BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX in exchange for opening a CitiGold account and scheduling XXXX bill payments from the newly opened account. 

XXXX XXXX XXXX equals at least {$500.00} or more in travel on XXXX XXXX. 

After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 

On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 

On XXXX XXXX, XXXX, An internal investigation was opened. 

Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2015-09-14
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern : My complaint is stemming from the credit reporting associated with a Citimortgage account # XXXX. This is a very unique situation because Citimortgage withdrew it 's interest in the property and issue release for the mortgage. This was done without them receiving a payoff. There were circumstances surrounding this account that ultimately made Citimortgage decide to relinquish its interest in the property. In addition to that, it was verbally mentioned to me that Citimortgage will also not respond to any type of credit bureau disputes regarding this account. I inquired about getting the account removed from my credit report. I was told by one of their representatives that I can get it removed from my report by filing a dispute with the credit bureaus. I was assured that given the circumstances surrounding this account, Citi will not respond to the dispute and the account will then be deleted and removed from my credit report. 
I followed the instructions that they gave me and filed disputes and I was displeased when the account did not delete from my credit history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my Citi credit card via their online system in XXXX 2016. The card carried no balance expect for this disputed charge. I called every month for 5 months and kept being directed that the case was noted and that some XXXX from billing disputes would contact me regarding the referenced charge. Meanwhile the XXXX $ disputed charge gathered interest and late fees for over 100 days. Citi reported to the credit bureaus and my Credit score dropped XXXX points! I still have no resolution and have sent certified letters to Citi Billing Disputes.

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 2015-05-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Other

Complaint:
In 2010 I acquired a Macy 's store card. A year or so later, I was informed that, because of my excellent credit, it was being automatically converted to a Macy 's American Express card. I have used it only for purchases at Macy 's and at XXXX. Today I received a notice from my credit monitoring service that I had exceeded the credit limit on my card. I checked my most recent statement and saw that the credit limit is {$2000.00} -- far above the {$340.00} balance from XXXX charges. I telephoned the customer service number on my Macy 's card statement and was told that it is a " XXXX in XXXX '' card. The {$2000.00} limit applies only to purchases at the store. Outside purchases are governed by a {$300.00} credit limit. I then phoned the XXXX customer service number and was told the same thing. I am furious and feel that this is deceptive. If there must be a discrepancy in the credit limits, that should be stated clearly on every statement. Remaining credit for Macy 's purchases : $ XXX.XXRemaining credit for other purchases : $ XXXX. 
I intend to cancel the card after paying the outstanding balance, but wanted to warn others about this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold checking account with Citibank. The promo code was supposed to be applied to my account 90 days from the opening of the account.we are now over 90 days and they advised the are now investigating promo code. Opening of account was done through their website and promo code was applied automatically. I was advised they will need 30 to 60 days to complete investigation. This Citibank has mislead me and now I am forced to keep my funds with them as I will need to keep my bank active.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

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 2020-04-03
Company: Experian Information Solutions Inc.
State: TN
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 have disputed the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX numerous times to Experian who refused to delete. I formally lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX and have never lived at XXXX XXXX XXXX XXXX XXXX XXXX. I called and Experian Rep refused to delete, I have written in my dispute and they have refused to delete and I have disputed online to no success. I did not live at this particular address although I lived at a address similar. I have submitted identity theft reports, and my old lease showing my old address similar to no avail. Experian is the only Bureau that is reporting this incorrect address.

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 2015-07-13
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I request that the CFPB investigate Sears ' failure to properly handle and investigate a fraudulent and unauthorized charge that was made on my Sears account ( ending in XXXX ) for {$7000.00} on XX/XX/XXXX ( See Exhibit A in attachment ). I have been the victim of a fraudulent scam that has caused significant emotional and financial hardship to me and my family. I am being charged for XXXX XXXX Licenses from the XXXX XXXX that I never agreed to purchase and that were never issued to me in my name. For more information about the fraudulent charge, please see the billing dispute letter and accompanying exhibits A through J attached below. 
On or around XX/XX/XXXX, I notified Sears of the fraudulent charge on my XX/XX/XXXX billing statement. Pending the investigation, Sears credited {$7000.00} back to my account ( See Exhibit B in Attachment ). XX/XX/XXXX, Sears provided me with a copy of a letter from the XXXX explaining that the " license was issued '' despite the fact that I never received or was issued a license under my name ( See Exhibit C in Attachment ). On XX/XX/XXXX, Sears re-debited the {$7000.00} charge from my account. On XX/XX/XXXX, I submitted a XXXX written billing dispute letter in which I again explained that I was charged for XXXX licenses that I never agreed to purchase ( See Exhibit E in Attachment ). On XX/XX/XXXX, I filed a XXXX billing dispute to Sears requesting that Sears investigate the matter and provide me with documentary evidence of the unauthorized transaction pursuant to 12 CR 1026.13 ( f ) ( 2 ) ( please see attached dispute letter and accompanying exhibits A through J ). 
In response to the second and third billing dispute letters, Sears has failed to provide me with a written acknowledgement of my letter ( 12 CFR 1026.13 ( c ) ( 1 ) ) and has failed to provide me an explanation that sets forth the reasons for Sear 's belief that the billing error alleged by the dispute letters is incorrect in whole or in part ( 12 CFR 1026.13 ( f ) ( 1 ) ). They have also failed to provide me with copies of documentary evidence of the unauthorized charge for {$7000.00} ( 12 CFR 1026.13 ( f ) ( 2 ) ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: TX
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:
There are mistakes in my report, please verify or remove immediately :   XXXX   XXXX    XXXX  -  XXXX  > I do n't recognize this account   XXXX    XXXX  > I never paid late   XXXX   XXXX    XXXX  > I never paid late  XXXX   XXXX   XXXX   XXXX  > I never paid late

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX at XXXXam I received an e-mail from Bank of America stating that I was approved for a 'Bank of XXXX XXXX XXXX Banking Account XXXX XXXX 

I did not submit an application for this account. I called Bank of America immediately and connected with the Fraud Department. They were able to close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Earm LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Person called a relative phone number Ive never been contacted or received notification in the mail about this debt. Received several of the court-threatening calls. Today, I got a vm from XXXX XXXX, this time with the 'I was listed as person of interest for ( random person 's name ) ' scam mentioned earlier. Tell you to Call back from a different number, but had the XXXX for callback.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted a member of my family and shared with them the original creditor 's name as well as the amount of debt owed. Demanded payment from this relative and demanded it be paid immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
A few years ago my wallet was stolen on my way out of the country and when I returned back to the states I learned my cards had been used. I called all my credit card companies and informed them of this issue and sent in supporting documentation of proof of my travels to the XXXX XXXX the purchase was also not my usual trends of purchase. All corrected this matter except Bank of America. They completed a poor investigation as well as closed the account after informing me all fees and issues would be taken care of. While reviewing my report I noticed they reported late payments during the months the case was under investigation. I spoke with numerous representatives and was informed this would be corrected. Yet after over near 13 years of great business with this organization my promised credit line and incorrect late payments have not been restored after this issue was resolved in my favor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-28
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
on XXXX I noticed some inaccurate information on my credit report. I reach out to all 3 bureaus ( EQUIFAX, XXXX, AND XXXX XXXX these inaccurate accounts. They said they was gone investigate the matter and notify me with a result of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XX/XX/2021, my fianc and I purchased a XXXX XXXX bike. The bike was stolen in XX/XX/2021, and we filed a claim with our insurance company, XXXX. The claim was settled in XX/XX/2021 and a settlement check was issued for {$320.00}. I deposited the settlement check into my account in XX/XX/2021 and after a few days I checked my account to see if the check had cleared prior to spending the money. 

The check had cleared so I paid my final bill for XXXX off with the settlement check I had received from XXXX. With no warning, US Bank reversed the check and did not notify me. I noticed a negative balance when I logged into my account and called to ask why. I spoke with a representative at US Bank who said the check was not reversed, but they had never cashed it because XXXX put a stop payment on the check. I explained to them that I saw the check clear in my account and i explained that XXXX issued the settlement check and would not put a stop payment on it. I asked to speak with a supervisor, and offered to give them my claim adjuster 's phone number, which they did not accept. 

I called my claims adjuster and she agreed to speak with US Bank and told me that she can see the bank has cashed the check from her end so she could not reissue the check. 

US Bank refused to assist me, they dropped calls every time I called, they did not give me a valid reason for reversing the check, they never notified me, if I hadn't noticed I wouldn't have known until they closed my account. US Bank never tried to work with me to resolve this issue, and they charged me NSF fees for their mistake. When I asked for a letter stating why they closed my account they sent me a letter stating that it was closed due to overdrafts, and never addressed that they reversed my settlement check.

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 2016-11-07
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had been a customer with Citibank since XXXX in XXXX. In XXXX I moved to XXXX, XXXX. In XXXX Citibank removed all of its branches from XXXX. I was left with no other option but to move my money to another bank and close my Citibank account. I did so with a confirmation number saying my account would be closed by said date. I forgot about it. Then I started getting banking statements from Citibank saying that there was a negative balance because low fund fees were accumulating. I called Citibank to re-close my account and waive the charges on several occasions. Each time they told me they had done so. I started to then get collections notices for the amount of the negative balance on my closed account in the amount of {$120.00} dollars. It is their error for not closing the account. I have been after them to correct the mistake. I have tried to call back and each time they have a different excuse. I am now is collections for their error and no one want to help me at Citibank and there is no branch for me to go to to solve the problem.

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 2016-08-06
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Summary : I did not receive the bonus points that came with a promotional offer Citi was offering even after they have confirmed it via live chat and secured message. 

Events : Opened a Citigold Checking account during XXXX 2016. There was a promotion of getting XXXX XXXX XXXX Aadvantage miles for opening said account and completing certain requirements. The requirements were : 1. Use the bill pay function in two consecutive months 2. Make {$1000.00} in debit card purchases with the Citi debit card. 

Confirmed with Citi representatives via Live Chat and Secured Message on XXXX/XXXX/16 that I have completed all the requirements and was eligible for the bonus points during XX/XX/XXXX and had to wait 90 days ( starting from the following month ) for the points to be posted onto my XXXX XXXX account. I should have received the bonus points by XXXX/XXXX/16. 

There is a $ 30 monthly fee for keeping the account open. I kept the account open solely for waiting for my XXXX XXXX miles to post but they did not show up long after the 90 day mark. Contacted Citi soon after to ask when I will get the points and they said that I was not eligible for the bonus points. They did not even send me a notice saying when or how I was disqualified while I just kept waiting and paying the $ XXXX monthly fees for a total of {$90.00} to date. 

This is very misleading of Citi to first confirm then to disqualify after having paid monthly fees to keep my account open.

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 2020-04-03
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started addressing this issue with OCWEN 2 years ago - they have only pushed me from group to group and no one has given me any solace or resolution. 

I have called and addressed this issue likely 100 times in the last 2 years.

OCWEN 's lawyers conspired with my lawyer to commit fraud and did. OCWEN paid my lawyer XXXX XXXX and I paid my lawyer to refinance the property I live in, after discovering that there were 14 violations of TILA and RESPA in my purchase and sale. They conspired to settle the debt by adding 10 's of thousands of dollars in fee 's. Because of it I am now unable based on the settlement able to correct them on the fact that they wrote into the settlement that I could never sue again for any reason including if they broke the law again. No lawyer can intercede because the CAL BAR will not allow them to negotiate with mortgage companies any longer. No lawyer will sue any other lawyer for such a small amount - no one is interested. I have escalated this to the CAL BAR  and they are investigating - this should take more than a year based on another case similar to mine that I am privy to. 

There is a reason that OCWEN is the most often sued lender on earth.

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 2017-01-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We feel like we are getting the run around from CitiMortgage like we have in the past with respect to our application for assistance/loan modification. They did n't review or underwrite our application for assistance, they are making numerous collection calls to me at work ( in violation of the bankruptcy discharge - I am currently working with an attorney to see what our rights are as to these violations ), send letters that contradict previous letters adding to our confusion ( we were declined for a short sale that we did not request or apply for and then notified the following day that we were conditionally approved ), failing to respond to email requests, failing to respond to our loan modification appeal within the required time frame ( 30 days ), and misleading us by sending a HAMP application when our investor does not participate in HAMP. 
We love our home and desperately want to keep it. We just do n't think that CitiMortgage is acting in good faith based on the way our account has been handled since XXXX. We would just like the investor and CitiMortgage to work with us to make our payments more manageable and affordable.

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