actual amount due you withdrew a fixed amount ( {$440.00} ) each month - regardless of the amount owed! E.g. the statement for payment due XXXX XXXX showed a balance of {$95.00} but you withdrew {$440.00}, creating a credit of {$340.00}. The statement received yesterday shows charges of {$59.00}. But instead of reducing the credit balance by that amount you again withdrew {$440.00} from our bank account thus increasing the credit balance to {$720.00}. This is ridiculous. 
4. When we called to get this corrected your representative told that Citi has no way of netting current charges against credit balances. If true this is absurd. 
5. As to your telephone service, I can only say that it has been terrible. When we called to clear up this mess ( two times today alone ) we first were put on hold for more than 15 minutes before reaching a representative. He/she listened to our complaint, said that we needed to speak with a different office, and put us on hold. After another 10 - 15 minutes on hold we were disconnected. We then called to cancel the account. The same thing happened.

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