BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-19
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a CitiGold Bank Account in XXXX 2016 and I opened it because of a promotional offer from Citibank for XXXX XXXX XXXX points. I received via e-mail a PDF letter from SXXXX on XXXX XXXX, 2016 specifically stating that the promotion was attached to my account and that I need to complete the the terms that required spending {$1000.00}. on my account 's debit card and XXXX or more online bill pays for 2 consecutive months. Further it stated that " Once you meet the above terms and conditions, please allow 90 days ... '' ( letter is attached ) the XXXX XXXX XXXX would be placed in my XXXX XXXX account. I did everything that was required in the letter and I did not receive the miles. I sent an e-mail via their website 's secure message system inquiring about where my miles were and they sent me an email back saying that I was n't eligible and they are refusing to put the miles in my account! A quick internet search is showing that this is happening to a lot of people and, in my opinion, Citibank is being dishonest. In the meantime, they are charging me {$30.00} a month for this checking 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 non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has Violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, Has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-17
Company: Sarma
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing. Per account I've no contractual obligation to pay this company. I advised this collection to be send back to the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Aspen Yo LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A recent check on the XXXX XXXX XXXX XXXX XXXX found a foreclosure case filed against me by a Gregory Funding/GREAT AJAX OPERATING PARTNERSHIP LP. There were motions submitted for approval and hearings held on this case without being served or even a summons being issued by the court. I spoke to the attorney of XXXX XXXX XXXX XXXX XXXX and asked that he cease and desist because there was fraud being committee upon the court in this file and to cease and desist all actions against me because I do not owe this debt. The original default on this debt was in 2007 which in the state of florida puts this out of the statute of limitations. I do not owe this debt to this company even if that was possible without fraud being committed it is out of the statute of limitations. I plan on contacting every federal state regulatory agencies including the bar to complain about this attorney moving forward with fraudulent documents for his client. I am willing to take this to the supreme court if I have to because I do not owe this money to this entity. I have no idea who they are and I will not pay an entity that will try to strong arm me to pay by abusing me and the judicial system. This is a notice of error and to cease and desist foreclosure efforts because I do not owe this debt. They are in violation of Tila Respa FDCPA and Dodd Frank. I will make sure that all agencies are apprised of their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A few months back I had reached out to Capital One concerning my late XXXX XXXX XXXX account. And by way of recorded conversation I was informed that the account is still open. However on XX/XX/XXXX I called out of concern pertaining to my late mothers account. I was then told that the account was closed back in XXXX. And was instructed to send them an email with a reference number. In which I did and to this day theres been absolutely no response or closure to this issue. And Capital One is actually covering up for their errors due to Fraudulent Activities by my sister XXXX XXXX XXXX who had a fraudulent Power Of Attorney Document in which was proven by the courts and an actual Court Appointed Guardian was appointed to my late mothers care due to these fraudulent activities. Sadly Capital One has fallen into Criminal/ Fraudulent activities by deception

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Looking at my credit report I see a collection from credence resource management for a XXXX XXXX  bill, I have no knowledge of having a signed contract with XXXX. Debt collector can not provide validation of a sign contract with XXXX  or with the debt agency they only can provide last bill which does not validate the account, secondly o never signed into agreement with debt collector for collections and never received written notice of debt, I want debt removed from ALL 3 of the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This account from XXXX is closed and I no longer them owe them. Original amount has been paid twice. These amounts are from penalties that is not warranted nor exist anymore. Please remove this.

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 2022-04-18
Company: CORELOGIC INC
State: WA
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:
When I invoked Covid forbearance protections in XXXX, my VA loan with XXXX was not delinquent. Instead of continuing to report my mortgage as current for the duration of my forbearance. XXXX  did not report my mortgage as current as required by the Cares Act and continued to suppress reporting any status until XX/XX/XXXX. My forbearance ended XX/XX/XXXX and I have made at least the regularly contractually scheduled monthly payment required at least since XX/XX/XXXX. 

XXXX  is improperly reporting my mortgage status for the duration of the forbearance and thereafter and is making it impossible for me to refinance due to the VA seasoning requirement to have 6 consecutive regular payments as reported by the credit agencies. Due to the suppression protection XXXX did not report the mortgage payments as current or delinquent but they where required to report the mortgage as current based on the Cares Act and the status of the loan when covid forbearance was invoked.

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 2022-04-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My Wells Fargo credit card was hacked.

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 2015-12-10
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Other fee

Complaint:
I was charged a Foreign Transaction Fee by my credit card when I had no idea that I was making a purchase from a foreign firm. 
Details : I purchased a music app subscription from a website called XXXX from my computer in the US and was charged in US Dollars. My card agreement does allow for a 0.8 % transaction fee to be charged for foreign transactions made in USD. My issue with this practice is that I had no idea that I was making a foreign purchase and I do n't believe the " reasonable person '' test applies either. I bought from a .com domain from a US computer and paid in USD. My receipt has a XXXX XXXX address at the bottom. Nowhere on the website does it mention that the firm is based in XXXX. 
My bank did agree to refund the fee one time as a courtesy, but I have an issue with the practice of charging a fee when a reasonable person has no reason to know that he/she is going to be charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best.

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 2016-11-29
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
On XX/XX/2016, I made a purchase in the XXXX 's department of Macy 's in XXXX, PA. I was asked by the sales associate ( a woman ) if I had a Macy 's credit card. I said yes and showed it to her. The sales associate then told me that Macy 's was " doing away with '' their regular credit cards and was switching to the Macy 's American Express credit card. If I signed up for XXXX on this day I would receive a discount on my purchase. The sales associate also stated that I should switch over to the Macy 's XXXX card because I would have to do so in the future anyway. I have since learned that this was completely untrue. This is credit card fraud, and what the associate did was very wrong. I have contacted Macy 's numerous times in numerous ways and no one will respond to my complaint. I assume that if the sales associate did this to me that she did it to several other consumers. My biggest concern is that this is a common practice for Macy 's sales associates everywhere. I may consult an attorney regarding a class action lawsuit and additionally report this to the XXXX Office 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 2022-04-18
Company: OneMain Finance Corporation
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized inquiries on my credit report that I have attempted to get removed from my credit report on several occasions to no resolution. As well as disputing these inquiries on my credit report. 

List of inquiries : OneMain Financial : XX/XX/2020 XXXX  : XX/XX/2020 XXXX XXXX XXXX : XX/XX/2020 XXXX  XXXX XXXX  : XX/XX/2020 XXXX  XXXX XXXX  XXXX  : XX/XX/2020 XXXX XXXX of XXXX : XX/XX/2020 XXXX  : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
These people keep calling from Quantum. They were told years ago that they have the wrong number. They keep calling even though they claim they lost their license last year ( I filled a previous complaint a few weeks ago and that was their response ). I have phone records showing they are calling from multiple lines. When I have picked up recently no one answers. They just keep calling. They have no business with anyone in my home so they need to stop calling. We have been on the do not call list since 2011.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-12
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up at Citibank for their " CitiGold '' account. When I did so, they promised me XXXX XXXX XXXX miles as a signup bonus. I met all the terms of their deal, including making automatic payments from the account for 2 months, and making over {$1000.00} in debit card payments. Six months later, after repeatedly telling me that they would post the airline miles to my account, they changed their mind and told me they had no intention of honoring the deal they had signed, and that nothing could be done to obtain any resolution. Citibank charges an extraordinary $ XXXX/month fee for this account, and the account is only worth it based on the deal that they offered. Failing to meet the terms of the deal is simply theft on the part of 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 non-monetary relief
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a few days late on a vehicle payment. It is scheduled to be paid electronically 10 days late. Bank Of America keeps calling my work and asking for me while I am helping XXXX at a XXXX I work and also hanging up on my co-workers. This is my place of work. They are harassing me when payment is already planned.

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 2016-07-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This debt collection company just called me and threatened to sue me to collect an alleged 23 year-old debt I purportedly owed to the Goodyear Tire Company. When I asked for the date of the alleged credit extension, I was told " 1993 ''. Then, when I explained that I did n't think I owed the debt and asked why no one had contacted me and/or sued me before regarding this matter I was told that my statements were " an indication of my terrible moral character '' and that they would " come after me, my [ social security ] income, and my property ''. Before I could say anything else, the caller hung up her telephone.

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 2016-12-29
Company: WELLS FARGO & COMPANY
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
while I lived out of state, a niece, XXXX XXXX XXXX, cared for my now deceased mother, XXXX XXXX XXXX, who had XXXX. I now reside in XXXX, SC, since my mother 's death. 
My mother banked at the only Wells Fargo ( originally XXXX, then Wachovia ) Branch. XXXX XXXX removed my name off of the joint accounts ( checking and savings ) that I shared with my mother, and placed her name and the name of XXXX XXXX XXXX on the accounts. She then withdrew money from the account and gave it to XXXX XXXX XXXX, who opened an account at XXXX with himself and my mother as the account holders. 
When I relocated back to South Carolina upon my mother 's death, I was still using my bank accounts that I had established in California, so I did not immediately discover the fraud on the Wells Fargo accounts. When I subsequently went to Wells Fargo to access the accounts, I was told that I was n't on any accounts with my mother. 
At no time had I given Wells Fargo permission to remove my name from the joint accounts that I shared with my mother. Since Wells Fargo allowed an unauthorized individual to place her name on my and my mother 's accounts, we lost an estimated XXXX dollars ( {$25000.00} ) due to this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a letter via mail postal service from Citi Bank. The letter stated " Please be advised that your card was closed on XXXX/XXXX/XXXX as your account may have failed reissue due to late payments, going over accounts which are not in compliance with terms of the Citibank Card Agreement ''. I called customer service XXXX on XXXX/XXXX/XXXX. I spoke with a representative as to why my card was closed and why they are not reissuing a new card. Only thing that they could tell me is because of my activity and that 's it. That 's not a legal reason to close my account. This is unfair and is an act of bullying.

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 2016-10-27
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I HAVE APPLIED WITH CITI VARIOUS TIMES TO GET A MODIFICATION AND GET ME CURRENT ON MY PAYMENTS. I HAVE TURNED IN ALL MY DOCUMENTS TO THEM WHENEVER THEY ASKED ON MORE THAN XXXX OCCASION. NO ONE IS HELPING ME, IN FACT I NOW HAVE A SALE DATE OF XXXX/XXXX/XXXX WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE HAD OVER 50 % LOSS OF INCOME WITHIN THESE PAST FEW YEARS. I WAS FIRST DIVORCED WHICH LOST HALF OF INCOME BEING CONTRIBUTED TO THE HOUSEHOLD, AFTER MY EX HUSBAND PASSED IN XXXX THEY STARTED CHARGING ME FOR HIS MEDICAL EXPENSES WHICH I WAS NOT ABLE TO AFFORD AND WAS FORCED TO FILE FOR BANKRUPTCY. THEN IN XXXX XXXX I HAD XXXX WHICH I HAD XXXX FOR AND 3 MONTHS LATER I WAS FIRED FROM MY JOB I WAS AT AND WAS JUST LEFT WITH ONLY MY SOCIAL SECURITY. NOW IN XXXX XXXX I WENT TO THE DR AND THEY TOLD ME TO GO TO THE EMERGENCY ROOM ASAP BECAUSE I HAD XXXX AND THEY XXXX. I WAS ALSO INFORMED XXXX AND IT XXXX. I HAVE LOST SOO MUCH AND HAVE GONE THROUGH ENOUGH. PLEASE HELP ME SAVE MY HOME!!!

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