BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Got a XXXX XXXX card in XX/XX/XXXX. Capital one closed my account in XXXX because they learned I had XXXX XXXX despite my great credit. Said it was a business decision which makes no sense because they exist to extend credit to credit worthy customers. They even said it didn't have to do with my creditworthiness. I moved on. They owed me {$25.00} when the account closed in rewards points. Finally they cut me a check for that amount in late XX/XX/XXXX. Check # XXXX. I deposit the check. That check bounces and my bank charges me {$10.00} because their check bounced. I demand the same amount plus {$10.00} I lost to the bank through no fault of my own. They won't do it. Said they'll issue another check for the original amount. I'm scared to cash another check from them. Not sure I'd get the money and possibly just lose another {$10.00} to the bank because capital one can't cover a {$25.00} check. It is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Late fee

Complaint:
Approximately a year ago, around XX/XX/XXXX or XX/XX/XXXX, I called Citi Cards to set up an automatic payment plan to have them automatically take out payments from my bake account. They told me that I could not because my account was closed. I also requested they send me paper statements via mail so that I can monitor my account, since they do n't allow closed accounts to access their accounts online. I was told me payments would be {$60.00} a month, so that is the amount I set up to payments with my bank to send them. I would call from time to time to check on the status of my account, but would not ever be able to speak to the correct person and would be transferred from person to person. I would get hung up on and put on hold for hours at a time. I was told in XXXX XX/XX/XXXX, they only received a payment for {$20.00} dollars. Which I am unsure how it was only that much as I am pretty certain I never adjusted the amount with my bank. When this happened they started charging me late fees. I never knew anything was wrong with my account and that I was accumulating late fees as I have still never received a single statement nor did they call to inform there was a problem with my account. And as previously mentioned, every time I tried to contact a person to confirm their record of my balance matched my projected amount I was unable to make appropriate contact. They refuse to adjust my balance to the appropriate amount and continue to transfer me around and hang up on me. If I had the means to properly manage my account I would have been able to properly pay a single late fee and be able to keep my account at the proper balance. This whole process has caused me to accumulate almost an additional {$1000.00}.

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 2016-04-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX CONTINUES TO AGGRESIVLY COLLECT ON THE DEBT THAT I DO NOT OWE. HARASMENTS, THREATS OR ARREST AND INAPPROPRIATE LANGUAGE ARE BEING USED, AND CALLS MADE TO ME AFTER WORK HOURS. EVEN AFTER SENDING THEM A COPY OF MY CREDIT REPORT SHOWING NON EXISTANCE OF CITI ACCOUNT ON MY REPORT AND SERVING THEM WITH CEASE AND DESIST NOTICE THEY CONTINUE TO IGNORE MY EFFORTS AND AGGRESSIVELY COLLECT ON THESE ACCOUNTS WITHOUT VALIDATION OF THESE ACCOUNTS.

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 2015-05-18
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XX/XX/2021 a Navy Federal Credit Union representative would not process my domestic wire transfer to my Daughter for her upcoming Hawaii vacation. The initial representative that I gave all of my information to, said she would place me on hold & gather paperwork to proceed with my wire transfer. She transferred me instead to a Supervisor who stated that I never transferred money to my Daughter. I told them that this was my 5th or 6th time doing it. The supervisor didn't believe that I have processed a wire in the past. After a third degree 30 min conversation the wire was finally processed. This is the worst customer service I have ever experienced with Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Agency reported a collection on my credit report without notifying me in any way whatsoever of this action. The debt is not mine. 

Other companies have contacted me regarding this debt in the past and have claimed it went delinquent in XXXX, which is past the statute of limitations in my state. Midwest Recovery Systems, who is attempting to collect this debt now, claims it first went delinquent in XXXX of XXXX which is a misrepresentation of what has been claimed by other agencies in the past. 

