BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I am a stamp collector, and in XX/XX/XXXX I purchased what were described as XXXX very rare stamps from a dealer in XXXX, that were also described to be of the highest quality. Upon receiving the stamps in XX/XX/XXXX, I submitted them to the XXXX XXXX XXXX XXXX XXXX XXXX for an expert opinion to confirm they were genuine and as described by the dealer. In XX/XX/XXXX the XXXX issued their opinions, both of the stamps were actually different, much more common varieties, and both were re-gummed, so worth maybe {$400.00} instead of {$1200.00}. I then emailed the merchant and repeatedly asked for a refund since the stamps were not as described, and he did n't answer any of my emails, leading me to believe he knew very well what he sold were not the rare varieties he described. Because I charged the stamps on my Citibank Master Card, I went to the Citibank web site to try and dispute the charge. When I went to the Citibank dispute e-form, when I selected " merchandise not as describe '', it asked me to specify the date when the merchandise was returned. I called Citibank, and was told they would not accept a dispute for " merchandise not as describe '' until the merchandise in dispute had been returned to the merchant, so I went to the post office and sent the stamps back by registered mail, and then entered the dispute in the Citibank web site. Sometime later, I received a letter from Citibank saying my dispute was declined, because too much time had passed between the charge and filing the dispute ( which was due to the long time it takes for the XXXX to issue a certificate ). Of course I was very upset, I called Citibank and said why did n't they tell me that before they told me to send the stamps back? Now the merchant not only has my {$1200.00}, but he received the stamps back to sell to someone else, and I could have sold them to mitigate my loss. I think it 's unfair for Citibank to insist on merchandise being returned before they consider a dispute. XXXX is much better, they will resolve a dispute and then if the Buyer prevails, he/she has XXXX days to return the merchandise to the Seller. This should be the general policy for all banks, do n't enrich merchants who are crooks by forcing a buyer to return items before the dispute is resolved in the buyer 's favor. 

** FYI : The above is simplified for ease of understanding, the purchase actually involved XXXX stamps and XXXX seperate charges to my credit card, the XXXX other charges were in XX/XX/XXXX, and XXXX were reversed by Citibank as they were within the time window. The XX/XX/XXXX charge was the one not reversed, which is the one I am upset about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Berlin-Wheeler, Inc. (Kansas)
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had my purse stolen which had all my information in it and can't do anything about it. But now I have all this debt thanks to this horrible thing accruing and I don't know what else I can do to get this false collection debt off my credit score. It's really ruining my life.

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 2021-09-01
Company: Midwest Fidelity Services, LLC
State: PA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had a previous account with XXXX XXXX from XX/XX/2013 on which the statue of limitations has exceeded the time frame .I have Received several harassing calls from Midwest fidelity debit collection company XXXX. I spoke with a rep there and ask them shouldnt they have notified the consumer when purchasing a debit with 5 business days they stated yes .I also told them I never received a debit validation letter. They continually to harass me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing statement

Complaint:
I received several late fees, and realized without my consent or knowledge Macy 's changed my last name on both of my credit card account ending in # XXXX & # XXXX, which prevented me from receiving timely statement. Although I made payments on both accounts for due date XXXX XXXX, XXXX, Macy 's is showing both accounts past due demanding I pay an addition {$37.00} on each account or will report the accounts late with the credit bureaus. In addition Macy 's is demanding a higher payment amount for next cycle billing based on their internal errors which created a problem with accurate reporting of information to the credit bureaus. This erogenous error has impacted my credit score and reporting with the XXXX credit bureaus and to date Macy 's is refusing to acknowledge the mistake, provided written documentation of who authorized the name change and why this information was changed. I had these account since XXXX, and the account has been under the name XXXX XXXX XXXX, on or around XXXX XXXX, Macy 's without my knowledge or consent change the name on the account to XXXX XXXX XXXX, Macy 's is refusing to correct their error within their system and with the credit report bureaus. This was done intentionally as retaliation for several complaints I filed with CFPB in regards to Macy 's illegal practices with manipulating the consumer credit scores and increasing the consumers line of credit during the holiday season to increase sale.

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 2016-05-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Balance transfer

Complaint:
Was a customer of 10 years and apparently they tried to send me a letter about a policy change and they sent it to an out dated address. Today when I called about a new Best Buy ( Citigroup ) credit card for the account I am still making payments on. I am told that the account is closed. They never tried to call me and inquire about the mail be returned. Currently I have to go into a Best Buy location and make a payment because I can not pay online. They said I can apply for another credit card but they will be unable to merge the account so I am still unable to pay online on the old account. However I can pay the new account online.

