BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: WA
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:
TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I recently purchased my XXXX home. This is all new for me since I had to work hard to build credit. I was informed that It would be convenient to have my home owners insurance included in my escrow payment. I had insurance through XXXX, and canceled it for this reason. I assumed the policy was the same coverages. No one from either JP Mortgage, Chase Bank reps, or the insurance company explained the policy to me, or what coverages were. No one even. Called me. Our house recently burnt down. It has been almost 3 weeks, and the insurance has just contacted me with settlement to repair house ; not rebuild. They even want to place new counter tops on the burnt cupboards. The insurance rep went on vacation prior to finishing my claim. While my family and I suffered, and scrambled to find somewhere to live. JP Mortgage has yet to contact me. We have had no financial suport, or help with a place to live, clothing, or food. My husband is very I 'll, and lost all his medications in the fire. He had to cancel a XXXX. Attached are pictures of the burnt house, and the others are what we had to resort to live in. WE LOST EVERYTHING. I feel that nothing was explained to me, and I was misrepresented. For this my family and I have suffered. There are rats where we have to live. No kitchen. Filthy conditions. Now our house is not going to be rebuilt, nor are our personal belonging replaced. Please review pics. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-31
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
None of the catogories listed fit my issue, but I am haveing difficulty in getting J. P. Morgan Chase/insurance claims department to release my insurance settlement funds needed to complete the repairs on my home from fire damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have a high interest rate FHA loan on a double wide, which is now attached to a permanent foundation and has no DMV title anymore. I was told that my lender chase had to work with me on a Streamline FHA Refinance so I could get a lower interest rate, but they are refusing because was a double wide at one point. I have no options as I am upside quite a bit owing about {$100000.00} and the property value is far less than that so I ca n't do a traditional refinance, but I am getting XXXX by the payments and just want a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid the XXXX up front then when we get into XXXX facility at XXXX XXXX XXXX. The nurses offered us free flu shots. Everything was OK but later we receive the bill charged us {$1500.00}, XXXX free flu shot turned into XXXX different shots that we never received then the charge from another lady who was in hospital facility at XXXX XXXX, because she has the same name with my wife but different account number. I went down to member service show to them to complaint they recognize the errors but could not fix.!!! Later almost 2 year I receive my XXXX health insurance payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Financial Data Systems
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Financial Data Systems is listing an account on my XXXX credit report stating I owe them money from XX/XX/2010. 

This debt does n't exist. I do n't owe the Dr. office any money they are " supposed '' to be collecting for. They are trying to collect on a debt that does n't exist. 

Also the Statute of Limitations in South Carolina for open and written contracts is 3 years. This non existent debt is pass the statute of limitations. Plus it does n't exist in the first place. 

Financial Data Systems is in of violation the Fair Debt Collection Practices Act and in violation of the Fair Credit Reporting Act for actively trying to collect on a debt that does n't exist and actively trying to collect on a debt that is pass the Statute of Limitations. And for knowingly and willfully listing inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi on the phone on XX/XX/XXXX and the representative confirmed that I had met the requirements and that I would receive the points by XX/XX/XXXX ( within 90 days ). However, I have not yet received the points and Citi is claiming that I am not qualified for the promotion. They are delaying and rejecting my requests which is costing me additional monthly fees for the 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 2015-10-12
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Payoff process

Complaint:
I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I thought I was doing a personnel favor for my CEO. I was sent a spoof e-mail in my companies mail box. I was defrauded on XX/XX/2016 for an amount of {$55000.00} US. I can send the corresponding XXXX e-mail along with correspondences with Detective XXXX XXXX of the XXXX Police Department XXXX ( XXXX ). 
Money WIRE was sent to Citi Bank, XXXX XXXX XXXX XXXX., XXXX, CALIFORNIA, UNITED STATES, XXXX, BANK ID 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 2015-07-27
Company: CITIBANK, N.A.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
XXXX XXXX, 2015 I went into the Citibank location in XXXX XXXX XXXX, FL to wire {$3700.00} to XXXX XXXX bank in XXXX XXXX XXXX. I spoke with XXXX XXXX to complete the transaction and he also spoke with the Branch manager in XXXX to verify the account information for the wire and the XXXX Branch Manager told him to send the funds in US currency to the account. I have attached the documentation for the wire. I called XXXX XXXX in XXXX 2 days later and the wire had not been received. I called Citibank wire dept. and I was told they would open a case to trace the funds the case # XXXX. I called Citibank back and they told me they do n't see my money! Thy have escalated this case at least XXXX times and they still ca n't see or find my money. The Wire dept. at XXXX XXXX says they do not have the money and Citibank says they are waiting for the money from XXXX, who again says, they do not have the money. At this point, it 's 2 months later and Citibank has not returned my money and said they do n't know where my money is. Every time I call I 'm told the case will be escalated and still they do not know where my money is. I worked very hard for my money and this was a transfer to a lawyer for family land that I am in jeopardy of losing because of the incompetence of Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
We paid a closed Home Depot credit card instead of our active Home Depot card. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in 2011. And now Citibank has a debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors XXXX XXXX XXXX XXXX stop the application for wage execution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi Checking account online. Afterwards, I have so much trouble to set up the online access. After several hours of calling and spending on the phone, I finally gained access to my checking account. Citi disclosed that it has encountered technical problems which lasted almost two weeks. 

However, when I tried to link the my Citi Checking account to my another bank account, Citi bank asked several questions trying to verifying my identity. The questions are all pertinent to my XXXX children. I have not been in contact with them for almost twenty years and I have no idea when they are. Because I cant ' answer the questions pertaining to my children, I was denied the link to my other bank account. 
The questions chosen by Citi Bank are arbitrary and capricious.

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 2016-10-10
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a CITI Bank Diamond Preferred Card. There are two different instances were I was charged a late fee that was not suppose to be charged and CITI reported both of them to the Credit Bureau. Which Negitavly effected my credit score. Dropping it from a XXXX to a XXXX. I have reached out to CITI multiple times and after waiting 2 weeks was just informed they would not remove them. Both instances were a mess up on their part not mine. The first in XX/XX/2016 and the wrong banking account was charged. They charged a bank that was no longer active. Failed to inform me until 2 weeks after the fact when they called and asked for my payment. Then XX/XX/2016 they charged the correct account, but did it the wrong way and the funds were returned. Causing yet another late payment and issue. I was never informed this would be reported to the credit bureau. It should not have been. Neither payment was more than 30 days late. I followed all the steps, corrected the problems as soon as I was notified about them and with no help from CITI. They claim everything was valid. All I want is for these XXXX mishaps to be removed from my credit report. I am trying to buy my first home and this is greatly hurting 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 explanation
Consumer complaint received 2020-12-14
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I check my credit report regularly - On XX/XX/2020, my mortgage loan with SLS is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted SLS to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted SLS and they said they were unable to assist me because their system shows my account as current.

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 2015-05-31
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We refinanced our XXXX XXXX home with XXXX XXXX ( XXXX XXXX ) in XXXX, and shortly thereafter CitiMortgage apparently bought the loan. In XX/XX/XXXX, we attempted to get a HAMP mod and after paying XXXX payments, were rejected, after we complied with every request. CMI harassed us, ruined our credit, and as my wife and I did not agree about paying the balloon to becoming current again, we separated. 

CitiMortgage has admitted to many wrongdoings and paid XXXX of dollars in fines, but they have also been horrible to us, and completely gotten away with it, and we are fighting for justice, to repair our lives, stay in our homes, and help others do the same. 

In XX/XX/XXXX we fixed our marriage, stopped paying again, and filed suit in XXXX XXXX XXXX. After four years of fighting and paying our attorney over {$25000.00}, and approaching trial, CMI has agreed ( over email ) to a settlement. We do not like the terms, but as our attorney is extremely ill, and we do n't have the money to go to trial, we feel it may be our best option. However, CMI is now dragging their feet, and we are stressed and annoyed. 

We feel that the CFPB might be interested to know more, and potentially help us seal the deal, possibly with better terms. 

Thanks, XXXX and XXXX XXXX XXXX XXXX, XXXX XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-08
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a complaint.

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 2016-08-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I tried to add my son on my home depot card as an authorized user. The customer service department sent me to the fraud department I said no problem. Had the card for almost 3 years and it is paid off, no activity but i guess i sounded XXXX on the phone. they told me to go to the store and show my identification and bring XXXX forms of ID. I said OK, I went to the store and confirmed everything. They put me on hold they then said thats not good enough, we need you to fax a copy of your ID and Social Security card and a utility bill. More harassment. Being harassed on an account that has been open over 2 years with no actual fraud. Fraud is the code word for discrimination.

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 2016-07-25
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I purchased XXXX item on XXXX/XXXX/2016 using my BEST BUY credit card which is managed by CITIBANK. I do n't use the card that often so it 's not a bill I get on a regular basis. About a month after my transaction, I realized that I had not received a statement. I went online and found out that I had been switched to paperless billing against my knowledge. The bill was due that day so I used my bank 's online bill pay to pay the balance in full. I contacted CITIBANK and told them that they never sent me the bill and that I had paid the balance in full. Another month went by and I did not receive a statement. Since I only get statements when I have a balance I assumed everything was fine. An email was sent a few days later stating that I needed to pay my bill. I checked my account online and saw that I had been charged a late fee. I contacted CITIBANK and contested the late fee and told them again that they were in error. I thought the issue had been resolved. A week ago, I checked my account online and CITIBANK never took the late fee off and they charged me another late fee for not paying the first erroneous late fee! They have charged me XXXX late fees for XXXX transaction that they never billed me for! The bill was electronically paid in full the day that it was due. This has been going on now for three months. They have started calling me multiple times to pay these late fees. 
CITIBANK : 1. Switched my billing preference to paperless against my knowledge or consent. 
2. Never sent me a bill ( three months later and still no bill ) 3. Even though I paid the bill in full when I realized their error, they still charged a late fee. 
4. Charged an additional late fee for not paying the first late fee. 
5. Harassing me every day to pay these bogus late fees. 
I have excellent credit. I pay my bills on time and work very hard. I am sick and tired of companies taking advantage of people. I believe that CITIBANK intentionally switched me to paperless against my knowledge. I will not pay these fees! My balance should be zero on this card.

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 2015-09-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I made a payment of {$100.00} on my credit card. I had a promo balance of {$4600.00} with 0 % interest. I made a purchase for {$25.00} on XXXX. I made XXXX payment that should have covered the balances of the the {$25.00} charge. Payment dates were XXXX for {$25.00} and XXXX for {$100.00}. I minimum payment was {$67.00} that month. I was charged a minimum interest fee of {$.00} on a balance of {$.00}. I think that charge is unfair and they refuse to refund me the {$.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank 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 explanation
Consumer complaint received 2017-01-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I created a checking account with Citibank under the promotion that you would receive XXXX american airlines miles. I completed the requirements for the promotion and even confirmed that I had completed the promotion with one of their representatives. They told me I had to keep the account open for 90 additional days, accruing more account fees, and then by XX/XX/XXXX the miles would be deposited into my account. XX/XX/XXXX is now over and Citi is now saying that I am not eligible for that 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