BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-02
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
i filled a dispute with Citibank regarding a purchase of {$66.00}. This was not authorized by me and I have told this to Citibank numerous times. This charge was during a trip to XXXX and the hotel charged me the {$66.00} for something I did not authorize. Citibank has refused to credit back the account saying that the hotel provided receipts. These receipts were all in XXXX and XXXX currency, I did not see why the charge for {$66.00} was on my account. Citibank denied my claim. This is unfair because I was not responsible for this transaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I am complaining against Experian for reporting negative information on my credit report, when they have all the necessary information between XXXX XXXX XXXX XXXX credit card accounts no owned by their debt buyers, XXXX XXXX and the XXXX XXXX XXXX XXXX to aid and assist them in collection activities - when they know what happened ... cut-off procedures increased the revenue XXXX debt buyers and increased my liabilities in the process. The debt buyers have no signed agreement from me and also have no documents. Experian tries to get me to submit my documents, when they stand to profit from a bogus and biased collection, with a conflict of interest.

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 2016-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In XXXX, I sold my business to my other partner and told XXXX in XXXX, TX to remove me from the account. At that time I had no more access to online statements to that account and I received no more paper statements. So I assumed that I was removed off. However, in XXXX that account was in overdrawn and somehow my name and social was still tied to this account. The address is a place that I have never lived. In my 6 years with the bank I was never past due or in default. They had keep the account open because of my business partner was also on this account. It should have now been completely in his name which the obviously did not fix. I was never contacted to rectify this situation and it was just thrown on MY credit report. They refuse to fix or take any responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citibank put through an unauthorized charge on my account six months after I have dealings with a merchant on another matter. They have refused to provide any documentation regarding authorization of the charge. Meaning, they say they have no documentation and tney say the merchant has no documention, and they neither they nor the merchant are required to provide any documentation. The only documentation they have is documented correspondence from me and phone calls that they charge was fraudulent and not authorized and not paid for six months. They do n't know who decided to pay them but they said it does n't make a difference. They do n't have to do anything or supply me with any copies of anything authorizing the payment. They are very sweet and apologetic and said they will correct it. But the the office of the president got involved and said they do n't have to do anything. It 's been back and forth and back and forth, and in almost a year now they have nothing other than my instruction not to pay anything to the merchant because the bills had already been paid by another credit card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I signed up for a citi simplicity card, was approved, and requested a balance transfer from my XXXX XXXX private student XXXX loan for {$3100.00} on XXXX, 2016. It was shown as approved by Citibank on XXXX XXXX, 2016. However, it was not reflected on my XXXX XXXX Account. I called citi multiple times and reached out online beginning XXXX XXXX to dispute the charge and have not heard back regarding the resolution. I am currently paying double since I have the balance transfer to citi as well as the XXXX XXXX loan. I tried signing up for this to avoid paying a 12.75 % interest rate and instead I am still paying that PLUS paying down a balance transfer -citi has doubled my debt and has not resolved my issue. They also promised a call back from a manager during business days, but instead called on a Sunday left no message and sent an email saying " they tried multiple times to reach me with no response. '' this is causing me financial hardships as i try to juggle these bills and pay for childcare for my son along with additional federal student loan payments that I continue to make monthly. the customer service at citi is atrocious, i ca n't get a straight answer, and I 've been disputing this charge since XXXX XXXX which puts me at XXXX XXXX with no resolution. I am now out XXXX ( inclusive of the balance transfer fee they 've charged me ) and I 'm paying this amount to citi for a balance transfer they never fulfilled.

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 2016-10-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Sale of account

Complaint:
I had a Best Buy card from XX/XX/XXXX, that was owned by XXXX XXXX with debt protection at the time, always paid it no problem, until XX/XX/XXXX, when I had a back injury and started receiving XXXX and filed the debt insurance claim. No problems, Best Buy accepted my claim. Now Best Buy sold their card to Citi Bank and I am being sued for the amount by XXXX XXXX, I guess owned by Citi Bank. Obviously an oversight on someone 's behalf, not mine. I paid the debt insurance filed the claim, and now am being sued. Please help

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

Complaint:
Citibank is reporting inaccurate and outright false information to the credit reporting agencies. In XXXX 2015 Citibank started reporting a new account number, ****************, on my credit report. I disputed the account with the credit reporting agencies and Citibank verified it with the credit bureaus as being mine. I then initiated a direct dispute under FCRA 623 ( a ) ( 8 ) ( D ) with Citibank telling it that that account has never been issued to me and asking it to investigate the suspicious account since it has confirmed with the credit bureaus that it was mine. This was beginning of XXXX 2015. On XXXX XXXX, 2015, Citibank sent me a letter ignoring my request to investigate account XXXX and telling me that " we received your request to update credit information on your credit bureau report '' In the same letter Citibank continues saying : " Our records indicate that the information appearing on your credit report is correct. If you wish to add a brief statement of explanation to your file, you may contact the consumer reporting agencies to whom we report your account information. This will become part of your credit record, which they retain. " ( letter attached ) To me, after reading the statement above, it felt like Citibank was trying to mock and embarrass me. 
How can a negative account that 's never been issued to me become part of my credit record? 
On the same XXXX XXXX, 2015 I overnighted Citibank my response telling it that I stand by my FCRA 623 ( a ) ( 8 ) ( D ) request in regard to account XXXX and that I was expecting completion of the investigation within the time frame specified by law. In that letter I again asked Citibank to provide proof that XXXX XXXX : XXXX was issued to me in a form of an account statement bearing the said account number with my name and address. In that letter I informed Citibank that if by XXXX XXXX, 2015 I do not receive proof that account XXXX was actually mine, I will escalate the issue with the competent authorities. ( letter attached ) I honestly do n't understand why Citibank has decided to insert that account number on my credit file and is stubbornly insisting that it 's my credit card account number with Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-05
Company: FIDELITY CAPITAL HOLDINGS, 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 is not mine

Complaint:
Fidelity Creditor Services out of XXXX Ca., has erroneously charged a debt to me stemming from a rental agreement which a relative signed and I did not. I advised them of this. However, instead of taking me out of that claim, they filed with the XXXX XXXX Superior Court a complaint against me for nearly {$5000.00}. The debt shows on my credit score and it has negatively impacted my score and my financial reputation as I have in the last 12 months refinanced my home and am about to do so again. As a result of their tactics, my FICO score went from XXXX to XXXX. This has made lenders unable to provide me with lower loan rates thus negatively financially impacting me.In addition, they have provided details about my debt to third parties without my authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: WELLS FARGO & COMPANY
State: CA
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: Problem with personal statement of dispute

Complaint:
MY COMPLAINT IS WITH XXXX REPORTING. MY REPORT HAS BEEN FILLED WITH INACCURACIES THAT I HAVE BEEN ADDRESSING SINCE XX/XX/XXXX. MORE RECENTLY XX/XX/XXXX. I AM A XXXX VETERAN AND LOOKING TO BUY A HOME FOR ME AND MY FAMILY. I HAVEN'T BEEN ABLE TO OBTAIN HOME LOAN BECAUSE OF ALL THE MISINFORMATION THAT IS LEFT TO MIS REPRESENT WHO I AM AS A RESPONSIBLE LIVE PERSON IN SOCIETY. IM AWARE OF MY RIGHTS, AND ID LIKE EXPERIAN TO BE ADDRESS ES OF THE ERRORS THEY CONTINUE TO FALSELY REPORT

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 2016-12-24
Company: Aspen Yo LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
GREGORY FUNDING & the prior Finance Company are charging late fees that they created because they are selling my mortgage. Also, GREGORY FUNDING & the prior Finance Company are taking my money and they are not applying to my mortgage. They are using and charging for other charges that I did not approve. I also asked to GERGORY FUNDING and prior Finance Company to send my mortgage to a trustable Bank ( XXXX ) and they do not want transfer my mortgage because they want to continue robing my money. I am not agree to continue working with robbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Other

Complaint:
Home Depot intimidates its customers by threatening to lower their credit limit and/or close their credit card accounts if they do not purchase HD items on their HD credit card. Prior to my credit limit being lowered, HD had sent at least one mailing ( maybe two ) that said I needed to buy something using my HD credit card if I did n't want my credit lowered or my card cancelled. I did what the mailing ( s ) said, paid on time, never went anywhere near credit limit -- yet HD cut my credit limit in half. 

Home Depot unfairly lowered my credit limit from {$5000.00} to {$2500.00} ( via CBNA, XXXX. XXXX XXXX XXXX XXXX, SD XXXX ) and reported that action to the credit bureaus, which in turn lowered my credit score from XXXX on XXXX XXXX, 2016, to XXXX on XXXX XXXX, 2016. Having less available credit has continued to lower my credit score anytime I use my credit cards, because credit scores are based on credit used versus credit available.

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 2015-11-13
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Billing statement

Complaint:
I have a The Home Depot Card credit account with Citi. In the last 12 months or more, I 've had at least XXXX or more promotional 0 % financing deals expire, costing me $ $ in interest, even though I 've paid Citi more than enough money to completely pay off the promotional amount. The C.A.R.D. act allows them to do this because the lender is allowed to apply minimum payments how ever they see fit until the last 60 days before promotional expiration. It would be better for the consumer if the consumer could simply instruct the lender how to apply the FULL payment, instead of just what is in excess of the minimum payment. What is the significance of the minimum payment being included in the law anyway? And lastly, my statements sometimes CLEARLY show how my payment is applied. Other times, my statements actually do NOT clearly show how my payment is applied. For example : sometimes the statement shows that my full payment ( minimum amount, plus any excess payment ) is applied to my current interest bearing balance, and nothing is applied to my promotional balance. But SOMETIMES, my statement does not show the allocation of my payment. Instead, my balance simply goes down some. But I have to do the math myself ( add payments and credits back to my current balance, then subtract any new purchases or interest charges, and then compare that amount to my current balance on last month 's statement ), to see how my balance is effected by my payment. I though that the C.A.R.D rules were supposed to protect users from statement confusion & hidden charges. I believe that clearly showing how all payments are applied on each and every statement would be a pretty obvious way to avoid confusion. Lastly, the personnel at Citi were happy to tell me how they controlled my payment allocation in most situations. XXXX interrupted me, raising their voices, repeating explanations, or worse, explaining that they had already explained. XXXX stated that he works in the Tennessee service center for Citi. I assume that XXXX does, as well. I could actually HEAR the smile in their voices, but XXXX went so far as to giggle. If they record calls, and the company wants to know how NOT to treat clients, they should review the call.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 was looking through my XXXX XXXX account I have noticed there is some fraud and stuff i never authorized such as XXXX  XXXX XXXX XX/XX/2019, XXXX XX/XX/2019 on transunion. This is all inaccurate information. 


Also on XXXX  I am being hit with hard pulls that you I never authorized. This is also fraud on the following pulls XXXX XX/XX/2019 & 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 2016-06-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After opening a credit card with Citibank, I began receiving marketing materials via mail for checking and savings accounts. One of these marketing letters stated that I could receive XXXX XXXX XXXX miles for opening a checking account, if I fulfilled a specific criteria relating to purchases and bill payments. I opened a CitiGold checking account under one of the promotions. I researched this account in full online, and one concern was that Citi had a bad track record of honoring the promotion offers that they were using to recruit customers. After opening the account, I called to speak with Customer Service to ensure that they the account does have the promotion on there and that I am good to go. They confirmed this. Fast forward 4 months. I have completed all of the criteria for meeting the promotion bonus, yet I did n't receive the bonus miles in my account. After speaking with Citi, they claimed that the account was never opened under a promotion. I filed a complaint, to which they have responded twice with the same copy & pasted letter. Despite my attempts to direct them to listen to the call where their employee confirmed that I did in fact have this promotion on my account, they refuse to honor the promotion bonus. I feel tricked into switching my checking account to them under the promise of a bonus, and now they are refusing to honor this.

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 2016-05-27
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
See attached statement. Citigold failed to honor the terms of its XXXX XXXX promotional offer as they were provided to me when I opened my Citigold Interest Checking Account. Without explanation or justification, Citigold deliberately deleted an e-communication from my e-communications center less than 8 days after it was posted to my account, even though e-communications are supposed to be available in my e-communications center for 12 months. The deleted e-communication confirms that my account does qualify for the bonus miles offered under the promotion and states that Citigold will post my bonus miles after I provide my XXXX number. I have provided my XXXX number on several occasions and have written confirmation from Citigold that my XXXX number has been linked to my account. I am accusing Citigold of fraud. I maintained my account and paid account maintenance fees based on Citigold 's written representations ( 1 ) that my account was enrolled in the offer, ( 2 ) that I completed all offer requirements XX/XX/2016, ( 3 ) that my bonus miles would be credited to my XXXX XXXX AAdvantage account within 90 days after the end of the statement period in which all offer requirements were completed ( i.e., 90 days after XXXX XXXX, 2016, which is XXXX XXXX, 2016 XXXX. I would otherwise have closed my account. My bonus miles still have not been credited and Citi has now stated in writing that they can not guarantee that my miles will post by XXXX XXXX, 2016 ( which is direct conflict with the written terms of the offer that were provided to me ). Citi is forcing me either to pay additional account maintenance fees as I wait for my miles to post or to close my account to avoid the fees ( and thereby forgo the bonus miles ).

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 2016-06-06
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was transferred from XXXX XXXX XXXX to Citimortgage. During the transfer, my XX/XX/XXXX payment was added to my escrow account and Citimortgage had no record of my payment. When I made XX/XX/XXXX 's payment, I was informed of this and I confirmed that I indeed made my payment to Nation Star. Two phone calls later, the misapplication of the monies was found, and I was assured that it would be applied to the payment without an impact to my credit score within 72 hours. Seven phone calls later spanning 32 days, I received a letter indicating that my account was delinquent and they have reported me to a credit bureau. While Citimortgage now confirms that the payment is applied correctly and my account is up to date, my husband ( a XXXX vet ) and I are being punished for their error with incorrect information being reported to the credit bureaus. The fact that their lack of action or sense of urgency on their part has impacted our credit and they continue to negatively impact me due to their error is inexcusable. This has caused undue stress on both me and my husband. I want Citimortgage to provide me confirmation that my credit report will be updated in writing and provide the CFPB proof of what their process is in these matters so that someone else does not have this impact.

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 2017-03-07
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Rushmore Loan Management, Rushmore Loan Management Services LLC Customer Service Department XXXX, CA XXXX ( http : //www.rushmorelm.com/ ) requested a set of documents prior to my submitting a modification request by the request date : XX/XX/2017. I submitted all required documents, of which included a Quit Claim Deed that I had to pay {$1600.00} for in XXXX County and a statement that included the dissolving of my relationship with my domestic partner whom I never married legally. I submitted both. After the deadline, they informed me that I could not qualify for a modification due to failure to submit all required documents : a legal separation agreement, of which I could not have due to never being married and a promise to post {$27000.00} K to suspend the sale date on the property. They clearly lied about what I was required to submit and waited until after the deadline to change what was initially requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this charge on numerous occasions. They have continued to contact me and my family and friends. This was an account that was opened under my social, without my knowledge. Collection is still showing on my credit history.

Company response to consumer: Closed with explanation