BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have had a Costco XXXX XXXX credit card for over 8 years and have always been on the automatic full payment method from my bank checking account. When Costco changed to Citi Visa credit cards I was issued a new Visa card. The first statement from Citi Visa is charging me {$72.00} interest and saying the previous balance was not paid in full. The statement ( attached ) shows a previous balance of {$4400.00} and a autopay payment of $ {$4300.00} leaving an unpaid balance of {$120.00}. Because I 've been enrolled in autopay for many years I do n't believe this is possible. I spoke with a representative at Citi Visa who acknowledged the previous payment and attempted to credit me for the interest charge but was " not authorized '' to do so. I asked to be transferred to someone who had that authority but was told I had to specify who I wanted to speak with - impossible since I do n't know anyone there! I asked for her supervisor and was told that a supervisor would call me within 24 hours. That was 4 days ago so I called again today. This representative said she was unable to do anything and would have a manager call me. I have no confidence in that and therefore I am filing this formal complaint.

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 2016-09-21
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Late fee

Complaint:
Citi XXXX card charges a {$25.00} late fee AND interest. That 's outrageous! The late fee is high and the company is charging TWICE for an error.

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 2016-09-09
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
This relates to existing Case No. XXXX against XXXX XXXX XXXX. I want to file a complaint against Citibank Corporation. in XXXX, 2016, my father purchased a chair and he paid for it with his Citibank card. The total purchase was {$1000.00}. When he received the bill from Citibank in XXXX, he wrote a check no. XXXX on our joint XXXX XXXX XXXX account for the full balance. It was put in a Citibank envelope and mailed. In XXXX, Citibank called him and asked him why he had not made his payment. I contacted Citibank and gave them the check number and that it had cleared on XXXX XXXX. I also mailed them a copy of the check. I also contacted XXXX XXXX XXXX and opened up a fraud claim. Citibank rejected the copy of the check because they did not receive the payment. They removed the conditional credit and added late fees and interest. I contacted XXXX XXXX XXXX and received a claim no. XXXX. XXXX XXXX XXXX informed me that the check had been cashed by unknown persons at Citibank Branch No. XXXX/Sequence No. XXXX. They indicated that would contact Citibank. Then I heard nothing for a long time, and continued to try to follow up and finally filed a complaint with the Federal Reserve. I received promptly in XXXX a letter from XXXX XXXX XXXX to forward to Citibank which I did. Citibank just recently sent correspondence to my father indicating that they did not cash the check and would not pay the check. Citibank has now accumulated over {$100.00} in interest on the unpaid balance of {$1000.00} despite the fact that have sent them letters, and XXXX XXXX XXXX has sent them letters. Now my dad owes them {$1100.00}, so I have to pay that balance and close the account, but I need help recovering that check from either Citibank of XXXX XXXX XXXX because they playing against each other. XXXX XXXX XXXX says they ca n't return the funds to the account even though they paid the check. Citibank just wo n't deal with it.

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 2016-09-25
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have several complaints against Citibank especially with a XXXX XXXX XXXX a client liaison. He has accused me of being non compliant in paying off an account ending in XXXX. It has been proven that his response unit is incompetent and again has " confirmed '' that they do n't know what they are doing. I have fulfilled paying Citibank the settlement agreed amount owed. Yet again out of the four payments cashed by Citibank two were claimed not received. The XX/XX/XXXX and XX/XX/XXXX payments I paid in addition to the checks I also sent XXXX money orders XXXX for {$20.00} the other {$30.00} respectfully. On XX/XX/2016 I was told since payments were not received the account is in collections for the empteeth time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-14
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank charges overdraft fees when an account overdrafts due to a bank fee. This is unfair. If my account has {$5.00} then the monthly service charge hits my account in the amount of {$12.00}, the bank then charges an overdraft fee when that overdraft was a result of a bank fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citi credit card refund ... ... ... ... ... HELP Need answers to make inquiry for refund

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 2016-05-24
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I received mail from Citibank with a promo code that if I opened a Citigold accound with them and met certain requirements ( maintaining min {$50000.00} in account or paying monthly fees on the account, using the account for automatic bill pay, using the debit card with some minimum spend etc ), that I would be awarded XXXX XXXX XXXX miles. I opened the account and met all the requirements by XXXX XXXX. All my paperwork from the opening of the account has the promo code and the terms of the promotion. I was told it would take 90 days after the requirements were met for the miles to post. On XXXX XXXX, XXXX, the miles had not posted. I was told to wait until the next cycle XXXX XXXX. When the miles did not post on XXXX XXXX, I was told that in fact, I was not registered for the promotion and would not get the miles

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 2016-12-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!

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 2016-04-02
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX, I received a letter from Citibank. It stated that a debit return of {$23.00} had been " no posted '' on XXXX XXXX, XXXX. I had closed all accounts in XXXX, XXXX. The letter asked me to contact the customer service center and provide them with instructions regarding the credit. I have called twice, requesting that a check be mailed to me. Both times I was told that this could not be done and that I would have to go into a branch office to make the request. One of the reasons I closed the account was because they closed the branch office closest to me and could not drive to other locations. I do not understand why a check ca n't be mailed. I also do not understand why the credit was not refunded to me back in XXXX, and why it took 5 months for me to be notified. I have been having a running dispute with the company that issued the refund because I never received it, only to find out that the bank has been holding it for over 5 months, for no reason. I hope that Citibank will issue an apology and explanation to the company that originally issued the refund. I am extremely upset that they have held on to this refund for so long and now refuse to mail it back to me. What is the problem??? Are they going to pay interest on the amount? I do not understand why the refund ca n't be mailed since they obviously still have all of my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-15
Company: QUALITY ACCEPTANCE LLC
State: CA
Product: Consumer Loan
Sub-product: Title loan
Issue: Payment to acct not credited

Complaint:
Pay my car Insurance in Quality Acceptance company wants me to pay over {$1500.00} because they said they found no record of me paying my insurance also have made payments that some payments were missing and the amount is not what they told me it was at first

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Balance transfer

Complaint:
I have credit card with Capital One and sometimes use their offer totransfer balances to reduce interest paid on other cards. Before I couldpay off any purchase balances first without being charged interest on it, if paid on time. This was a positive of the new laws. However, now they asay that any purchase will be assessed interest regardless when you payit off unless you pay the entire balance including balance transfer. 
Naturally, this makes a balance transfer not very worthwhile. This doesnot seem what law intended.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have repeated ACH transactions being taken out of my checking account with Capital One bank. I have opened disputes with Capital One on these transactions but they have been denied. The reason for the denial is that they have a policy that disputes must be initiated within 24 hours of the transaction. Unfortunately I am not able to log in and check my account every day, so my disputes are denied. Some one at a company called XXXX is stealing money out of my bank account, and Capital One will not help me with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I do not now nor have I ever had a credit card with Capital One. They are falsely reporting that I had a XXXX XXXX credit card managed by them. They are reporting a {$750.00} credit limit with a {$2000.00} balance. I have reached out to them over the course of four years to attempt to clear this matter, and they have not acted. Each person assigned to my case ends his/her tenure with Capital One due to their company downsizing, and my dispute has never been resolved. Basically, it seems to come down to they are too big of a company to be held accountable for incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX reported my credit card ending in XXXX as 30 days late for XXXX 2016. I made my payment using the app. They had just upgraded the app with new features. I added a new bank account and made my payment using the new app. They called me a few days later telling me that my payment was returned. I told them that this was not possible. I asked which account did they use they advised of my old bank account. I explained to them that I added a new account. I explained that it must have been an error with the app. I made a new payment and was assured that I would not have a problem. I just checked my credit and they reported me 30 days late. I plan to litagate this matter. I closed all of my accounts with them. The agent I spoke with tonight admitted that he could see the mistake, however after he spoke with a supervisor he came back and said he could no longer get the item corrected and that I had to do a dispute. His supervisor advised him that my account is reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX of 2016 I purchased an XXXX computer at XXXX. By XXXX XXXX, the " new '' computer ceased to function. I took it to a computer shop & was advised to return it to the manufacturer. By XXXX XXXX, XXXX sent a XXXX return shipping label. The manufacturer 's paperwork states they revived it on XXXX/XXXX/16, " repllaced [ the ] motherboard '' & shipped it out on XXXX/XXXX/16. The " new '' ly repaired device did n't get to me until after the 2016 XXXX XXXX weekend. From the second week of XXXX 2016 until XXXX/XXXX/16 at least service tech calls were made to XXXX XXXX XXXX while trying to sign on to XXXX. On XXXX/XXXX/16 an XXXX XXXX XXXX Support Tech tpld me " the problem is your computer '' On XXXX, I requestd Capital One to chargeback this purchase after XXXX told me I had gone past their return deadline. On XXXX/XXXX/16 Capital One reapplied my purchase amount. On XXXX/XXXX/16, with no explanation as to why, they changed their mind. On XXXX/XXXX/16 I had to purchase another computer. Total Cost : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I did not apply for this in any way and they have a bunch of mashed up info about me when I looked what they were asking me for .... 
XXXX Thank you, Your Lightning Fast Loan Processing Customer Support XXXX XXXX Fax. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
re CFPB CASE NUMBER XXXX I RECENTLY CLOSED A BP VISA CREDIT CARD ACCOUNT AND FILED THE ABOVE REFERENCE CLAIM WITH THE CFPB. I RECENTLY RECEIVED A FORM LETTER FROM SYNCHRONY BANK WHICH I ASSUME THEY SEND TO PLACATE THE CFPB. IN THAT LETTER THEY STATED THAT THEY DID NOT RECEIVE A FINAL SETTLEMENT PAYMENT OF {$1900.00} AS OF XXXX XXXX, 2016. I MADE THAT PAYMENT BY CHECK ON XXXX XXXX, 2016 -- THE DAY I CLOSED THE ACCOUNT. MY CHECKING ACCOUNT WAS DEBITED FOR THE AMOUNT ON XXXX XXXX, 2016. YET SYNCHRONY BANK SAYS THEY STILL HAD NOT RECEIVED THE PAYMENT AS OF XXXX XXXX, 2016. THYE ARE OBVIOUSLY RUNNING A SCAM TO RUN UP LATE FEE CHARGES. I WILL BE SENDING ALL SUPPORTING DOCUMENTATION TO SENATOR XXXX XXXX SO SHE UNDERSTANDS WHAT THIS BANK IS STILL DOING TO CONSUMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Conns Credit Corp is reporting a late payment on my credit reports in violation of FCRA 623 a 7. They never sent out a bill or Notice as required under FCRA 623 a 7 to notify me that they were and had reported a late payment. I requested that Conn 's Credit Corp not call me because they violated the TCPA and I requested that they stop all other communication except in writing and they never and still do n't send out invoices like I requested from them in writing and over the telephone. I have all receipt of my payments and none of the copies of my payment receipts show that they were over 30 days late. I never received any mail from them about late payments, when they are reported, how they are reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After checking my credit report there was a line showing an open account with Synchrony Bank/Amazon with a balance of over {$1000.00}, but only reporting to XXXX credit bureau. I contacted the company asking them to update and remove the account. They said the debt had been verified as mine, because I had disputed it before and never received a letter of validation, the company also would n't disclose when they sent the letter of validation, and has never attempted to contact me to continue to collect on the debt that is supposedly owed.

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 2016-09-26
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Other

Complaint:
I had a walmart/synchrony bank credit card.. always in good standing.. never late on any payment..i recently paid the account off 2 weeks ago in full.. my credit limit had been XXXX today i received a letter stating Synchrony Bank was lowering my credit limit to XXXX because of a credit score of XXXX & derogatory collection of XXXX from a medical bill ( paid in full by my insurance company ) ... they told me they do not have an appeals process and i need to contact transunion who is currently disputing the medical collection issue.. i was told by XXXX my credit score was never XXXX and in fact is currently over XXXX ... i would like this information this bank is reporting to my credit to be corrected asap..as its really destroying a good customer and never gave them any issue in repayment.. i have closed this account down, however if it can be reopened at what my credit limit was.. i would be open for that as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
This is an official complaint on BMW Financial Services XXXX XXXX. Approximately around the month of XXXX 2014 I traded in a XXXX Lease at the XXXX XXXX BMW dealership. Upon communication between these two institutions XXXX dealerships ) it appears that the payoff amount gathered was incorrect and grossly miscalculated. The amount supplied by XXXX XXXX XXXX to BMW Financial was short approximately {$6500.00}. At the time of the transaction taking place none of this information was disclosed to me as these XXXX entities communicated with each other accordingly as their processes are internal within the financial departments. Therefore, due to their lack of accuracy and efficiency I have an outstanding delinquent amount due that is being reported on my credit. I have made numerous attempts with the credit reporting agencies, along with numerous communications with both dealerships XXXX XXXX XXXX & BMW Financial XXXX to no avail. This is seriously placing a blemish on my credit report and as a business owner this is also inhibiting future growth and expansion. 
Your prompt attention to the severity of this complaint would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone made several puchases in the back of my morning coffee in a local gas station On the run. XXXX? I noticed it on my banking repoRonnettart. Credit report company XXXX credit monitering. A PNC employee contacted me on an odd line. Credit and XXXX othe companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
The XXXX medical bills that are open collection on my credit report are false. I included ALL my medical bills into my bankruptcy. The dates that they are giving are false. These XXXX account were open way before my bankruptcy. Which is like a year or two before my bankruptcy. If I am force to get documents then I will begin getting the paper from the doctors office showing when the account were originally opened. These company 's should not be able to just keep renewing the old accounts so that they continue to stay on someone credit file and be eligible to keep harassing people after a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I need for the following address to be removed from my credit report XXXX, SC, XXXX. I have filed an identity theft complaint with the US Postal Inspection Service regarding fraud being committed at that address. It is a violation of the FCRA for you to refuse to remove an address from my personal credit report that I state that is incorrect or that has been used to commit fraud. 

I need for this address to be removed ASAP or else I will progress this case further past the CFPB. I have attached the identity theft report and my drivers license. This is a discrimination and is a violation of my constitutional and civil rights.

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 2016-12-15
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello my name is XXXX XXXX, I have disputed a false collection account with all XXXX credit bureaus. XXXX still has n't removed it. the account is from TRIDENT ASSET MANAGE .I am in the process of a home purchase and can not move a long in the process. I have attached a fraud affidavit i filled out. my phone number is XXXX. email address XXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief