BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-17
Company: CITIBANK, N.A.
State: HI
Product: Credit card
Issue: Late fee

Complaint:
I am a Costco member. On XXXX XXXX, 2016 Costco switched from XXXX XXXX to Citibank as their credit card issuer. My credit cards are set up for automatic payment. I do n't even know when they are due. I just have the full balanced paid in full each month so I incur no fees. It turns out my credit card bill is due on the XXXX of each month. So my bill was due XXXX XXXX, 2016. Today Citibank called me because my account was 19 days past due and I have incurred a {$35.00} late fee. What? I am not the type of person who incurs late fees. How is my account 19 days behind when it has not even been a month since the card was activated?!?!?! When I called Citibank ( currently on my second phone call right now ) I was told this was explained to me in the package of information mailed to me. Ya, right, like people actually read that information, just like I read every Privacy Policy of each and every website I frequent. I was told the late fee was waived, but just the audacity to pretend charge me a late fee on purchases not even a month old. This has got to be illegal. I have not even received a bill for these purchases. I assumed once I received the bill I would set up an account online and activate automatic payments like I have always done. But no, within seven days of my new CitiCard being activated, I was supposed to seek out a bill that was not sent to me and blindly pay it. Even now, as I attempt to activate automatic bill pay, which is not going smoothly and am waiting for the IT department ( 33 minutes on hold so far ), I have n't seen the bill yet. According to Citi 's website, it is not available yet. What? It 's insane! It 's wrong, wrong, wrong what Citi is doing. On my second call to CitiBank, the customer service rep told me it is XXXX XXXX 's fault for not notifying customer 's properly about this situation. Or, CitiBank could have just sent me a bill for my XX/XX/XXXX expenses at a reasonable time, XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have opened a XXXX checking account in XXXX 2016 with a promotional code XXXX offering XXXX XXXX XXXX miles when meeting {$1000.00} debit card purchase and process at least XXXX bill payment for two consecutive months. I confirmed when opening an account with a representative from Citibank that the promotion was linked to my account and completion of the requirements would make me eligible for the promotion. I met the requirements in XXXX/XXXX/2016, as confirmed via secure message with a Citi representative and was advised miles would be posted. On XXXX/XXXX/16, I have submitted another message to open an investigation to follow up on when XXXX XXXX miles would be posted. I was told that the investigation would take XXXX to 3 business days. It has been more than 7 days and I have yet to hear any response back. I have searched online and found out that there were numerous cases within Citibank not honoring XXXX XXXX miles bonus with opening XXXX checking account. I am being charged $ XXXX/monthly fee in my account and is about to pay another month of fee without any response from Citibank. I do not appreciate their continued to ignore this issue and refusal to award me the points I have earned, all while still charging me a fee for maintaining their XXXX checking 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 non-monetary relief
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Before moving to XXXX XXXX in XXXX of 2012, I opened an checking account with Citibank in XXXX XXXX XXXX near my home. I opened this account because they convinced me that I would be able to use my XXXX account at ATMs in XXXX and elsewhere in XXXX. I deposited {$1000.00}. I moved soon after so never received a statement but I did receive an ATM card which I still have. I also have had a Citibank XXXX which I still use. 

I was not able to use the ATM card as they promised, in XXXX nor in XXXX where I now live. But when I attempted to link my Citibank XXXX to my checking account ATM, my phone conversation with a Citibank representative informed me that they had no record of my account ever existing. All I had was my ATM card number but I was never given a statement so I had no account number. They had no record of my account number even though they had issued the ATM card attached to the account. 

I traveled to the XXXX last XXXX and went to the same XXXX XXXX branch. The customer service manager named " XXXX '' first check the XXXX Found Money database to see if my money had been returned to the state, but it had not. She saw my ATM card number and said that they had paper records in the back room that they could go through, and would give me a call. I never received a call before I had to return to XXXX. I have tried calling the branch on numerous occasions but calls there are always forwarded to Citibank corporate, and they have no way yo connect me back to the customer service manager I met at the branch. So my money is gone and they have given me no recourse.

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 2016-07-29
Company: CITIBANK, N.A.
State: DE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Citi Mortgate is XXXX of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard XXXX to live.

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 2016-12-07
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I had a Costco membership with a Costco American Express ( AMEX ) Credit Card. Costco ended it 's relationship with AMEX and began a relationship with VISA. I let my AMEX expire and thought that by doing so my Costco membership would end as well. What actually happened was that Costco tranferred my account to VISA. I never activated the VISA card sent to me but I had recurring billings on my AMEX that were transferred to the VISA account. The VISA account was set up with CitiBank. I ignored subsequent mail from Citibank assuming it was advertising. On XX/XX/2016 I received an email from Citibank indicating my account was past due. At that time I called Citi and asked for a statement to be sent to me as I had no idea what had been charged to this card. On XX/XX/2016 I paid the full balance on the card and cancelled it. In the interim, Citi made a report to XXXX and XXXX XXXX that I had an account that was 120 days past due. This has changed my Credit Scores from Excellent to Weak. I made several phone calls to Citi trying to get this resolved. I finally reached someone who gave me an address and fax number for CitiBank Credit Bureau disputes. I was told there was no phone number to reach that department. I faxed the information to Citi on XX/XX/2016 and left contact information so they could reach me. Today is XX/XX/2016 and I have heard nothing and have no idea if they are looking at my case.

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 2016-02-06
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
AT & T Universal ( Citibank ) raised my rate due to a late payment almost two years ago. I was told the new rate 28.00 % plus would last up to one year. I recently noticed the rate was still 28.00 and I called to ask why. I was told by the agent ( XXXX ) that information was " proprietary '' and he could not tell me. I told him I was going to close the account, he did not argue, did not try to keep my account (??? ) I asked him if he investigated could he tell me, I was placed on hold, he returned and he said " no. '' I closed the account today XXXX/XXXX/2016 as my other credit cards are half that rate ( or less ) and I have a credit score over XXXX! I would hope the rate they are charging and the " proprietary '' reason can be investigated. As a consumer I believe I 'm entitled to know why I 'm being charged 28.00 % when I have good credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citicards XXXX is listing a credit account on my XXXX credit report that is not my account and is a fraud account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
My Citi credit card is currently under penalty interest. After I made XXXX consecutive timely payments, I contacted Citi to inquire about why my interest rate has not been reduced. I was told that they review accounts every six months in XXXX and XXXX. Upon receiving my most recent statement, penalty interest is still applied to my account despite making XXXX consecutive on time payments. I contacted Citi again today and the Account Rep attempted to reduce my interest rate but the system would n't allow it saying that my account was ineligible. Despite repeated requests to provide information as to a reason why my account was ineligible for an interest rate reduction, the Account Rep was unable to provide any detail. He would state repeatedly that if the system would allow him he would have already and that his recommendation was to make two more timely payments and they could try to reduce the rate again after that. I asked if that meant that XXXX consecutive payments were required for reducing my interest rate or if that meant the system is showing my account as only having XXXX on time payments. The Account Rep denied XXXX only assuring me that he tried to reduce my interest to no avail. I ended the call to file this complaint. My understanding of the CARD Act was that penalty interest is to be removed after XXXX timely payments. To the best of my knowledge, I feel I have completed what is required of me to be cured from this interest rate and will not accept deliberate mistreatment. So, I am filing this complaint in order to expedite a solution and/or provide myself a better understanding of what the law stipulates regarding this issue. Attached is a payment history taken from my Citi account online for the on time payments from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have an account with Citibank and they no longer have branches in Texas. However I am not qualified for mobile banking deposits. I was told they make exceptions but they are refusing to make an exception. The only option I have is to mail a check in with a two week turn around or to overnight the check which costs quite a bit. I find this unacceptable. I have talked to many supervisors. This does not seem fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We filed bankruptcy and it was discharged in 2014, our mortgage company forgave the debt on our second mortgage but did not remove the lien and then it seems like they sold our debt to a collection agency. We can not refinance our XXXX mortgage because there is an additional lien on our house. When we contact the people who now own our lien they insist that we go into a repayment program for 5 years. We feel if they forgive the debt they should remove the lien! We did n't receive any documentation and did n't even know that they were forgiving the debt. We are grateful that they did but, if they do n't remove the lien then they really did n't do anything, we still have a XXXX and XXXX lien and ca n't refinance anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: CITIBANK, N.A.
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi finacial..they call playing on the phone..they will say can you hear me now about XXXX or more times and laughand hang up.or they will hold the phone and when I try to talk they hang up laughing. Sunday are the worse days. I was called XXXX times in XXXX day last week.this is not a game to me. I recently had XXXX and trying to recover.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
On XXXX/XXXX/2016 I closed my prepaid card that I had deposited XXXX XXXX dollars with Capital One. I got an email later saying I had to make a payment so I called. I have a transcript of the phone conversation with the Capital One Rep. He told me I had to pay an additional {$150.00} that was still on the balance to close the card. I did so online XXXX/XXXX/2016. My bank statement shows capital one withdrew the money on XXXX/XXXX/2016. The Rep said all would be good. 
Today I recieved an email from Capital One saying I need to make a payment on the card for {$68.00}. Please help me with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
on this date XXXX the following credit bureaus have not responded to my investigation it is now over 45 days later. I demand that they investigate and remove all inaccurate and erroneous items from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
collection agency did n't identify them self as a collection agency says they are only required to say mini miranda it once and that they did it on a letter they sent informed them that is wrong fdcpa clearly states that it is on every contact they sent me a validation letter we requested and it was XXXX more than what I owed part of it was 2 months that landlord could n't rent apartment yet apartment was rented 30 days after I moved out can get proof if needed they are overly aggressive and refuse to adhere to fedral law I can not and will not do business with a company that thinks they are above the law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am disputing Capitol One 's report regarding the delinquency of my platinum XXXX account. I request investigation because : 1 ) The terms of my credit account and debt with Capitol One are incorrect ; 2 ) Capitol One 's report as to my payment performance and conduct on the account is incorrect ; and 3 ) Capitol One 's report as to my payment relationship with that entity, especially regarding creditworthiness, is incorrect. 
This is my XXXX and only Capitol One account. This account was opened on XXXX XXXX, 2015. I set up monthly recurring auto-debit payments for the full balance of each statement on XXXX XXXX, 2015, prior to the first statement due date, XXXX XXXX, 2015. All auto-debit payments were to be transacted on the XXXX of each month. On XXXX XXXX, 2015, I received a confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015. On XXXX XXXX, 2015, I received another confirmation email from Capitol One than an auto-debit payment was scheduled for XXXX XXXX, 2015, for the balance due on my second statement. On XXXX XXXX, 2015, I received a notice that the XXXX XXXX, 2015, payment had not been auto-debited by Capitol One. I received no similar notice regarding the XXXX XXXX, 2015, payment. However, when I called Capitol One the same day that I received the first notice ( on XXXX XXXX, 2015 ), I was then notified that the XXXX XXXX, 2015, transaction had not been auto-debited either. I paid the entire balance on the account immediately over the phone. The failure of Capitol One to successfully auto-debit XXXX statements pursuant to our agreement should not be reported as a delinquency on my part. I relied on their confirmation emails that the payments were to be transacted as scheduled on XXXX XXXX XXXX and XXXX XXXX. Capitol One failed to notify me that they had not completed these auto-debit transactions as agreed and confirmed until XXXX XXXX. Furthermore, this report is incorrect because this account is not delinquent and is paid in full. I request investigation as to Capitol One 's reporting regarding the timeliness of my payments, Capitol One 's failure to auto-debit per our agreement and to notify me of the same until XXXX XXXX, 2015, and Capitol One 's report of my overall payment history and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Rewards

Complaint:
I applied for the XXXX from Capitol based on the mailer I got which mentioned {$1000.00} in bonus earnings on {$1000.00} in purchases within 90 days of card opening. I 've made the purchases, but do n't see the bonus earnings. I 've called up Capitol One and the redemption center multiple times and have been getting the run around, and that they are n't aware of any such offer. I also faxed them the mailer, but have had issues getting proper responses from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was behind on my car note with capital one around XXXX 2016 or so. I was about 2 months behind or so. I called capital one & ask if I could defer a payment, I worked mostly on commission so my income had dropped drastically. The agent at capital one said there is no deferment program, the agent said there is a fresh start program for me. I believe I owed capital one about $ XXXX- {$1100.00} which was the total of 2months behind & the payment that was due for the month. The agent said we can enroll you in the fresh start program the past due amount goes down by XXXX % to {$730.00} & they gave me another 2weeks or so to make the payment. The next 3 payments after that goes up XXXX % more which was, I believe about {$570.00} or $ XXXX month. My regular car note was $ XXXX month. They told me by doing this, my credit report will not show late, by agreeing to the fresh start program my account will be current. That was the only reason I agreed to the program. I did not like the fact that for 3months I had to pay XXXX % more each month instead of paying my regular car note {$390.00} I was paying {$570.00} but I said as long as it shows no late, that ok. Then just by chance I happen to check my credit report to my complete & utter shock, it showed late for 2months. I called capital one, I said you have reported me late for 2months when I was in your fresh start program, you told me you would not report me late. I spoke with a agent & a manager on the phone, they looked at everything & they said the fresh start is too work out a payment plan, it still will show late, I told the reps at capital one, I was deceived, they fooled & tricked me into getting into this program. Why is it called the fresh start program? It is a misrepresentation & a attempt to deceive. There is no fresh start here, if they would have told me my credit would be damaged, I would have came up with the extra {$300.00} to {$400.00} needed to get caught back up & then just pay my {$390.00} a month. I could not believe that they would say one thing & then do another. I felt like the facts was totally misrepresented here & it was not explain so I could understand it. It was very confusing, there is no way the least sophiscated consumer understands what they are signing up for. Please look into this. Thank you

Company response to consumer: Closed with explanation