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 2016-02-19
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is no longer reporting the payment arrangement that I have had for over a year with them to my credit report with any of the credit reporting agencies. I have been paying {$250.00} per month for over a year to XXXX through the debt collector they have hired Financial Asset Management Systems. XXXX is no longer reporting the payment arrangement anymore to any of the credit reporting agencies as they had been doing even though I have been paying {$250.00} per month under the 0.001 % payment arrangement for over a year and to which XXXX had agreed to report on my credit report. I have all the documentation that shows that I have been paying Financial Asset Management Systems {$250.00} per month for over a year. There is no reason why XXXX should no longer be reporting the payment arrangement to the credit reporting agencies as I have been paying their debt collector under the payment arrangement for over a year and I have the documentation to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit report reflects a history of payments per agreement for ALL debts except for Macy 's. In 2007 I opened a Macy 's account, and at Macy 's recommendation, also opened separate accounts for jewelry and furniture purchases. Over the subsequent year or XXXX Macy 's consistently mis-applied my payments on these accounts, resulting in delinquencies on some and positive balances on others. I tried sending XXXX payment, then XXXX separate payments, but nothing resolved the problem.I had to call Macy 's every month to re-allocate the payments. I finally closed all accounts because of the frustration and because I knew that this would hurt my credit, which it has.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
They say I am over my credit limit by {$240.00} but my balance is {$700.00} under my credit limit. I called customer service to enquire why this is and the first rep said she would look into it and then put me on hold for 14 minutes before disconnecting me. I called back and spoke to a XXXX who put me through to a supervisor. I explained to him I was on hold and then disconnected and he apologized and offered to look into my problem. He then put me on hold for 33 minutes before disconnecting me. Finally on the third call a supervisor was able to tell me in 30 seconds there was a hold on my card for a reservation I made. This should not have taken me an hour to find out.

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 2021-07-02
Company: Square Inc
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I noticed that funds were transferred from my XXXX Account to my Cash App-Square Account-XXXX XXXX. These two transfers occurred very close together time wise. I was able to disable the car that was linked to this account. At the time this appeared to be the route to mitigate any possible damages that may occur with unauthorized use of such accounts. On XXXX XXXX I spent nearly 4 hours making phone calls, sending emails, and researching some way to contact the party to whom it is necessary to speak with when such activities are occurring. Some time during this extended time trying to contact said organization, the card was un-disabled. 

It was my hopes in such a frantic attempt to directly communicate with such appropriate persons -- TO MITIGATE ANY AND ALL POSSIBLE LIABILITY associated with this incident. I also attempted to contact appropriate persons via the aforemematioend ways during the following 8 days. I WAS NEVER ABLE TO SPEAK WITH OR DIRECTLY COMMUNICATE WITH ANY SUCH PERSONS. The only option that was avail was to submit issue via the transaction log via the app. No confirmation email was given at such time. I was never followed up with. The case auto closed in 3 days. The resulting funds that were transferred into this account were used through a series of unauthorized transactions that occurred over the next few days. Such authorized transactions have been attached to this complaint. 

Said organization have violated ( but certainly not limited to ) Regulation e andf z of the Electronic Fund Transfer Act and the Truth in Lending Act, respectively. The aforementioned provides a process for such occurances, These processes are such that such institutions MUST FOLLOW them, or otherwise be in violation. Not only did said institutions not follow such processes they did not even give such reasonable access to such processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold Checking Account with a promotion for XXXX AAdvantage Miles after spending {$1000.00} on the debit card and completing 2 bill pays in 2 consecutive months. The promotion code was XXXX. 
I called Citigold Customer Support and confirmed that I was eligible for the promotion before opening the account, and then after opening the account I confirmed that my account was eligible for the promotion. After completing the requirements, I contacted Citigold through a secure chat and confirmed that I had completed the requirements and that the miles would be posting to my account. After approximately a month, I contact Citi again to ask when the miles would post. They placed an inquiry request on my account to look into it, and I was then notified that my account was not targeted and I would not be receiving the promised miles. Because I confirmed multiple times, and have a transcript of the secure chat in which I was told I was eligible and did complete the requirements, I believe Citi should honor the promotion they promised.

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 2016-10-21
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.

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 2016-07-09
Company: CITIBANK, N.A.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Constant phone calls when the account rolls past due. My payment is due on the XXXX of the month and I occasionally need to make the payment late due to the fact that I am paid on a bi-weekly basis. 

Recently, my account rolled past due, but I scheduled a payment that would be withdrawn from my bank account on XXXX XXXX, 2016. This payment was scheduled on Thursday, XXXX XXXX, 2016. 

Despite the fact that I scheduled a payment, the phone calls persisted. Between XXXX XXXX, 2016 and XXXX XXXX, 2016 I received a total of ( 17 ) calls from Citi regarding the account. I did n't answer most of these calls as they called while I was either at work or driving my vehicle. 

The phone calls are OUT OF CONTROL. There is no need for them to call me this many times, especially given the fact that a payment was scheduled. This is n't an isolated incident as this has happened to me every time my account has rolled past due. 

I would like to see this matter investigated as I ca n't be the only person who has this issue with Citi Student Loans.

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 2016-07-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Rewards

Complaint:
We opened a Citi AAdvantage Mastercard XX/XX/XXXX. In order to earn an account opening bonus of XXXX XXXX XXXX AAdvantage miles we were required to spend {$1500.00} in the first 90 days. After not seeing the account opening bonus post to her AAdvantage account, my wife contacted Citi via chat on XXXX/XXXX/XXXX to verify we met the terms of the promotion. Citi stated the promotion was actually {$3000.00} in 90 days but that we had indeed met the terms of the promotion, despite the mis-understanding and that the bonus miles would post soon. After a further 60 days the miles still did not post to her AAdvantage account. I then contacted Citi via chat on XXXX/XXXX/XXXX and was again told that the bonus miles were indeed earned and would be posted to the AAdvantage account shortly. After additional time had past without the bonus miles posting I contact Citi yet again and was only then told we had not met the terms of the promotion and no miles would be awarded. Despite multiple confirmations that we had met the terms, we suddenly had not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had an XXXX XXXX XXXX card. Somehow XXXX took over the card and my XXXX XXXX got transferred to them ever since XXXX I 've had issues logging on late fees and overlimit fees accrued and I cant seem to catch up on the card I called on XXXX/XXXX/2016 to ask for assistance since the payment never seems to go down and Im having financial difficulties since I got a big pay decrease at work. All they could offer was for me to just pay the minimum and keep accruing the late and over limit fee. They have no assistance in helping repay a card I do n't even want. I never had any issues with my XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank checking account in association with a XXXX ThankYou point bonus promotion. When I opened the account, I confirmed that the promotion code was linked to my account through secure messaging. When I completed the requirements of the offer, again, I confirmed that I completed the requirements and was eligible for the offer. I waited the amount of time they told me, and when that time elapsed, I inquired again about the posting of the XXXX point bonus to my account. At that time, they said I was ineligible and denied me 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 non-monetary relief
Consumer complaint received 2015-08-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I want to file a formal complaint against " My Best Buy Credit Card ''. Today when I received my mail I opened it and I saw " Interest Charge '' for the amount of {$210.00}, then I called their Customer Service Department to try to remove that Interest Charge because I 'm not or was not aware of such " Interest Charge '' I spoke with a lady name XXXX.I asked her to give me some type of Identification as her Employee Id or Last name She said she ca n't provide to me, she says she is part of a Management Team from Tennessee her team Id is # XXXX. This lady instead to assist me she tried toCharge {$300.00} for the balance to paid on full so she could remove the " interest charge : I said to her I never was aware of this Interest Charge of any previous purchases Idone All the time when I buy with this credit card I got free interest until balance is paidoff, So since she did n't want to assist me to remove this interest charge I told her I wouldformally put a complaint against their Credit Card For " Switch and Bait '' with the CFPB Now I see the illegal way to try to charge me extra amount of money without me notice it .Please assist me to resolve this issue I 'm reporting at this time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-02
Company: Experian Information Solutions 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 wrote the three credit bureaus, Experian, XXXX and XXXX. I sent my disputes certified mail. None of these companies have responded.

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 2021-07-01
Company: General Motors Financial Company, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
GM financial is in violation pursuant to 15 usc 1692a Debt Collections. On XX/XX/2021 I mailed in a validation of Debt letter pursuant to 15 usc 1692g which was never answered.on XXXX I sent by certified mail with a return slip, my affidavit of facts, Debt Validation, Cease of desist, invoice, Exhibit A showing the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has put a almost {$8000.00} debt on my credit and I was never notified about owing the hospital anything this has caused my credit score to be affected really badly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation