BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, I have been banking with Wells Fargo for over a decade. Within the past 2 years, my grandfather started me sending me money in fairly frequent increments. Rather than using a new age, free transfer system, he uses old fashion wire transfers because he is over XXXX XXXX XXXX and this is what he prefers. 

Each time he sends me money, Wells Fargo takes a {$16.00} service fee. Over the past 2 or so years, this has added up to {$490.00} dollars in fees, to run a process with little to no costs to the bank. I asked to have some or all of the funds refunded because these fees are incredibly excessive, but they were unwilling to do so ( they actually were willing to refund some of the money over the phone but then none of the money over email/messages, which shows poor process control and an arbitrary system of refunds ) This feels excessive. They are basically taking money from my grandfather since he is too old to learn how to use new systems. Feels like this matches a pattern that Wells Fargo has exhibited the past few years of taking money from clients in made up fees.

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 2016-01-21
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have sent 5 messages regarding my Macys Private Label Card to Citibank ( after logging into Macys.com and being redirected to their site ) asking them to lower my credit limit after an automatic credit line increase they gave me towards the end of last year. I asked them to lower the line to {$2000.00} and to not do automatic line increases. I have never received a response from them after all the secure message and tonight I called them and was on hold for over an hour before hung up. They are messing up my credit score and I want this resolved NOW. They should be fined!

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 2016-11-18
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been receiving notices from Macy 's via email since XXXX concerning a credit card statement. I have repeatedly notified them that I do not have a credit card with this company nor have I ever had one with them. I did have an online shopping account. In XX/XX/2016 I started receiving late payment notices concerning a credit card payment via email from Macy 's. I once again contacted the company via email and phone that I did not have a credit card and after all this I will never get a credit card from them. I did log into my online shopping account and noticed XXXX credit cards were listed on the account, none of them were mine. I notified Macy 's customer service who after a couple of months did close my online shopping account but that did not resolve the problem of me receiving the credit card statement notifications. I also requested that any reference to my email account be removed from their database, but that is obviously too difficult of a task for them to complete. I have now filed a formal complaint with the FTC and with the CFPB.

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 2015-06-17
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Approximately XXXX months sgo I paid off in full XXXX mortgage with citimortgage. Last month I received a hardship letter request from citimortgage. My wife called citimortgage and they assured her it was a system glitch and it will be taken care of. Today I recriver from citimortgage a hamp and need to respond by XXXX XXXX or a foreclosure sale date may happen. I called citimort gage extremely upset. Talked to XXXX a floor manager. He too said it was a glitch. The only person to handle it was a operational manager bit refused to give out OM info including last name, phone number, or email. Stating it is against cit mortgage policy to give out such information. Also stated I 'M does not make external calls to customers referenced I 'M does n't have access to customer accounts. Keep in mind our mortgage with Citi is paid off in full! All this frustration XXXX CFPB letters sent to us ... we ca n't get anywhere with coti. Afraid a foreclsure sale date may occur on our account now. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Notwithstanding several attempts to have the below corrected since XX/XX/XXXX via telephone complaints/request to Macy 's credit ; to date, I have received no replies or corrections. 
XXXX Re : Macy 's credit card number XXXX As communicated in my call to Macy 's Credit Services of XX/XX/XXXX , that my Macy 's credit account which is my oldest credit reference is not being reported by XXXX, XXXX nor XXXX. Said account is reported as closed by XXXX. 
Per your request on XX/XX/XXXX, this is my written request to have my credit reference of this trade reported/updated correctly with all the applicable credit bureaus. 
Attached you will find a copy of my most recent XXXX report which corroborates this issue. 
Please confirm execution. 
Thanks for your assistance. 
Sincerely,

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 2016-07-19
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I ordered food from a local restaurant that I have done business with for 8 years. They refused to accept my credit card stating that I had disputed a previous charge. I never disputed any previous charges. They have provided documentation that proves my credit card issuer ( Citi XXXX has stated that I did dispute the claim. Citi never billed me for the order in dispute, but now Citi wo n't take claim or help me clear my name with my local restaurant as they say the transaction never happened and they did not send the charge dispute form.

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 2016-02-25
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
Re : Sears Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Citibank made a deal to make $ XXXX monthly but they do n't send any statement to show how much owing and to send payment. Instead I am supposed to call XXXX XXXX XXXX, but when I call at least two or three robo phones scrutinize a/c number, ss number and then call goes to XXXX, spending there 10 minutes, and then call comes back to USA. You have to repeat all your info at least 3 or four times, wasting one hour. Citibank should send me statement every month and give me a chance to mail check to them.

