BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-08
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 signed up for a Citigold checking account after receiving an offer for XXXX AAdvantage miles if I completed 1 online bill payment in 2 consecutive months and made {$1000.00} in debit card purchases. On XXXX XXXX I sent Citi a secure message using online banking to confirm that I was enrolled. They never responded. I satisfied these requirements in XX/XX/XXXX and was told that it would take up to 90 days for the bonus miles to hit my account. XX/XX/XXXX ( after 90 days ) I still had not received the miles. I have called repeatedly ( probably 4 times ) since then to ask why I have not received my bonus. Each time the agent confirmed that I had satisfied the requirements and told me I would receive the miles soon ( within 2 or 3 business days ). On XXXX XXXX, Citi sent me a letter saying " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I called on XXXX XXXX and told them that if there was no promotion they should have told me that XX/XX/XXXX before I started paying $ 30 monthly fees for the account. ( I have paid {$120.00}, since the first couple months fees are waived. ) The phone agent apologized and assured me that I was eligible for the promotion and that the bonus would be expedited. Today is XXXX XXXX and the miles still have not hit my AA account. On XXXX XXXX they sent me a secure message saying that they still need to investigate : " After further review of your account, I can confirm there is a second request opened on your behalf for the promotion offer. Please be advised that the back office support is currently backed up with the investigations due to the high volume of cases open at this moment. As soon as your case is worked on and resolved, you will be notified via secure email and Citibank Online Message with the outcome of the investigation. '' This is ridiculous given that at least XXXX phone agents have confirmed for me that I have done everything I need to do to receive the bonus.

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 2016-02-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice.

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 2021-06-29
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with NCB MANAGMENT SERVICES plus they did not provide me with the original application like I asked. 

Account No:XXXX  Amount Disputed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Late fee

Complaint:
I am a military member who is mandated to use the CitiBank Government Travel Card GTC. I received a tasking to XXXX from XXXX XXXX to XXXX XXXX, with XXXX trips from XXXX to XXXX XXXX. 

Being on a XXXX, it is common practice to be placed on a " XXXX '' ( see attached policy letter ) for the GTC so that the servicemember can focus on accomplishing the mission and not about billing issues. Additionally, it is a mechanism by which the government was able to provide some relief to the cardholder to provide them adequate time to perform a XXXX mission and address billing discrepancies. Between the several vouchers I filed after the TDY trips, and between payments being applied and transactions posting, I had made what I thought was a payment for the entire balance, which would have brought my account to {$0.00}. 

Unfortunately that had n't been the case. I believe my being in XXXX, in one way or another, affected my ability to receive any notification that my account was past due. No emails were received, no mail was sent to my home address, and no phone calls were ever made to either me or my unit. It was not until late XXXX that I called CitiBank in order to ensure I was authorized charges in a foreign currency so that I could purchase my airfare to my home airport. Lo and behold my card was cancelled, I was assessed XXXX {$29.00} late fees ( in XXXX, XXXX, and XXXX ). Additionally I was informed I was also assessed a {$80.00} " salary offset fee '' in order to have the original balance ( around {$150.00} ) and the assessed fees ( {$160.00} ), bringing the total to approximately {$170.00} ... or about 210 % of the original balance. 

I had contacted CitiBank to advise them of the situation. I informed them that I was XXXX and that I had never been notified, nor had my military chain of command been notified ( a mandatory procedure that either was n't done or was done incorrectly ) about a balance being due, the balance becoming delinquent, and subsequently the card being cancelled. Had I knew there was a balance I would have immediately paid it. Additionally, I advised them I should have been on mission critical status as to suspend payments/delinquency for much of my XXXX and had I been placed on that status I would not have been delinquent. 

CitiBank was unwilling to work with me to correct the issue. I feel they took advantage of a servicemember and did not make a good faith attempt to resolve the breakdown in communication. The GTC program, in my opinion, puts an undue burden of accounting on the servicemember when he or she should really be focused on accomplishing the mission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the 3 time I have sent a complaint over this fraudulent account from THE XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. I have informed the XXXX XXXX collection and the credit bureaus that is has been reported to both XXXX Police and FTC. Now a 3rd time with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: Exeter Finance Corp.
State: WI
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 writing in regards to reporting issues with this closed account on my credit reports. There are serious errors in reporting on each bureau that clearly shows different payment history on each report which has directly affected my credit standing. This has been challenged multiple times and continues to not be updated by the bureaus despite being sent the reports of the inaccuracies. Per the FCRA this is a clear violation in reporting accuracy. I want this account removed immediately from my credit reports due to inaccurate reporting and the decline of my score that has came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 
2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 
3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 
4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 
6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 
7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 
8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. 
a. CapOne ignored the papers and receipts sent previously. 
b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! 
c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. 
d. I 've sent the baclground information to them five or six different times to date. 
9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 
10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 
11. Now the collector is taking me to court and incurred legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
The interest on my card is reflected as part of the minimum payment and again applied as a purchase against my available credit. It appears to me to be double dipping. the interest depletes my payment. Reducing the amount applied against balance. Then again applied against the available purchasing power.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was called on my cell phone four times asking for payment for my Kohl 's charge which was discharged in bankruptcy XX/XX/2015. I had referred them to my attorney, yet I am still receiving phone calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I am filing this complaint against CAPITAL ONE credit card ( account ending XXXX ) for ignoring my complaint about a fraudulent charge of {$470.00} made to my account XX/XX/2015 and made through XXXX. Every time I call CAPITAL ONE and complain, they take off the charge, but with every other statement I am rebilled. They do not send me any details as to where this charge originated or for what item I am being charged {$470.00}. I called CAPITAL ONE during the XXXX week of XXXX and spoke to their agent, who subsequently got XXXX representative on line, who checked their records but could not verify where this charge originated, and hence confirmed that the charge was fraudulent. 

CAPITAL ONE 's representative online assured me that I would be receiving an email regarding this transaction as a fraudulent charge but I have not received any follow up information either by email or ordinary mail. I am now being rebilled without any reason for this charge. I called CAPITAL ONE again on XX/XX/2015 and spoke to their representative who identified himself as XXXX and who took a long time to explore his records but could not help. I was requested to call back again the next day. I am tired of the run around and want CAPITAL ONE to reverse the charge of {$470.00} from my account. I DO NOT RECOGNIZE THIS CHARGE AND I REFUSE TO PAY FOR either XXXX or Capital One 's error. 
Please see my bank statement PDFs

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto agreed to settle a auto loan with me and agreed to have the account removed in settlement and that I would have any late payments reported as long as I fulfilled the agreement which I did but they did n't honor the agreement fully and reported late payments on my credit report with XXXX & XXXX but deleted the account from my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have XXXX credit card accounts with Capitol One Bank for my company XXXX XXXX. I have paid XXXX of my account balances in full for the account ending in XXXX and the account ending in XXXX. Capitol One has official documentation related to my business and yet they have restricted access to both accounts without proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hi, I have a KOHL 'S store credit card the I used onXX/XX/2017 and another statement received was payment due on XX/XX/2017?? I was contacted by Kohl 's that may account is going to be 60 days late and paid {$210.00} which was for all including statement due on XX/XX/2017 Being close to XXXX years old I have been forgetting thinks and all they did was send e mail regarding bill which I thought was spam. A rep from Kohls called in regards to past due account and said if I pay bill I will not be charged a late fee nor will they report me to any of the credit bureaus. I apologized and payed past due explaining that I forgot and asked for wireless billing to be stopped. I then checked my credit report and the did report me to the bureaus bringing my credit score down XXXX points. 
I was in the process of a refi on my mortgage and now I am not eligible unless I want to pay higher fees and interest rates. This is not right what they do to people. Kohls now said it will be on my credit score for 7 years and refused to remove it. I contacted XXXX XXXX and XXXX and the said I have to file a dispute which may take up tp XXXX to 45 days. 
XXXX was closed today due to XXXX XXXX. We are now basicly XXXX by what Kohls has done. Maybe this is something the government needs to look at. It 's no wonder the housing market is the way it is since a simple mistake cost people a chance to advance in home ownership and refi there mortgage to save on monthly payments. 
ALSO WHY IS IT WHEN YOU CALL THESE PLACES THE SEND YOU TO PEOPLE IN THE XXXX THAT YOU CAN NOT UNDERSTAND. 
WHAT HAPPENED TO JOBS FOR THE PEOPLE OF THE UNIITED STATE OF AMERICA. GOVERNMENT SHOULD GO AFTER THESE COMPANIES AND PUT THE MONEY IN THE POCKET OF AMERICANS NOT XXXX. 
Please help us if you can and stop us from being a victim of society.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ERC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX from XXXX Acct # XXXX if trying to collect and debt that was paid on Capital One debt from XXXX was paid through XXXX XXXX XXXX after my dispute was resolved., I have been disputing on my report since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I 'm working with XXXX XXXX XXXX to help with my debt due to financial hardship & I have forwarded this information to Kohl 's but they have been calling me At the wee hours in the morning. Sometimes as early as XXXX. They have called me XXXX times at that hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had an account that went to Capital One ended up with them getting a judgment against me. They are still reporting me as past due with a balance to the major credit bureaus. This is after I have already made a payment to the law firm that is representing them. This account has been satisfied and settled. There is no outstanding balance and no amount is past due. I have emailed the executive office of Capital One and nobody was helpful enough to assist me. There is definitely a gap in communication between Capital One and XXXX XXXX XXXX XXXX the lawfirm representing them XXXX. I am attaching proof of the payment. I have made multiple phone calls, emails and disputes with the major credit bureaus to correct this and to no avail. This is beyond frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have never open up this account at all and I request verification and all i get it a bill statement that not verification that the account is my because if the account was open by someone else there will still be a bill statement

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One improperly reported my payment as 31-60 days late. I made my payment on the 30th day and I paid one month ahead, in addition. The improper report decimated my credit score causing irreversible damages. I requested removal and Capital One instructed me to file a complaint here. The agent refused to examine the calendar, date of actual payment and the latitude for payments that 's fall on weekends. This report reflects a predatory and dangerous lending practice that has virtually ruined my life and plans for the next 7 years. The lender and I disagree over one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Capital One 360 twice on XXXX XXXX, 2016. His sole purpose in making these calls was to insure that a deposit made on XXXX XXXX, 2016 had cleared, and therefore that it was safe for him to rely on those funds. The deposit was an advance from a new job, and XXXX XXXX wanted to be absolutely certain to withdraw the funds. 

For this reason, he called not once, but twice. During each of these calls, representatives from Capital One 360 assured XXXX XXXX that the funds were completely safe and that there was no way that the deposit could be reversed. Based on both of these representations, XXXX XXXX withdrew this money from his account. In fact, the deposit was later reversed, causing XXXX XXXX 's to lose the money that had previously been in his account, and resulting in the closure of his account and a negative balance. 
had a balance of {$1700.00} in his checking account and {$1100.00} in his savings account. On XXXX XXXX he deposited the check for {$3800.00} into his checking account. Then after the assurances from Capital One 360 's agents, withdrew {$3500.00} from the checking account. This left a balance of {$2600.00} in his checking and {$1100.00} in his savings account. On XXXX XXXX, 2016, the deposit was reversed and the balance of {$2600.00} in his checking was seized by Capital One 360. Capital One 360 has frozen XXXX XXXX 's savings account and is attempting to collect an additional {$1100.00}. This amount to a loss of {$3800.00}.

Company response to consumer: Closed with explanation