BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Late fee

Complaint:
Received yesterday in the mail XXXX separate statements for my Macys American Express card that I have held since XX/XX/XXXX. I have autopay setup for this card and have been making regular payments on it but I was completely unaware that when you make an IN STORE purchase at Macys with this same Amex card with the Macys logo your purchases get charged to a separate credit account with separate billing, credit terms and due dates. Until yesterday I had never received this separate statement for a {$32.00} purchase made XX/XX/XXXX. The late fees that they are charging me are $ XXXX/month for 3 months and after several phone calls they are unwilling to waive. I am good customer and have in good faith been making payments on my MACYs Amex card which I assumed was where my in store purchase was charged to. I feel that by separating the " In Store '' vs " Out of Store '' on to XXXX XXXX separate credit accounts is deceptive and misleading. I never meant to not make a payment for my XX/XX/XXXX in store purchase I thought I was paying properly on my XXXX card account. Customer service is claiming that since the separate Macys statements did not get returned to them in the mail that I received them and should be aware of the XXXX separate bills. I rarely use this card this was probably my first in store purchase in over a year but I have been a good customer since XX/XX/XXXX and feel very wronged and that Macys was very unsympathetic and unwilling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Please I need help. I do not know what more to do with this creditor. I have sent numerous letters to them, also to all XXXX credit firms asking for a VALID DATED SIGNED PROOF that this account belongs to me. Since last year I found this on my credit report. So since XXXX of 2015 I have been asking them for a copy of a signed contract by me and dated. all they do is send me only once a little letter stating " yes this account is yours '' that 's it. I go back to them again and again telling them enough is enough, send me the valid proof of my signature dated of when they opened this account. NOTHING! I am tired of spending countless hours - paper, money on this. My last line of defense are you guys, please help me. Ask them to send me a copy of the " SO CALLED CONTRACT SIGNED BY ME '' who I did not authorize this account. And if they say I did where is my signature opening this account???? NOW!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: CITIBANK, N.A.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage has transferred my mortgage servicing but has failed to provide sufficient notice as to what company will be servicing my mortgage. CitiMortgage has also been talking to someone claiming to be me who is not 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 2016-05-07
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold bank account with the promotion code XXXX. The signup bonus ( XXXX ThankYou points ) was to be provided within 3 months of meeting bonus terms and conditions. After the XXXX month period, and after completing the bonus terms, Citi rescinded the offer. I am now stuck with {$90.00} in monthly fees. Citi needs to follow through on the agreement we initially agreed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently being reviewed for a loan modification with CitiMortgage and have a foreclosure sale date scheduled on XXXX/XXXX/15. Citi is telling me there is not enough time to complete the review and I need help getting the sale date pushed back. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My husband had medical debts that the collection agency had put in my name even though I was not on the medical bill. My husbands only income was social security and I was working so that is why they put his debt under my name. I do not think this was fair. My credit report is affected and I have repeatedly asked them to take my husband 's bills off of my account and they have not done so. He has since passed away and they still have his debt on my account. I need help. I do not know where to turn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
This is not a specific complaint about any XXXX of the credit bureaus. It is a comment about the process of getting the free annual credit reports that federal law mandates. I tried to get my free annual credit report from XXXX on XXXX/XXXX/XXXX. I went through the process and ended up with XXXX reports. The issue is with the identify verification process that each credit bureau uses in order to verify who you are and issue your report. They use obscure pieces of information from your past credit history because supposedly " you would be the only XXXX to know that kind of information ''. Each bureau asks 5 or 6 questions. That is 15 or more obscure questions that you have to get right in order to get your reports. Anyone in their XXXX like me with 30 years of financial history has probably gone through a number of car loans, at least a couple of mortgages and a whole bunch of credit cards and store cards. How am I supposed to answer questions like which credit card or store card I opened an account with in XXXX? I keep meticulous records and yet I can not answer that question. After completing the process I had the distinct impression that it was more difficult than it had to be on purpose. I can only speculate about the motives behind such a decision but the end result is that fewer people get the free reports that they are entitled to. Now, instead of being able to do the request online, I have to call each credit bureau and answer the same kind of obscure questions over the phone. If XXXX of financial institutions can confirm your identity without asking you to remember the monthly amount of your mortgage from XXXX, then the credit bureaus can certainly do the same thing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: CITIBANK, N.A.
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I opened a CitiGold account pursuant to an offer ( see attached ) to earn XXXX American AAdvantage miles upon meeting certain requirements. After meeting the requirements, I contacted Citi to confirm that I had done everything, and they confirmed ( see attached ) that I had qualified and should expect miles by XX/XX/XXXX. I recently talked to them, however, and they said that I do not qualify! I 'm upset ; I opened this account in response to their offer, and now they 're saying they wo n't honor the bonus, despite saying I qualified! Additionally, since I thought I would be receiving the bonus, I 've had to keep the account open and accrue a $ XXXX/month service charge. 

All I want is for Citi to uphold their end of the bargain!

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 2017-01-02
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
It is my opinion that CitiBank is engaging in XXXX discrimination in at least this instance, both in how a compromised XXXX card was handled, the charges for expedited replacement and approving only {$22000.00} of a requested {$25000.00} credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on XXXX/XXXX/16 and a replacement card was sent next day air at no charge, without him asking. My XXXX was compromised on XXXX/XXXX/16 and I was told I would receive a replacement card in XXXX10 days. When I asked why my husband 's was sent next day air, I was told there would be a {$6.00} charge for expedited delivery. I elevated the call to a supervisor who was to see it would be sent at no additional charge. After contacting CitiBank subsequently about the discriminatory {$6.00} charge and demanding that it be removed as an error and not as a courtesy credit, it ultimately was removed as a courtesy credit. Evidently, CitiBank felt it could properly discriminate by charging this {$6.00} fee and correcting it as a " courtesy '' rather than as an error as requested. I requested a credit line increase on, or about XXXX/XXXX/16. My income is identical to that of my husband and the attached XXXX scores for each of us as of XXXX/XXXX/16 show mine at XXXX and my husband 's at XXXX. The credit scores of XXXX and XXXX for my husband and myself are equal, or essentially equal. Ages are the same, the only significant difference is XXXX. CItiBank has denied any discriminatory action, but can not explain either the difference in how our compromised cards were handled, nor why my credit line increase request was not fully approved, as was my husband 's.

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 2017-01-12
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Sent a debt validation request XX/XX/XXXX to which Citi responded with a letter stating they required more information in order to validate even though the original letter had all the required information for them to do so. I then sent a second letter on XX/XX/2016 which was signed for and delivered on XX/XX/2016 with a second attempt to request that they either validate the debt with my signature or remove the item from my credit report. To this day that request has gone unanswered as well as Citi failed to mark the account as disputed with the Credit Bureaus XXXX the FCRA. I request that this account be removed from my Credit Report immediately.

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 2016-05-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
CitiBank violated Regulation E ( Reg E ) of the Federal Reserve when they refused to reimburse my personal checking account for the XXXX unauthorized transactions with my ATM debit card. I have notified the bank on XXXX XXXX, 2016, for the transactions that occurred on XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. The bank failed to conduct an adequate and proper investigation and failed to reimburse my account the loss of {$2800.00}. I have done everything on my end to notify the bank of the loss in the timely manner, and yet they did not follow Reg E and did not provide any legitimate reason for their actions.

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 2022-05-24
Company: ALLY FINANCIAL INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This company illegally committed adverse action against me without offering alternative accommodations.

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 2015-05-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I submitted a certified letter to Equifax dated and signed for on XXXX/XXXX/2015. today is XXXX XXXX, 2015 and have yet to hear from Equifax. I want Equifax to remove thee questionable accounts I request to be investigated, since they failed within the 30 days to notify me of their results. They had 30 days to investigate and get back to me with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
An unauthorized check drawn transaction is showing in my Chase checking account. 

Date : XX/XX/ Date posted to my account : XX/XX/ Amount : XXXX Company showing as : XXXX XXXX XXXX Customer service number on the check : XXXX XXXX XXXX It says " No signature needed - This check has been electronically autorized by voice or electronic verification by your depositor ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX  has no right to be in my credit report I do not now how they were allowed to access my report and put this claim in I never have a n account with these people please remove from my report they are not telling the truth I never had any contact with these people and was not notified of any of this. please remove the {$690.00} collection account that just showed up in my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax has furnished accounts on my credit report without my permission. I have contacted Equifax on several occasions and spoke with multiple people including supervisors. Still these accounts are on my credit report. Equifax says that it follows the laws under the FCRA but 15 USC 1681b # 2 says that they have to have my written instruction to furnish it on my report and they do not have my written instruction. Theyre basically violating my right to privacy under 15 USC 1681 a4. Ive even filed a complaint with the CFPB but somehow Equifax continues to break the law willingly and knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am overly confused by the correspondence I have been receiving from not only your bureau, but the other XXXX bureaus also. I have a lot of items that are reporting inaccuracies, and your bureau has verified these accounts. I do n't understand how the disputing process works when you perform it, but I do believe you are doing something wrong on your end. Again, I am writing to dispute the following items to be DELETED from my credit report as soon as possible : XXXX I would like you to check the date of last activity, date of opening and date of last status because they do not match my records. Please remove this account for it 's errors. 

XXXX Please check out date of opening and date of last activity because this does not coincide with my records. Please delete this account for it 's errors. 

XXXX The following items do not seem proper account number, name, type and terms. I do not believe it is on track and this account needs to be removed from my report for it 's mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: United Revenue Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
as i stated in other complaints someone has used my identity to open this account and i never received any communication from this company and yet they continue to assert that they have had communication with me in the past in response to a previous complaint ... and they havnt someone stole my identity and these people continue to make it difficult to get this cleared up i am in the process of making all of the necessary complaints with other agencies that regulate/license debt collection to see if i can get some help getting this figured out and giving this information to other govt agencies to investigate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-08-01
Company: Law Offices Howard Lee Schiff, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, XXXX, I received a court summons that I am being sued for a XXXX time for a credit card debt sold to a law firm that specializes in debt collection. The first case was dismissed. The summons states that they gained possession of the debt in the same day the bank charged it off, XXXX/XXXX/XXXX. It also falsely states that I had made partial payments towards this debt that has been received and credited during this period with last payment made to law office XXXX/XXXX/XXXX. I was unemployed during that period of time and financially unable to make any payments to the credit counseling service that I worked with in XX/XX/XXXX to resolve my debt issues. My question is does the statue of limitations apply during the XXXX years that my account was sold to the collection agency? Is Howard Lee Schiff, LLC violating my consumer rights by re-aging a debit for the same party that sued me previously dismissed by the same court I must appear in front of again : XXXX District Small Claims Division on XXXX XXXX, XXXX? Massachusetts XXXX XXXX, XXXX XXXX, XXXX XXXX states that I must be sued within XXXX years after cause of action. I interpret this to be when the debt was purchased in XX/XX/XXXX, not when a payment was last made in XXXX XXXX. Is my interpretation correct? Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: Bull City Financial Solutions, Inc
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
not only have the debt collectors be argumentative they are providing false info using my personal info. Bull city has been notified by US mail and verbally that this debt is being disputed yet they refuse to provide me with a signed contractual agreement between XXXX XXXX and XXXX XXXX XXXX and they continue to report this alleged debt to the credit bureaus. 

RE : CUSTOMER ACCOUNT- XXXX FOR XXXX XXXX XXXX XXXX REQUEST FOR VALIDATION OF DEBT Dear Fiduciary, Your claim was received alleging that I owe a debt to an original creditor named XXXX XXXX XXXX, now in collections with your organization under # XXXX. I am unaware of any contract creating an obligation or indebtedness to XXXX XXXX XXXX, or BULL CITY. 
So that I may further assist you, I am requesting that you validate the debt. Validation differs from verification, whereas I am challenging the authenticity of debt you are attempting to collect. Provide me with a true copy of the authenticated contract with my signature at the address provided above. 
NOTICE OF DISPUTE I am disputing the principle and any interest of the alleged debt obligation and I am disputing any outstanding balance owed by us. Please update the record with XXXX, XXXX, and XXXX that the principle, of this debt is in dispute. Please correct the records with XXXX, XXXX and XXXX to reflect that the principle is in dispute, as to SSN ending in XXXX, for XXXX XXXX XXXX XXXX. If you are unable to validate the information within 30 days, the account must be deleted. This debt is considered to be invalid until I receive the contract, requested at the addresses provided above. 
Please note the following : Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Sincerely : XXXX XXXX XXXX XXXX, Authorized Rep

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am on escrow on the sale of my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We can not close escrow because the lender is not sending a payoff demandI called on XXXX and requested a payoff demand over the phone as their system said that it 's faster than requesting it over website system, at that time I was told it will be ready in no more than 3 days. I called again on XXXX and was told it should be ready any moment,. Close of escrow was scheduled for XXXX, I called again around XXXX and at that time I was told that the payoff demands take 7 to 10 days. I had no record that I called it in, therefore, I went on the website and made a request again so it would be documented, I called again today, to my dismay I was told that because I re requested the payoff on XXXX I had slowed down the process. 
I do n't know what else to do to receive this payoff, I am failing to close escrow as scheduled, the buyers are losing their lock and I was told you can help. 
Please let me know what else I can do to get a resolution to this situationsincerely, XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation