BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy 's allowed for the opening of a fraudulent credit card in my name in XXXX XXXX. I had not authorized or requested the card. When I found out about it via a credit report in XXXX XXXX, I promptly called Macy 's credit card number and alerted them to a possible identity theft and asked them to close the card and inform all the credit reporting agencies. Macy 's Fraud Investigation Department acknowledged my complaint with a postal letter asking me to reach out to the XXXX credit bureaus. 

I also filed an identity theft report with the XXXX ( Texas ) Police Department and signed an affidavit and sent a copy by certified mail XXXX these documents to Macy 's. In addition, I have paid XXXX to have my credit report monitored. 

In the three months after I submitted my documents and spoke with their representative asking that the reference to the unauthorized credit card be removed from my name, Macy 's has not done so. In fact, Macy 's let the credit agencies know in XXXX XXXX that this unauthorized account is past due ( according to my XXXX monitoring service ). When I called Macy 's expressing my extreme frustration at this negative hit against my credit rating, they were quite blase about it and suggested that they might get around to looking into this in the next few months. 

I find Macy 's credit card practices to be quite unacceptable - they allow for card accounts to be opened with minimal investigation and then seem uninterested in helping redress the wrong. I would appeal to the CFPB for assistance in having Macy 's expunge the reference to this card from my name.

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 2022-11-21
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: Information belongs to someone else

Complaint:
Someone open up a credit card account under my name without my permission and now its negatively affecting my credit score.

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 2016-10-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an XXXX credit card and gold membership debit card as part of their promotion online where if you spend {$3000.00} in 3 month on the credit card and then have a balance transfer of {$1000.00} and two direct payments on a debit card you would obtain XXXX miles from credit card and XXXX miles from debit card. 
I did just that and was credited my miles from the credit card right away. However, the debit card did not give me any miles at all. I called the company and was told that I did everything the promotion needed and that miles would be given to me in 3-4 months. I waited and paid the $ 30 monthly fee to only get nothing. I called back again and was told that they would open a fast investigation to see the problem and contact me 30 days later. 2 months later I received nothing and again called the bank. At this point, no one knew the problem and I was on the phone for 1.5 hours and nothing was resolved. 

Finally I called again at 11 months of being a member and was told at that point that this was a directed promotion and I did n't qualify. They were not sure how I got it since I was n't targeted and could not credit me my points. I asked how could I have been allowed to do this if I was n't targeted and they did n't know. They confirmed that nothing pops up if you are not targeted so they essentially take your money and give you nothing in return. 

At the end, they said it was " odd '' that I was able to get this promotion but there was nothing else that could be done. As such, I feel I earned my money and any reasonable person in the court of law would agree that unless they prompt you on the screen that I am not targeted, I am inherently expecting the points.

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 2016-05-14
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was made aware of a signup bonus of XXXX XXXX XXXX AAdvantage points for opening a Citigold Checking Account at CitiBank. I opened the account in-branch, having confirmed verbally with the banker that I was eligible, and had the promotion attached to the account. He specifically checked for the existence of a Citi AAdvantage Mastercard on my account and noted that had I not had one, I would not have been eligible. I further confirmed by email with the banker that the bill pay I set up would meet the requirements of eligibility, and received a response in the affirmative. Having completed the eligibility requirements, I inquired with Citi about when I would receive these points and was told they would not be honoring the offer. I appealed this decision, and then escalated it one more time, each receiving the same form response that I was not eligible for the promotion. There are widespread complaints about Citi also doing this to other people, and I believe it qualifies as deceptive and misleading. I would not have signed up without this promotion.

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 2016-07-25
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account over the phone on XXXX XXXX, 2015. At that time, I asked the Citigold representative to put a promotion offer code I received in mail in the system before he submitted my application. The promotion code is " XXXX ''. With that code and my existing Citi XXXX credit card, the Citigold representative confirmed that I would be receiving XXXX miles for opening this Citigold account as long as I spend at least {$1000.00} with my Citigold debit card and make XXXX consecutive bill payments using the Citigold checking account. 

I then fulfilled the spending and bill payment requirements using this account. After that, I contacted Citigold customer service again on XXXX XXXX to check when I would be getting XXXX XXXX miles. The representative checked the details of my account and told me all of the requirements had been met and the promotion XXXX would be deposited to my XXXX account no later than 90 days. She also confirmed my XXXX XXXX account number. With the confirmation, I was expecting that the XXXX XXXX will be available in my XXXX account by the end of XXXX. 

However, I still have n't received anything for the promotion offer so far. I contacted Citigold customer service at the end of XXXX and they said they would set up a case for me to investigate the issue. So the case was set up on XXXX XXXX and they told the case would be resolved by XXXX XXXX. But I have n't received any response from Citi since then. 

This is totally not acceptable and I 'm very disappointed with Citi. Therefore, I 'm submitting a complaint here to request Citi to give me the XXXX XXXX, as said by the mail offer originally.

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: CNG FINANCIAL CORPORATION
State: PA
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:
i am demanding the following account to be deleted from my consumer report due to inaccurate reporting which has cause damage to my credit score the date opened the date last active does not match and that's a violation of the fair credit reporting act 15 usc 1681s-2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
After open a business account for a new business, I applied for a CitiBusiness AAdvantage Platinum Select World Master Card. 
This application was rejected, I called Citi and the representative did a manual revision of the application and was rejected for a second time, she told me that I will receive a letter explaining the reason why the credit card was denied. 
For my surprise the reason was : THE CREDIT REPORT SHOW DEROGATORY PAYMENT HISTORY After read this I was very worry, because I been very responsable with my finances. 
I called CitiCards ( XXXX ) they told me that the decision was made based on XXXX and they recommend me to call them. I did and a rep from XXXX told me that they dont have any information on file about this business and send me an email with this explanation ( of course this is a new business ) Due to the application was made based on my personal credit history I decided to call the Bureau of Credit and they send me my personal credit report that dont show any late payment or derogaroty payment history as they said. 
Base on the Equal Credit Opportunity Act ( prohibits creditors from discrimination ) I consider that I was a victim of a discrimination by Citi and in order to support your decision CitiBank used FALSE INFORMATION that is not contained on my business or personal Credits Reports. 
Im sending for your review XXXX Copy of the letter sent by CitiBank XXXX 
2- Copy of the email sent by XXXX 3- Copy of my personal credit report. 
I strongly request an investigation in order to know what kind of information Citi used to conclude " Derogatory payment history '' Im not complaining about their decision. My concern is the FALSE INFORMATION they used to conclude that.

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 2016-07-12
Company: CITIBANK, N.A.
State: NY
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:
On XXXX XXXX, 2016, I mailed USPS certified letters to the credit bureaus XXXX I want to know who verified these accounts? A full investigation was not completed in regards to these accounts, XXXX & XXXX & XXXX XXXX XXXX. The following companies never sent original creditors documentation on file to verify information is correct and accurate. I stated please do n't respond to my request by saying these accounts have been verified by the information provide. I did not give these companies permission to publish unverified information on my credit file. I have the right to demand the following listed accounts be legally verified or remove inaccurate credit 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 2020-12-16
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
1. Tried to request an online refund within 10 days of a previous online refund. Website verbiage misleading, making customer believe that ( s ) he can call customer service to request a refund. 
2. Called citi government credit card services. Entered XXXX digit credit card number and last XXXX of SSN via touch-tone keypad to validate my identity. Once I forwarded to a customer service representative, required to provide XXXX credit card number and last XXXX of SSN verbally over the phone. ( a ) Inefficient - wastes customer 's time & ( b ) security concern - XXXX digit card number and last XXXX of SSN must be passed verbally over phone to customer service rep. I made this call from my workplace & co-workers to my left and right could have copied my information. Completely unsatisfactory. 
3. Customer feedback? Asked my customer service representative to take-down the XXXX concerns outlined above ( XXXX ). Customer service rep did not have a means to collect customer concerns. Asked for her supervisor. Supervisor did not know of a means to collect customer concerns. Sent back to customer service rep to " copy down '' my concerns. If a multi-billion dollar company does not have a means to collect customer comments, it is highly doubtful a customer concern will be heard by management, much less reviewed or implemented. Additionally, Government website does not provide a link to provide feedback : XXXX classic=2Found this online customer feedback link after a google search. Recommend providing a link on the government credit card online banking website to collect, review, and implement constructive customer feedback. 
This XXXX phone call and this survey only solidifies my 20-year loyalty to XXXX and XXXX. After today, I will be reticent to use citi for any of my banking or mortgage needs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 XXXXXXXX, 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-24
Company: CITIBANK, N.A.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citibank closed my account because of " suspicious activity '' which was me going to a XXXX XXXX store to make copies and scan documents. I had to call and go over hoops in order to have my account reopened. They asked me for extended verification information even though I had done absolutely nothing wrong. Furthermore, whenever I deposit a check now to my account they intentionall add excessive delays in order to process the checks. Citibank is engaging in a pattern of harassment and unfair business practices. In addition, Citibank has taken over {$500.00} in overdrafted fees from my account just this year XXXX 2015 ). Citibank is illegally retaliating against me with their harassment and unfair business practices because I have previously filed complaints against them with the CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
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: Investigation took more than 30 days

Complaint:
I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: FMS Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After reviewing my XXXX credit report I was very concerned to realize that I had negative items listed that are all medical debt from the same company FMS Inc with the original debtor showing XXXX. I immediately contacted XXXX and was told they did not have any services rendered to me with a balance owed ( I am including documentation ) which shows any services I had have a XXXX balance and that had if had any services ( Which I did not ) they would have been fully covered insurance. This leads me to believe either this is a matter of identity theft or someone else 's information reporting to my report. I have struggled to navigate through the muddy water of removing these medical debt inaccuracies on my credit report which continue the negatively impact my overall credit. I have never received any communication from FMS Inc stating that I owe the debt nor have they legally validated the debt after several disputes with FMS Inc. as well as XXXX & XXXX I have had continuous medical insurance with my employer since XXXX through XXXX as well as dual coverage from my husband which is a XXXX service member through XXXX. This is also validated through XXXX the original debtor which I am including in documents ( this would leave no reason for an unpaid medical bill ). I have disputed the validity of this debt with XXXX and Fms Inc. multiple times. I do n't know how The credit bureau 's or FMS Inc could accurately or fairly verify the accuracy of this debt and still remain within HIPPA laws. XXXX was unable to validate anything was owed which I am attaching Billing info as documentation. I am including my history with XXXX, My Insurance Info and everything else that should allow XXXX the promptly remove these inaccuracies from my report. I feel very violated that I even need to provide my medical history to show that I have not had services unpaid through XXXX. 

All account posted to credit bureau on the same day. on XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} XXXX Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX All account posted to credit bureau on the same day.XXXX FMS XXXX XXXX/XXXX/XXXX {$3900.00} Origianl Debtor XXXX FMS XXXX XXXX/XXXX/XXXX {$2500.00} Origianl Debtor XXXX FMSXXXX XXXX/XXXX/XXXX {$460.00} Origianl Debtor XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
After over six years of timely payments, Citibank has my credit card in default status and has been billing me at an 29.95 % APR during this period.

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 2016-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.

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 2016-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Convenience checks

Complaint:
In XXXX of XXXX I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my BoA balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my BoA balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to BoA. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that BoA is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.

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