The company has claimed that it is completely legal to place a collection on my credit report without notifying me or allowing me an opportunity to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 'm receiving collection notices from XXXX XXXX XXXX XXXX, for debt for a Macy 's account which was fully paid. The debt appears to be late fees and interest charges, not charges purchases. I tried to resolve the issue with Macy 's over a year ago but they transferred the account to a collection agency and I 've been receiving notices despite several attempts to clear 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 explanation
Consumer complaint received 2017-01-13
Company: CITIBANK, N.A.
State: SD
Product: Credit card
Issue: APR or interest rate

Complaint:
When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS EXPLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Best Buy Credit card ending in XXXX I had closed the account due to reoccurring fraud. ( 6 times ) someone went into several best buy store and looked up my credit account and made large purchases without a physical card. Now I have charges on an account ending in XXXX which was reissued after my this fraud claim even though I told Citi Bank that I wanted the account closed. Citi Bank who is the Best Buy Credit Card issuer told me those accounts were closed but some how someone made another purchase. Seems like this is a Citi Bank Issue. Now I have a balance due {$1600.00} which Citi wants me to make payments on even though non of the balance is mine. I have called them multiple times and its like talking to a tree.

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 2021-07-01
Company: Atlanticus Services Corporation
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Had a collection notice from midwest recovery services appear on my credit report for a payday loan front XXXX for {$770.00}. After checking with them I was told there was a loan deposited into an old bank account in XX/XX/XXXX however I contacted the bank and that account was closed in XX/XX/XXXX and I filed bankruptcy in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Macy 's credit card permits my card to be charged monthly for some " credit protection '' subscription service I never authorized. I have contacted the card issuer by email on numerous occasions to notify them that this is an erroneous charge but they allege they are powerless to stop this charge or to remove it. They direct me to a phone number, at which I have never been able to reach a person to get the charges removed or ceased. Since this number fluctuates in proportion to my present balance, it appears that this is a form of undisclosed interest on my purchase amounts. This is absolutely unscrupulous.

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 2016-02-02
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I XXXX XXXX XXXX in sound mind legal attorney legal XXXX acc # at citibank route # and account with address XXXX XXXX XXXX XXXX and account with old address XXXX XXXX XXXX XXXX XXXX XXXX citi bank never placed my XXXX acount in my XXXX XXXX acount and never reseved my statement forward to me with a XXXX dollar shopping spree from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Aspen National Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were late on a membership fee to our timeshare with XXXX XXXX but have since paid what was due to XXXX. An outside collection company called Aspen National Collections which we have no business affiliation with, keeps harassing us for some fee they trumped up of {$53.00} for their services. We do not know who this company is and have advised them multiple times to stop calling us. They continue to harass.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: SC
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: Their investigation did not fix an error on your report

Complaint:
XXXX is still reporting to my credit as a chargeoff. However the payment was settled on XX/XX/XXXX and I received a letter on XX/XX/XXXX that they would request for the tradeline to be deleted from all credit reporting agencies. However it's still be reported and does not reflect the payment. I've submitted several disputes to credit reporting agency but the it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My wife has a XXXX XXXX XXXX sky miles credit card, her name is XXXX XXXX XXXX I was just an additional non responsible member, when I pulled my report I saw that they are reporting me like 6 times for the same card, I immediately requested they should take me of from this card completely, when I made them aware that they are listing me six times XXXX card limit and all maximized and its effecting my credit very badly they advised me it was a mistake on their end they will make sure to take it completely, they will just have me listed as XXXX time additional when in fact they left all the XXXX cards listen on my report and just saying that I was terminated. 
Thank you very much for you help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out a private student loan with Citibank in XXXX in the amount of {$6400.00} to pay a balance owed on my student account. The loan was split into XXXX disbursements of {$1700.00}, {$1700.00} and {$3000.00}, each with their own loan fees totaling {$640.00}. The interest rate for {$3400.00} was 7.50 % and the other {$3000.00} was 8.00 % ( which increased this month to 7.75 % and 8.25 % respectively ) although my initial understanding of the one percentage rate. I XXXX in XXXX XXXX and I began repaying this loan in XXXX XXXX. Since then, I 've made monthly payments which at this point total {$4500.00} yet Citibank is claiming that I still have a balance of {$6500.00}. I have not any luck in getting Citibank to provide clarity as to how may payments are applied and how I 've managed to pay {$3300.00} in interest but only {$1100.00} in XXXX months nor how I owe {$6500.00} on a {$6400.00} loan.

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 2016-07-26
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX, Citimortgage coerced a voluntary judgment from me for a XXXX mortgage on a home I possessed while I was still negotiating terms for loss mitigation with the XXXX lien holder. This action took place during a mediation with a mediator selected from a list they provided. I fell behind on payments as I lost my job of nearly 10 years in XXXX XXXX. I was still unemployed at the time they had me sign the voluntary judgment even though I repeatedly told them I did not want to sign it. The XXXX lienholder subsequently foreclosed in XXXX XXXX. Citi, through their third party attorneys, XXXX and XXXX, sought to have me file a notice of exemptions in XXXX XXXX based on this voluntary judgment, and I was served with this paperwork in XXXX XXXX. I responded timely with a motion to open and dismiss the judgment but my argument then was insufficient. I now see, based on the XXXX filings and now an improperly issued notice from the sheriff threatening to take my personal property if I did not respond by a date certain ( came regular US mail ), that Citi and their attorney have dealt with me unfairly, fraudulently and illegally, particularly in light of the XXXX XXXX, XXXX Consent Order to Cease and Desist foreclosure activity against borrowers with pending proceedings from XXXX XXXX, XXXX through XXXX XXXX, XXXX, and the subsequent Consent Judgment of XXXX XXXX which afforded balanced remedies and/or restitution to borrowers in this category including XXXX. I was a qualified borrower. However, I was never notified by Citi or its attorneys of the Consent Order, Consent Judgment or any potential rights or remedies I may have had under them. I believe they deliberately rushed to get the voluntary judgment against me in XXXX in order to exclude me, and they did, in fact, exclude me from being a borrower under the Consent Judgment even though I did qualify. I have suffered irreparable financial harm from CitiMortgage and its third party attorney, XXXX and XXXX by their not following the Consent Order to Cease and Desist action against me and then by excluding me from the Consent Judgment where the balance on the XXXX mortgage may have been resolved under XXXX and/or other provisions, and then by their continuing to pursue the full balance of the mortgage plus accrued interest, for which they also did not properly document the ownership of the debt.

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 2015-11-11
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX my company gave a check to a tenant as a refund for the deposit that he did when rented the apartment to the company. He cash the check sending a picture to his bank on XXXX and my bank ( Citibank ) paid the check. He sent again the check picture on XXXX and it was paid again by my bank he sent again the same check on XXXX and it was paid again on XXXX was paid again. On XXXX was paid again. On XXXX was paid again. On XXXX he altered the number of the check but only on the top right side, not at the bottom and it was paid again. On XXXX he presented again the check and was paid by the last time. In total the same check of {$950.00} was paid 8 times by the bank. 
I think Citibank fail in their responsibility of checking that : the check number was paid before and the check number was repeated, XXXX times the check number was altered and the check were expired and paid after 6 month of the date in the check. After presenting a complaint in Citibank when i discovered all of this when I was preparing the report to pay taxes al XX/XX/XXXX, they oficially didnt answer up to now but the manager of the office in XXXX say that after 30 days they are nor responsibles of what they did and that they will not refund me my money and wont prosecute to the person that did it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Due to a hurricane, my account was placed on a 3 month forbearance and at the end I made a payment for all 3 months. Franklin American Mortgage has told me since my account would be removed from loss mitigation, but whenever I sign on I am directed to late payment/modification options. I have called the company 4-5 times, and the most recent representative stated the request for my account to be removed was not submitted on any of the other calls. I am unable to make my payments online as the account is practically blocked from handling any business. I have to call the lender, be read the disclosure for fair debt collections and speak to the loss mitigation department before I can make a payment. My account is not nor has it ever been past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: CO
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 have sent Equifax Letters regarding reporting " derogatory " on a paid account XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. They have not responded not corrected this. This is a violation of my FCRA rights. 
There are two accounts XXXX  and XXXX. attached are all documents showing proof

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I tried to by property the lender pulled up FICO score but the score does not show their report. Without the FICO score lender can not process the loan XX/XX/2021 So I want to fix FICO score I have all the reports from company There is no problem on the on the report but only there is no score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation