BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: CITIBANK, N.A.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Hello, In 2008 I went to Best Buy and ended up signing for their " My Best Buy Card '' and " Best Buy Master Card. Recently while taking a closer look to my finances I realized that they had been charging me with something call " Debt Protection ''. I tough that high payments for years were for a high APR. I never signed for that " protection program ''. I called best buy and they transfer me to the bank. They then told me they were going to send a request for my money in both cards. Then, 30 days later I got a letter in which they gave me {$30.00} back. But I had been paying for years at least is a XXXX what I want back. Then I called again asking for proof that I had signed for the program. 30 Days later I got another letter with no proof and they were giving me back {$15.00}. Then I call again and they simply told me that they were going to request again proof but is just simply a fraud. I politely asked to speak with someone who could escalate my claim, but the representative told me thats all they can do is send requests and wait. He told me there is no other department or phone number he can refer me too. This is very frustrating. What can I do? I am a very responsible person, I pay my cards every month on time. I am not XXXX those who want to get out of the deal. I just want what is fair, I am paying for stuff that I bought with high APR because that was the " deal '' and what I signed for, but is very frustrating to see that they take advantage and charge you with fees for something that I never agreed. 
I have been dealing with this for months and no resolution with them. Whats my next step. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-27
Company: Experian Information Solutions Inc.
State: NJ
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:
I AM WANTING TO KNOW THE REASON AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX XXXX XXXX XXXX, IS STILL REFLECTING ON MY CREDIT REPORT WHEN I CLEARLY ATTEMPTED TO GET IT REMOVED SINCE : XX/XX/2019. I HAVE SUPPORTIVE DOCUMENTATION THAT THE ACCOUNT SHOULD NOT BE REPORTING AS A CHARGE-OFF STATUS WHEN I PAID IT IN FULL, THERE IS NO BALANCE WHAT SO EVER. NO ONE HAS DONE ANYTHING ABOUT THIS MATTER AND IT IS CRUCIAL TO GET THIS REMOVED RIGHT AWAY. IT IS HINDERING ALL ASPECTS OF MY LIFE AND NEGATIVELY IMPACTING MY CREDIT SCORES AS WELL.

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 2022-03-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank is currently taking advantage of customers by allowing a monthly service fee to trigger and overdraft fee charge. Banks that need to find predatory ways to gouge money from customers like this should be sued and fined for those practices. XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX no longer do this because they have been sued over it. Even though we're still dealing with the pandemic they haven't adjusted any of their business practices. My concern doesn't just sit with me its the concern there are those whom can be harmed just like me. The error in my situation was the banks fault and they tried to blame me and write off the lack of integrity a bank would need to have to allow their own charges to trigger other charges. I want others to be safe and understand that Citibank 's style of business is predatory and they shouldn't bank with an institution like 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 2015-05-28
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a card with citi closed acct to open a citi rewards acct, had issues when trying to use card got so upset I cancelled and paid off. A XXXX card was opened ( not by me ) and I refuse to pay something not mine. Citi sent me a letter, when I wanted proof of card and charges, telling me it was personal and confidential information. They sent a piece of psper also that was suppose to be an online conversation between me and them that states I have an XXXX ( which I do n't ) and that I was verbal ( which I was n't ) the conversation does n't even have an origination, ( from an email, phone etc ). How can they tell me it is personal and confidential if it concerns me???? I furnished info via mail to credit bureaus XXXX deleted it, XXXX is still investigating, and XXXX said they updated but it is still there and nothing has changed, it is not mine, I want it removed. I have sent XXXX certified letters to citi for proof of debt and I get nothing, I paid anything I owed citi and I want them to remove this XXXX fraudulent account. I ca n't upload anything but whatever you require by mail I will send.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CITIBANK, N.A.
Product: Credit card
Issue: Credit determination

Complaint:
I am a self-employed American citizen who has been living abroad for 26 years. I have owned properties in the XXXX, XXXX and XXXX and have good credit ( took a mortgage for 19 years ). I now plan to move XXXX and pursue my work there. I applied for an XXXX XXXX XXXX/Citibank card but was denied the card because I have no credit history. They also refused to allow my sister ( who has good credit ) to cosign on a card. I tried then to get a simple credit card from XXXX ( where I have maintained a checking account for many years ). They also denied me a credit card. This is simply unacceptable that I am not being given a chance to start my life with simple financial products as a healthy XXXX year old. Because of this bad credit score, it is making it difficult to even take a lease on a property without a guarantor or full payment upfront.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I met the qualifications for Citigold Checking 's Promotion for XXXX XXXX XXXX XXXX ( Promo XXXX ) on XXXX XXXX, 2016. This information was confirmed via letter XXXX sent from Citibank on XXXX XXXX, 2016. In the letter it states " allow 90 days from the date of the qualifying transaction ( s ), which satisfied the terms and conditions, to receive your incentive. '' It has now passed 90 days, and there are still no XXXX XXXX miles deposited into my account. I have called Citigold 's customer service team on various occasions to follow up on this promotion, but unfortunately no compensation for receiving the promotion has been given. While I tried to work with Citigold 's customer service team to resolve this issue, I am now resulting to filing a claim over 100 days after meeting the promotion requirements. Thank you for taking the time to review this request.

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 2016-03-29
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Other fee

Complaint:
I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service, and the representative was unable to explain what this was about, then the call was abruptly terminated. I then used Macy 's online communications form ( which, by the bye, will not accept any message that includes any form of punctuation, including periods ). I said I would not pay this fee, and demanded that they close my account. I received an email acknowledgement of my complaint, but nothing since. A {$2.00} fee for not using their card is beyond outrageous. And they will charge me a {$37.00} late fee if I do n't pay up.

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 2022-02-28
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Chrysler Capital is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of Chrysler Capital. It is my understanding that when one brings accounts current their score replenishes, not the other way around. 

I have requested many times for forgiveness on a late payment during the COVID crisis. 

I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXXXXXX XXXX XXXX. I am now struggling to get a loan for a vehicle of my own that I can afford to drive. Chrysler Capital is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Transunion is reporting inaccurate information.

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 2020-01-21
Company: EQUIFAX, INC.
State: MD
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:
My Ch XXXX was filed in XXXX and paid in full and discharged in XXXX. It shows discharged on Equifax and it has been removed completely from my XXXX and XXXX  reports. It's XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed from my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a master card issued by the Bank of America, that I have been using over 15 years since XX/XX/XXXX. Throughout those many years, I never missed a payment each month while using the card. With a good performance in use and timely payments, the card 's total credit line was quickly increased to {$38000.00} and kept at that level until recently. 

It was just months ago in XX/XX/XXXX that, without an explanation, the Bank of America first time in 15 years reduced my card credit line to {$37000.00}. Then, suddenly last week, the Bank of America, again without any explanation ( not even a notice! ) cut down my credit line to one-seventh down to {$5700.00}. I was shocked to find such a drastic reduction. Furthermore, there was no reason that I could think of or provided by the Bank of America. 

I happened to find that sudden, shocking reduction of my credit line by the Bank of America when I logged on to its website on XX/XX/XXXX for online banking. Upon finding, I called the Bank of America and was told by its representative that the cutdown of my credit line was made as of XX/XX/XXXX. When I demanded a reason or explanation, he had no idea. After making a long pause with the phone line on hold, he came back and told me simply to call TransUnion. That was it. When I asked him whether a letter or notification was ever sent out to me about the matter, he initially said no, then changed to yes. But, later, he admitted that there was no letter or notification sent to me regarding the matter. To date, XX/XX/XXXX, I have not received a letter or any form of communication by the Bank of America regarding its drastic cut-down of my card credit line. 

As suggested by the representative, I reviewed my latest credit report by TransUnion later but found no change, other than the Bank of America 's incorrect reporting on my mortgage payments made to it, which is listed as " adverse account '' as the result. The Bank of America also made incorrect reporting on my monthly payments to its credit card. 

This is an unacceptable business practice and abuse of power by the Bank of America over small customers like me. Its unjustifiable, sudden, drastic cut-down of my card credit line has already caused some damages to me. It also negatively affects my credit scores by credit agencies, which will have negative ripple impacts over time. The Bank of America should be responsible for all the finanical damage and emotional distress it has caused with its unjustifiable, sudden, drastic reduction of my card credit line. 

I can provide any documents related to my statements above.

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 2018-10-02
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has been reporting incorrect dates. This account is past the statute of limitations.

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 2022-03-28
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had an account with these companies, I have never lived at the location they gave the service to, someone opened an account in my name at those locations and then never paid. I've been trying to remove it for 4 years now. When I last talked to the companies and told them this debt is not mine they told me I still needed to pay it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for citi gold checking account with XXXX promotion offer ( with offer code : XXXX ) in XXXX XXXX. I met all the requirements as per terms in XXXX, XXXX. I got confirmation both before and after application ( before : via phone in XXXX, after : via online chat ) that after I met all requirements and XXXX would post in 90 days ( in XXXX XXXX XXXX. However, the XXXX bonus XXXX did n't post after 90 days, and citi refused to honor the promotional offer when I contacted them back in XXXX XXXX. Worse still, the service fees that incurred during the 3-month waiting time was {$90.00} before I contacted them to downgrade my account. Citi, a bank that I once trusted and liked, not only failed to keep their promises, but also tricked me for the {$90.00} loss. I would like to have this issue resolved, or I would reconsider my business with this bank and let my friends and colleagues aware of this unpleasant and intolerable experience. PS : I did n't record the phone call, nor screenshot the online chat because I never thought this would be a problem. But I do believe that Citi can check out both the phone records and the online chat history on their discretion if neccessary.

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 2022-08-31
Company: Nelnet, Inc.
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and DELETE from erroneous reporting in my file are listed on my credit report : DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX-Late/Closed-XXXX  DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX, DEPT OF ED/NELNET XXXX Balance XXXX {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Bread Financial Holdings, Inc.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have 2 different store credit cards with same bank, Comenity Capital Bank. For both store credit cards, every month when I log on to make a payment, their online sites will not allow me into my accounts. It locks me out of my account. It also will not let me pay my whole balance off. I have screenshots of this. This company harrasses me with non stop phone calls all day!! I just want to pay off my balance and close the accounts. I have no problems with any of my other credit card companies or store credit cards. This bank is beyond shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-03-23
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I XXXX XXXX  XXXX XXXX am filing my complaint against New Rez /Shellpoint Mortgage Servicing I have been dealing with dishonesty and forced insurance on my loan which I know is not in compliance. They increased my mortgage payment to {$2000.00} due to they duplicated the payment to the insurance to make me go into escrow shortage. Now they continue to charge me the incorrect amount because they feel I need to wait and continue to pay for their erroneous mistake that has caused me an escrow shortage that should not be. They have made no attempt to contact me at ( XXXX ) XXXX no have they resolved this matter accordingly. Adding to this that they are out of compliance as they forced their insurance on my loan causing me to pay out of pocket {$2200.00}. They said they paid to me but did not I appreciate your immediate attention on my complaint as I am being over charged and ripped off by New Rez LLC /Shellpoint Mortgage Servicing.

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation