BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-24
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
The first statement I received from Home Depot covered a 16 day period commencing XXXX XXXX ( date opened and made first and only purchase ) and ending XXXX XXXX,2015 was received by me on about XXXX XXXX, 2015. Upon review of the terms, particularly the very high interest rate of 17..99 % I chose to immediately discontinue use of the credit card and notified Home Depot to close the account. So rather than paying the installment amount of {$25.00} I paid the full outstanding balance. This payment was received by Home Depot on XXXX XXXX,2015 representing payment in full. The following month I received a statement showing the payment in full and a late penalty charge of XXXX. 

I believe this charge is unfair and abusive. It appears to be justified by the fact that an installment payment {$25.00} was not paid by the due date of XXXX XXXX,2015, about 10 days after receipt of the first statement on the account. 

When I received my first statement I assumed, based on applicable regulations, I would have the normal XXXX weeks to make a payment before late charges could be assessed. And further since the statement revealed an excessively high interest rate I needed time to obtain funds to pay the account balance off immediately. Having made payment in full within 10 days of the receipt of the statement I believe the first late fee and interest charges are unfair and abusive, .and should be reversed. Multiple late fees charged as a result of unpaid first late fee charge are clearly unfair and should be reversed together with late delinquent interest charges

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: Home Point Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced the mortgage with XXXX XXXX. 

They initially placed my mortgage loan to the servicer calledXXXX XXXX XXXXXXXX XXXX. 

My mortgage was then later bought by XXXX XXXX and my loan servicer became Home Point Financial. There was one mortgage payment I made on XX/XX/XXXX to XXXX  XXXX XXXX. My mortgage was then fully transferred to the Home Point Financial on XX/XX/XXXX. 

I could not see the payment I made with XXXX XXXXXXXX XXXX reflected with the Home Point financial. I contacted XXXX XXXXXXXX XXXX via phone call yesterday, XX/XX/XXXX. They Said my loan information was sent to the Home Point financial. I contacted the Home Point via phone call. The representative told me to send an email to their inbox with the payment history. I sent them the attachment as requested. I got the response today telling me to contact the previous servicer. 

I feel like there is nothing I can do when I contact both loan servicers. This is very stressful for me to locate the payment while both loan servicers are pushing me to other side.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 okay we got scammed for {$150.00} from a person who was supposedly renting in home through XXXX  we found out this person is a scammer we send them {$150.00} for application fee he accepted the money when I got to speak to him to ask him that I need it paperwork to send it to the section XXXX so they could finish the process he asked me for {$1400.00} which at that moment I told him that I was not able to send him any more money until I get paperwork he hung up the phone on me that's when I knew something was wrong I reported it immediately I tried calling him back the phone was disconnected then my son tried calling him he picked up and he also tried to scam my son not knowing that that was my son he tried to also offer the same house and try for my son to send {$150.00} also I have all the information and I have proof and documentation of us trying to ask the man to give us our money back and he's declining to send our money back I reported it to the FTC and now I'm reporting it to you guys I reported it to Chase and Chase does not want to give our money back can someone please help us we need our money back I am going to the police department to make a police report also my phone number is XXXX my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been receiving constant calls from this company and have told the agency before that when I am available to take care of this matter, I will. They have called me several times while at work and I have advised them that I am currently at work and to please call back later. The lady on the phone XXXX ' was extremely rude to me. I told her I am currently at work to please call later and she responds " Yeah whatever, you always say that '' and hung up in my face. I then called Fidelity Creditors back and asked to speak to a manager who then also started to mock me because of my complaint about the previous agent who called and was rude. He was like " Oh what bothered you so much? The fact that she called at XXXX? '' when I clearly explained to him what bothered me. The practices of this company is completely unprofessional and should be addressed as using these kinds of tactics to collect a debt only makes people hate these collection agencies even more.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am very angry. I applied for and received a Citibank Best Buy card because I knew that I was going to be making a large purchase and was drawn in by the 10 % offer on my first purchase with that card. I made the $ XXXX purchase on XX/XX/2021, XXXX # XXXX, but was only given 5 % off. I thought that was just a website glitch, so I went ahead and placed the order, but when I called in, I was told that the XXXX products I bought were not included in that offer. 

I went back and looked at the Terms and Conditions with the card and there was NOTHING said about exclusions! Nor is there anything to click elsewhere on the website in order to see any restrictions on the 10 % off. How dare they make that offer then just decide not to honor it on certain items without telling the customer! 

I have wanted to support brick and mortar stores, but not if they are going to cheat 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 2021-06-30
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I attempted to have the reporting bureau verify the debt on XX/XX/XXXX. I attempted to have the furnisher validate the debt on XX/XX/XXXX. Neither parties have provided any type of verification/validation of this debt. 

I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TSC Accounts Receivable Solutions
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was treated for XXXX in XX/XX/XXXX and my insurance ( XXXX ) was accepted by the doctor. I paid my co-payments for a total of XXXX-XXXX XXXX visits. 

Some time later there was a dispute between the doctor 's practice and XXXX and apparently the insurance company refused to pay the entire amount. 

The doctor 's office billed me for the difference of {$980.00}. I do not feel that I should not be obligated to pay if the insurance company did not feel the bills were warranted. 

Later, a collection agency ( TSC Accounts Receivable Solutions ) began sending me bills which I continue to disagree with on principle. I formally disputed the claim in XX/XX/XXXX. 

I was recently denied for a credit card application despite the fact that the rest of my credit is pristine. XXXX now shows this bill XXXX and therefore XXXX black marks on an otherwise perfect report. 

I called TSC A/R this morning and requested that they remedy this error. I even offered {$200.00} as a good faith gesture even though this dispute was between XXXX and the Doctor 's practice. 

My perfect credit is important to me, and I need help in setting the record straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CITIBANK, N.A.
State: ID
Product: Credit card
Issue: Billing disputes

Complaint:
Ever since XXXX XXXX has joined with the collection agency they have, I have mailed requests, at their instruction to have them stop calling me. I have clearly stated what my circumstances are, asked them for a payment change date and they call beginning at XXXX XXXX and continuing sometimes until almost XXXX, INCLUDING XXXX and XXXX, multiple times a day, sometimes as many as 5 times a day. They are relentless in calling, the representatives are rude and do not complete the tasks they say they will. I have never been treated so poorly in all of my years as a consumer. The online statement varies from what they ask for on the phone. I had the account set up to automatically deduct the minimum payment amount and it took nearly 3 times the amount causing overdraft fees of nearly {$200.00} fees. I have spent no less than 80 hours of my life trying to rectify this matter only to be further frustrated to this date.

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 2016-03-21
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was trying to get pre approved for a mortgage and saw a collection from CBNA in the amount of XXXX with no description of what is was in reference to and I 'd never seen this before and was never contacted in the past to settle this debt. The only contact info was PO Box and claim #

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 2021-07-01
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: Was not notified of investigation status or results

Complaint:
Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the Equifax breach. I am being sabotaged and abused by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a mattress at Macy 's in XXXX XXXX, CA on XXXX XXXX, 2016. The mattress was too firm and we called the salesman on XXXX XXXX, 2016 and requested an exchange to a less firm mattress. The salesman, XXXX XXXX XXXX, told us the cost to exchange was {$220.00} and charged our account over the phone. When we received the bill in the mail today, XXXX XXXX, 2016, the charge was well over {$400.00}. We agreed to the price difference of {$220.00} verbally and the charge was for a far greater amount. We have been mislead and deceived.

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 2015-04-30
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for Citi XXXX with XXXX month 0 % promotional APR and charged on the card on XX/XX/XXXX. On the statement with due date XXXX, it stated the promotion would end in XXXX billing periods. Originally I planned to pay off the full balance by XXXX. However, I forgot about it when I made payment on XX/XX/XXXX and there was remaining balance on the account, and only realized when I received the statement with over {$100.00} interest charge, calculated with the regular interest rate of 18.99 %. To prevent further interest charge, I paid the full balance by the due date. Out of my surprise, I received yet another interest charge close to {$100.00}. After calling the customer service, I was told if there was any balance, it required paying the full balance for XXXX months to prevent any further interest charge. 
Afterwards I read carefully on the statements, and realized that when the balance was not paid off on XX/XX/XXXX, Citi started to accrue the interest, not from XX/XX/XXXX, but from previous due date of XX/XX/XXXX. This calculation may be correct if the interest rate of previous month was already 18.99 %. But in this case, the interest rate of previous month should still be the promotional rate of 0.0 %. So Citi actually collected XXXX more month of interest. 
Citi may argue the promotional rate already ended even earlier. That is exactly the trick they play. Unlike other credit card companies that specifically states the date the promotional rate ends, Citi ambiguously states the rate ends in a certain billing period, with no specific date given. So Citi may argue the promotional rate ends at beginning of the billing period, rather than end of the billing period as we customers would assume. 
For people to prevent from making the same mistake, I recommend applying for cards that states clearly when the promotional period starts and ends, and avoid credit cards vaguely describe how interest charge is calculated, so that you will not be surprised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for credit from Best Buy, to get their credit card which would entitle me to rewards and discounts. They approved me for reduced credit based upon what they said was my credit score ( XXXX ). Knowing this was a low score and my recent score was much higher I both pulled my score from all XXXX major reporting bureaus and wrote to them sending a full copy of my recent report which showed a minimum of XXXX points higher from the bureau they cited and over XXXX from another, and requested reconsideration. They said to call them. When I did they lied and said they never report a score to the consumer ( see their letter which contradicts this ), misrepresented their report and refused to correct their error. This refusal has cost me the cost of obtaining the report and will cost me both rewards and reduced interest rates on future purchases from this business. I understand this is their typical credit approval tactic and they consistently deny full credit, no matter how creditworthy an applicant may be. They also refused to provide a facsimile number so I could provide additional information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.

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 2016-11-06
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing statement

Complaint:
I have requested and itemized statement from Sears ( Citicorp ) several times from the starting of the account to the present. We still have not received an itemized statement. We want to determine why the balance is so high. Every rep. we have contacted at Sears has given us a different answer from they can not send us an itemized statement to they are sending one out. As stated above we still have not received on.

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 2016-11-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I carried a balance on my credit card from XXXX month to the next. Then when I paid the card in full the following month by the due date my card statement showed that interest had accrued on my account. The company said it was the interest accrued between when the statement was printed and when my money was received.

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 2015-04-06
Company: Solidus Group LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Citibank NA in conjunction with Best Buy stopped forwarding credit card statements and further disallowed me from accessing my account online. They state that my account has been closed for nonpayment but ratger than forwarding copies of my credit card statements, they have reissued me a card with Visa as opposed to MasterCard thus adding a tradeline on my credit report for an account that was already considered closed by them. They have done this without notifying me, the account holder, without issuing me a new card and completely refused to allow me online access to set up payments or review any credit card statements. I have been in touch with their Customer Service Department on more than XXXX occasion regarding this and, essentially, have been explained there is nothing they can or would be willing to do to remedy this situation, further delaying any payment they might receieve from me and, to their advantage, adding more interest and fees. 
I have also received various phone calls and messages from people claiming to be representing this financial institution and asking for personal bank account information over the telephone. As my mobile device has been hacked on more than XXXX occasion, and I am no longer receiving preferred, requested communications from them, there is a huge privacy concern regarding their method of operations for this purpose.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation