BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-28
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Billing statement

Complaint:
I sent payment to Sears Credit card this past XXXX XXXX in the amount of {$200.00}, when I saw that payment had not been posted to my account on following statement I called Sears Credit card and spoke to a customer service representative, Since I sent a XXXX XXXX money order I submitted a trace and received a response that payment was received. I contacted Sears again and spoke to someone and stated that I submitted a copy of Money order trace, the person that I spoke to put me on hold and told me that yes they had located my money order and that my payment would be credited to my account shortly, several weeks lapsed before I called again and was told by a customer service representative that my payment would post the following Monday, a few days away ( this was about a month ago ). I then called last week and spoke to a customer service representative and she stated that payment had not been received, that she would refer my issue to the billing investigative department, I 'm back to square one. Sears Credit card has my payment but will not post my payment to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I was renting a living space from an out of state landlord. I live in Florida and the landlord lives in Minnesota.I mailed a rent check to my landlord in XXXX of XXXX. The land lord called me and asked me to pay the rent to another bank that held his mortgage because this bank had no branches in his state and he did not want a late fee. He told me he would destroy the check I sent and we made the arrangement for me to pay my rent directly to his bank that held the mortgage to the rental property. Fast forward to XXXX XXXX I gave notice I was moving and paid my last months rent. After I moved out he cashed the Check that he was supposed to have destroyed. My banks policy is that checks expired at the 6 month mark, and even though this check was 14 months old they payed out on the check, over drafting my account which they are not supposed to do because I refused overdraft protection. I filed a complaint with my bank and they said even though they were in the wrong they would not refund my money. I am on XXXX and live month to month on my check

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Capio Partners, LLC
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a Medical Collections on my credit report from Capio Partners that is not mine. It may be for someone with a similar name. I disputed this debt several times with collection agency/credit bureau and its still on my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a Banamex USA credit card. I recently called the company to complain about my credit card strip not working. In addition, I also spoke about difficulty with my pin not working. I was mailed a new card but I am unable to use it. I 've called the company numerous times during regular business hours and I get a recording that tells me to call back during business hours. My concern is that they are unresponsive and they have access to my bank account information ( monthly payments ). I 've called and I 've emailed Banamex USA ; I do n't know what to do.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I was in XXXX and needed to obtain XXXX. Due to problems with being required to have a pin to use a Credit card in the automats the banks operate in the XXXX area ( XXXX XXXX XXXX region ), it was suggested that I use Western Union XXXX WU XXXX. So I went to the local XXXX XXXX and talked with them. This led me to going online to the WU site and getting it to " US English '' ( Regional issue based on IP addresses ... ). I was involved with them via a chat session and it was explained to me what I had to do and that it would be possible to effect this within an hour or so. 

The first step was to register, which I did. The next steps required I identify my bank ( XXXX/account # XXXX, provide verifiable ID ( DL # in this case, & my address ... ). 

With that done, the next step is to do the transfer. So I specified how much I wanted in XXXX ( XXXX XXXX XXXX and set it up for an in-person pickup at the local XXXX XXXX office. I would be required to use my XXXX ID to pick up the moneys XXXX. However, they kept failing the transaction for some odd to me security reason XXXX the reason was inspecific, but some security problem that appeared to be with my bank ). 

I had to then call my bank to find out what security problems were involved, and they told me that WU had not contacted them XXXX security department XXXX to validate my account. Granted, this would have been about XXXX XXXX, but the Fraud and Security departments are manned by Bank XXXX at that time. 

So then I called WU directly and there I was told that you ca n't do what I am trying to do, pull money from my Bank XXXX and send the funds to me in XXXX -- Even though they had told me earlier exactly how to do this whole process, and their web site says that this can be done. 

The problem that started this is, in the XXXX area, the various banks have pulled the ability of tellers to handle Credit Cards by taking an image and then obtaining a signature. We would have to drive over to XXXX a large city XXXX to get this done. But I needed to take care of my Hotel suite bill first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: BMW Financial Services NA, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Podium Mortgage Capital LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX XXXX, XXXX - My credit card was charged {$6100.00} in fraudulent purchases at XXXX ( approximately XXXX fraud charges ). I immediately notified the credit card company ; the card was closed and I was told a fraud affidavit would be forthcoming. It took n additional follow up calls and weeks later for me to receive the fraud affidavit. I have since executed XXXX affidavits and sent them to Macy 's XXXX XXXX fraud department on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have made numerous calls to the Macy 's XXXX XXXX for status of the fraud claim, to date no one has been able to provide me with a status. Meanwhile, I am being reported as delinquent to the credit reporting agencies. Please note Macy 's XXXX XXXX billing statement states, " We can not try to collect the amount in question or report you as delinquent on that amount. '' They are clearly breaching the credit agreement by reporting me as delinquent. My last attempt for status was today, XXXX/XXXX/XXXX - no one was able to provide me with a status of my fraud claim. Nor are they able to stop the delinquent reporting to the credit agency.

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 2017-01-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
Closing date on my credit card is XX/XX/XXXX. I made an online payment on XX/XX/XXXX that was successful. However, I late found out the payment was applied as a float and my credit balance was n't adjusted. This led to a situation where I exceeded my credit limit because it was never adjusted after my payment. 

My credit limit is still not adjusted for my payment on XX/XX/XXXX, over a full week later. I was never notified of the float, or the fact that my credit was being withheld. 

I feel this company took my payment, told me it was successful, but never applied it to my account and updated my credit. Doing this without my knowledge violates my rights as a consumer.

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 2017-03-22
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello there, I have been banking with Citibank for approximately 10 years, I just noticed that they have been withdrawing XXXX dollars per month from my checking account for almost two years just to keep my money with their institution, that was not the original agreement when I opened the account with them and I was not notified about that change in the contract neither. I 'd like to have all that money back to my account, those monies were collected without my express consent.

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 2016-07-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Was sent new card by the credit card company in XXXX of 2016. Made a charge in XXXX or XXXX of 2016 of {$45.00}. XXXX statement has balance of {$45.00} but I never received any statements from XXXX through XXXX. Received an email today on XXXX XXXX, 2016 that there was a small payment due on my account so I logged on to make the " small payment ''. Upon logging on I found that my balance was {$100.00} because I never received any statements, I was charged a late fee in XXXX and then a late fee on top of that in XXXX for a total of {$63.00} in late fees. The original charge was less than the late fee charges. I then tried to contact Citi Card via phone but recieved the message " due to high call volume we can not take you call '' and I was disconnected. Then after several attempts online I was able to chat with somebody online. However the chat person said they were unauthorized to remove the late fee and that I had to call the company. They also said I could not talk to a supervisor via chat. I made every attempt to get this resolved but received no help or customer service from Citi Cards. It is incredulous that a company can prevent me from trying to resolve my account. My chat person 's name was XXXX. In the end they told me try chatting again another time. The is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX keeps calling and harassing me about a debt she can not validate. But, the debt is not in default and I have not been contacted by my creditor regarding this company. They are trolling. When I asked them to identify themselves and the nature of their business, they refused. When I told them I do not do business over the phone, they threatened me. " Then suffer the consequences! '' And, " It 's too late for all that suffer the consequences! '' She sent me a correspondence XXXX XXXX, with no knowledge of any creditor and trying to sign me up for XXXX. I have no debt in default ; I 'm XXXX months late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a CITI account on our report which just popped up while we pulled a credit report XX/XX/2016 in the process of application for a home loan. 
I had no clue of what this account was and the credit score was in 720-740 before that and because this account has suddenly popped up and the score is 619 and we were denied a home loan. 
I call up CITI and clarified and then were given to understand that this was an account with XXXX and Costco and that got transferred to CITI. We had not communication or mailers from all these parties involved in this dispute. We had closed the Costco account and paid of all balances with XXXX as on XX/XX/2016. 
When requested more info with CITI they said that I had a balance of {$340.00} which was brought forward from XXXX to CITI in XX/XX/2016. Now after 6 months they have added late fees and interest charges and made it to {$510.00} outstanding balance with CITI. 
I have had no intimation on these corporate mergers and all that and nobody from CITI had ever communicated about this outstanding balance in the last six months. Now when we pulled the credit that 's when we go to understand that we will not be able to get a loan because of this CITI account which was showing delinquent. 
I am willing to pay of anything I owe as outstanding from XXXX if there were any, so I request CITI for the statements as to where and how this balance got carried forward and CITI customer service reps were so hasty and gave a rude reply that they can not give me that data and that it is my problem to deal with it. 
I want to dispute this issue and have it cleared ASAP so I can get going with my home loan and my EMD ( Earnest Money Deposit ) of {$3000.00} will be lost if I do n't get the loan in 30 days. 
XXXX and CITI are not really worried about customers at all and finally the customer has to go through the irony of life with bad credit for no reason. 
Please address this dispute as soon as possible and I look forward to a favorable reply.

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 2017-02-20
Company: Reliant Capital Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other fee

Complaint:
I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? 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 monetary relief