BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Other

Complaint:
I applied for a Citibank credit card online and was declined. I received a letter stating I already had a card and gave a number to call them. I called the phone number, explained I did NOT have a card, explained that I have and live with my XXXX brother where all of our information is identical except consecutive social security numbers. He does have a card, and it was my idea that perhaps Citibank was getting the information crossed, that he has a card and Citibank was thinking it was me, they directed the call to the fraud department apparently they have more authority to look on the " back end '' of the application process, whatever that means. The fraud department advised that was most likely the issue that the " system '' was thinking my brother and I were the same " input '' on the application system. They advised to try to submit another application and try again, etc, and this process was repeated two more times. The man at the fraud department advised to use a different address for another inquiry so I also tried that and then had that business address show up on the credit report as well. XXXX inquiries are appearing on my credit report now, which is lowering my score. I have a XXXX fico and that 's not the issue, the Citibank system keeps saying a have a card, as explained earlier. I have since this mess tried to dispute the inquiries on my credit report with the credit bureaus, since I should not have them stand due to the mix up and inability of the Citibank system to distinguish there are XXXX different people ( by the way my brother also has XXXX fico ). The credit bureaus state that the creditor is verifying as valid, and this is NOT CORRECT and they need to be removed from my report, so please help. It 's not right to have them stay on the credit report as there is some type of glitch at Citibank, and I was advised to keep trying, and since there is no possibility of getting a card and at this point I do n't want one after this fiasco, there should not be any damage to myself on this behalf. I just want to be very clear that my brother is not involved in this in any way, just to explain of the issue of consecutive social security numbers with same last names and same birthdays and same addresses, etc, you see the problem. The dates of the inquiries are XXXX XXXX, XXXX, and XXXX XXXX, XXXX and XXXX XXXX, XXXX. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was attempting to pay XXXX of my credit card invoices. Instead of being greeted with the normal payment screens I was instead forced to verify my payment source before I could make the payments. This was the same day that the payment was due and I was n't at home and did n't have my checkbook with me to get the routing number and account number. I did n't want to be late so I input the information from memory and some portion of the information was incorrect. I received a call from the company fours days later asking me for payment which I paid the same day. I was then charged fees for making the mistake and my online bill pay service is now suspended. My questions are why would a company need to verify a customers payment source that has not changed in over a decade, why would they need to do it when I 'm under pressure to get the payment in on time and if I wanted to change the payment source would n't that be up to me to do before trying to make a payment? I think this was a trap set by the company to lure me in to making a mistake and then charging me extra fees for it.

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 2015-03-30
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
as of XXXX/XXXX/2015 as per attached statement, I had a credit of {$1000.00} available. I had received a refund fro merchandise i returned at home depot for {$730.00}. Now suddenly my credit limit is reduced by {$900.00} and it is {$4100.00} instead of {$5000.00}. This caused me to loose money i paid as well as the refund amount of {$730.00}. this is abusive practice and totally unfair on behalf of the card holder. I fell i should have taken store credit for {$730.00} and not put it back on my home depot credit card. No i do not have the merchandise and nor the credit available which was issued as refund to me on XXXX. I have attached the statements fro XXXX, XXXX and XXXX. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello I logged into my Home depot account which is administered by Citibank to check the status of my account. Imagine my surprise when I saw a due date of XX/XX/XXXX when I had just made a payment earlier this month for the original due date of the XXXX of the month. Had I not discovered this it would have sent the account into default and I would have lost the 0 % financing cost which is not due until XX/XX/XXXX for which I will have paid off before then. The only notice I received from Home depot was that the billing website had changed and no change in my due date had happened. I am afraid that many of their customers who are using this option may have their accounts go into default because of this underhanded tactic. Please investigate this issue and force Home depot aka citibank to make amends to any customers that may have been deceived by them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: FL
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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

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 2020-12-17
Company: EQUIFAX, INC.
State: FL
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:
The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I recently opened a new XXXX XXXX credit card with Citibank.This was a promotion offered by Citi/XXXX XXXX in their online reservation payment area. I was able to charge a flight immediately on the card, as they gave me temporary information on the telephone when I signed up. 
Yesterday, XXXX XXXX, 2016, I received the card and immediately logged into their online system ( which I was unable to do with the temporary information they provided at signup ). The Citibank website informed me that my statement had closed on XXXX XXXX and the amount was due on XXXX XXXX. I had not received a statement in the mail ( it arrived today- XXXX XXXX ) and it is not yet available on the website. 
It is my understanding that a customer is entitled to 21 days to review their statement, but I was not provided this. ( 21 days from today is XXXX XXXX. ). I contacted Citi by chat and message, but they refuse to allow me the full 21 days and simply reply with their scripts. I believe that their failure to provide me with the full 21 day grace period should result in them moving the charges to the next statement and resulting due date.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am submitting this CFPB Complaint once again to express my extreme dissatisfaction and outrage regarding the fraudulent items listed on my credit report. It is unacceptable that there are several items that I did not open or have any knowledge of, and it is clear that my identity has been stolen. The items in question, which include [ list fraudulent account details ], are a blatant violation of my rights and have severely impacted my financial standing. I demand that you take immediate action to investigate and remove these fraudulent items from my credit report without delay. The following items should be removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX Balance {$10000.00} XXXX XXXX XXXX {$0.00}. As a consumer, I have the right to dispute any inaccurate information on my credit report, and it is your legal obligation under the Fair Credit Reporting Act to conduct a thorough and prompt investigation into this matter. I expect to receive a written response from you detailing the results of your investigation and the actions you have taken to rectify this situation.

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 2016-06-17
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi mortgage perpetrated loan modification fraud on me and sold my mortgage to XXXX. All we wanted to do was PAY our payments in installments. They said sure. Just do a loan modification.They tricked us. They added XXXX dollars to our principle. XXXX will not help me. Will you?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Citi Financial Group called me and requested money right away needed it within XXXX hours or they were going to contact my employer, send a XXXX to the IRS, and charge me with a felony. The company never addressed what company they were calling from until the XXXX call. They woman gave all my information out to my wife without XXXX requesting my permission first. When we advised them they needed to prove that I owed this debt the XXXX worker stated they did not have to prove anything and we needed to prove where we did not owe this debt. My wife has spoken to our case manager today ( XXXX/XXXX/15 ) and advised the case manager that we did not want any money taken out until we received the email with the documents that we were promised and requested information to be faxed over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
well I feel like I have no choice but to file a complaint here when I attempt to log in online it says that account details are no longer available I 'm guessing this is because the account has been closed for well over 6 months now but because of that I can no longer send messages to you either that 's my first complaint you 're making it impossible for me to communicate with you the second complaint is about the XXXX dispute for {$400.00} which the transaction took place more than eight months ago it was disputed almost 8 months ago originally I provided all the tracking information the carrier confirms that the package was delivered to the proper address that belongs to the company there 's no proof otherwise that they have n't received it and now eight months later you are billing my credit card keeping in mind a credit card that 's not even open anymore and has n't been opened for almost 6 months I 'm not sure what you 're doing there XXXX butt if Citibank is made a mistake processing all of this that 's your mistake not mine I have provided proof that the merchandise was returned unless the merchant has provided proof that they did n't receive it which is far as I know they have n't provided any proof of that I 'm expecting a full refund you can discharge someone 's account 8 months later there are laws in place that you were breaking you are aware of this 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 explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016 I booked a 2 night stay at XXXX in XXXX, FL for XXXX. At the time of booking I was advised the resort would charge a deposit of {$240.00}. When I received my statement for my Citi XXXX I was charged the {$240.00} twice by the resort as XXXX separate transactions. I pointed this out to the resort management at check in and was advised it would be taken care of. It was not. I have receipts from the resort supporting this. I protested the charges with Citi. They will not reverse the charges and have sided with the resort even though my card statement reflects I was charged {$240.00} twice as two separate transactions and the resort receipt only reflects a deposit of {$240.00} was applied.

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 2017-02-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.

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 2015-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
Today, I went to CITIbank at XXXX XXXX XXXX. XXXX XXXX, CA XXXX to make a payment on my CITIbank master card. I gave the teller a {$100.00} bill and told her I wanted to make a payment on my card. She informed that the bank has a new rule that requires me to provide my social security number, my driver 's license and my occupation to make a cash payment. I asked if that was a bank policy or a new federal policy as I pay in cash each month and have never been asked for that information. The teller did not have an answer for me. It has been my understanding that a SS # is to be used for tax payer identification purposes only. I did provide the information requested to avoid a late payment but am very concerned about this new practice. I understand that transactions over {$10000.00} must be reported but my {$100.00} payment was n't near that threshold. In summary, is it legal to require this from an American citizen to make a cash payment? If so, can other institutions and business require the same ID? This is a very alarming policy and seems to be overly invasive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a XXXX account in XXXX with a XXXX XXXX miles offer attached to the account. I met all of the requirements in order to receive the miles in XXXX, and also contacted Citibank through secured messages, calls and live chat to ensure that I was qualified and would receive the miles. All of the representatives confirmed that I met all of the requirements and the bonus would be posted in XXXX at the latest. However, I did not receive my bonus and decided to contact Citi. Citibank refused to honor this promotion by saying that I was not targeted for the promotion. This behavior is unacceptable as all of the representatives at Citi told me that I met all requirements and should get my miles. If I was not targeted, they should not have told me so. They delayed the time the bonus got posted and then refused to honor it in order to charge monthly fees on my account.

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 2020-12-16
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XX/XX/2020 at XXXX XXXX I received a phone call from an unknown number while at a doctor appointment. It was Chase credit card letting me know I did not pay last months bill. I told them I did not have the funds available and that I would pay at the end of month when my bill was due. The man on the other end then questioned me if I did not have any money, how was I getting around? I explained other bills while he kept harassing me about the question until I demanded to end the call. I ended up humiliating myself at the doctors office because this guy took the question long too far. 
The last few days I have received constant phone calls from the same number that are basically hang ups. I believe this company needs to get control of this The phone number of the company is XXXX XXXX XXXX XXXX I received phone calls on that day and today at XXXX XXXX and XXXX XXXX today. 
Im also on the do not call registry and am still receiving calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: RCS Recovery Services, LLC
State: AZ
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
I received a collection letter from RCS Recovery Services LLc XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. This company is harassing me with calls and letters. Im in the state of XXXX protected by " uncollectable debt ''. This was a 2nd mortgage " purchase money 2nd '' - by the XXXX state law " anti-deficiency statute " The anti-deficiency statute for mortgages applies to purchase-money mortgages ( mortgages taken out for the sole purpose of purchasing the property securing the mortgage ) used to purchase a single one- or two-family dwelling on XXXX acres or less. So if you took out a mortgage to purchase your single-family home on a lot that is less than XXXX acres, your lender will not be able to sue you for the deficiency after a judicial foreclosure. XXXX Rev. Stat. Ann. 33-729. While this statute appears to only apply to mortgages, XXXX courts have interpreted it as also being applicable to purchase-money deeds of trust that are foreclosed judicially '' Please forward this complaint I am in need of protecting my credit and can not have this company report any judgment whatsoever on my credit. I would like a response to the handling of this matter.

Company response to consumer: Closed with explanation