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 2021-07-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I filed a complaint against Equifax because of the results of their investigation with a dispute I have with XXXX XXXX XXXX, Complaint # XXXX-XXXX. I have provide numerous documents to support my claim that XXXX XXXX is not reliable with their information. I have proved that they have told over 14 completely different versions of this debt. Despite this I get a letter from Equifax today saying they are not going to re-investigate my dispute. They know that XXXX XXXX is reporting false information. I have proved that XXXX XXXX is reporting false information. They have told XXXX, XXXX and Equifax completely different versions of this debt. XXXX XXXX told three different versions of this debt on the same day to Equifax, XXXX and XXXX. I proved this to Equifax yet they say they are not re-investigating ( See attached letter from Equifax. ) If the CFPB refuse to do anything about this my next complaint against Equifax will be with the CA Attorney Generals office because what Equifax is doing is illegal. They are knowingly allowing XXXX XXXX to report false information. I have proved beyond all doubt that XXXX XXXX is not credible yet Equifax continues to let them report their trade line on my credit report. XXXX XXXX told Equifax 6 completely different versions of this debt and yet Equifax continues to let them report their trade line on my credit report. The CFPB is also aware of this proof and they have done nothing about it. I have uploaded document after document with my complaints that prove what I say yet the CFPB has taken no action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company by the name of Financial Asset Management System keeps calling me to " collect a debt '' for an XXXX ( completely different last name ) ). My first name is XXXX but the last name is completely different than my current name or my maiden name. I do not have any outstanding consumer debt. I have told them on multiple occasions that I am not that person and to take me off their list. They still call me and a similar number is also calling my minor son 's cell phone. I have checked my credit reports to see if there are any identity fraud issues and there are no red flags for that possibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My day began here at work on Tuesday XXXX XXXX, 2015. I got a call where I work not sure at what time exactly but it was an early part of my day. The receptionist contacted me and said it was an emergency call with urgency, making me think XXXX of my family members were in trouble or something. I get to a phone to take the call and it was a solicitor debt collection agency contacting me about my matter. I went over details with them to acknowledge my debt and all. After I concluded with them all while I 'm still at work. They follow up with me next day the XXXX and I 'm at work busy but they just expect me to go out of my way and drop everything to go over my debt again. Persistent as it seems I walk by the receptionist desk and they mention they keep calling where I work not exaggerating but XXXX times. As pursuant as possible those calls continue on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank has stolen {$15000.00}. On XXXX XXXX, 2017, I opened a new checking account at Citibank, and deposited over {$15000.00}. Citibank issued checks for me to write. I was able to login to my account and see my balance. However, a couple of days later, I could not access my account online, and Citibank refused to pay checks or online bill payments per my instructions. I have incurred late fees and my credit reputation has been damaged. I have contacted Citibank on XXXX separate occasions to address this issue. Citibank Customer Service told me that the account has " a hold block '' on it. Each time I have been transferred to multiple people, none of whom can explain why the account is frozen, or do anything to release the " freeze '' /'hold. ''

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 2022-11-15
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

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 2022-11-15
Company: Experian Information Solutions Inc.
State: GA
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:
Re : Complaint filed against XXXX XXXX XXXX on XX/XX/XXXX CFPB Complaint ID : XXXX XXXX XXXX XXXX ID XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Original Acct XXXX # : XXXX As it pertains to my CFPB complaint filed on XX/XX/XXXX with a Debt Validation letter to XXXX XXXX XXXX they are in violation of the law by not responding to the Debt Validation within a 30 day period pursuant to 15 U.S. Code 1681i - PROCEDURE IN CASE OF DISPUTED ACCURACY. As a result of this violation consumer reporting agencies must abide by the law and promptly DELETE this unverified and negative item from my credit file. SEE LAW ATTACHED and below.

15 U.S. Code 1681- Procedure in Case of Disputed Accuracy ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or DELETE the item from the file in accordance with paragraph ( 5 ), before the end of 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( AGENCY is the CFPB in this matter ) ( 5 ) Treatment of inaccurate or unverifiable information - SEE LAW ATTACHED and below ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or CAN NOT BE VERIFIED, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

NOTE : 1. The CFPB sent a notice to XXXX XXXX XXXX on XX/XX/XXXX that their response time is Past Due - SEE ATTACHED On XX/XX/XXXX I called XXXX XXXX XXXX to inform them this is not my debt and asked them to respond in writing to my complaint through the CFPB, they asked for my email address, rushed me off the phone and sent a settlement offer for a debt that isn't mine - SEE ATTACHED.

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 2017-04-29
Company: Midwest Recovery Systems
State: KY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law.  Midwest Recovery h as been reporting unverifiable and inaccurate information on my credit which has damaged my credit and I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Sears/CBNA is reported an adversed information on my account, saying it was 30 days delinquent XXXX XXXX XXXX XXXX when it should not have been. Sears sent out a statement to me some time in XXXX XXXX, but the mail was undelivered. I never received my statement and when I finally received a call from Sears, I made a payment right away. I have never been late and Sears have records of the mail being undelivered. I called twice to Sears to dispute this, but they say I have to dispute it with the Credit Bureaus, which I have. The Credit Bureaus did an investigation and it is still showing as an adverse account ( my ONLY XXXX with a negative mark! ). I am very distressed at the damage this is effecting my good credit standing. Because of this XXXX mistake on my credit report, I have been wrongfully denied credit recently for a refinance on my home, which was highly embarrassing.

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 2016-10-11
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Purchased an ebook from a website XXXX. It has a 30 day money back guarantee if we send in an email stating why we wanted the refund. I did send in an email stating why I was unsatisfied within the time frame and the website owner denied us our refund. XXXX XXXX at XXXX claimed that we had to do additional steps that I was not aware of. I was not aware of these additional steps because you can only see them AFTER they have your money. I then went through my mastercard citi bank card and filed a claim. The credit card company did not investigate my information that I sent in. They used the sellers information that was after I had purchased the product. Please advise how I can get my money back as Citi Bank MasterCard did not do a thorough investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: UT
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:
In XXXX and XXXX XXXX  XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX  XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act

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 2016-01-08
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
When my new Citi XXXX was opened in 2014 it was opened with electronic statements to be sent to me via email. At the time it was opened I did a balance transfer, the email address Citi had on file was not correct, causing the account to go late and subsequently past due. During this time Citi made no effort to contact me for updated information, even when the first payment was missed there was no attempt to reach out. Upon recognizing that my account had no only fallen past due but also had reported a late payment to my credit report I contacted Citi and make the necessary payments to bring it current, paid the late fee, updated my email address ( see attached email confirmation ), and setup auto payment to assure that this would not happen again. When I spoke to the associate and inquired about removing the mark from my credit report, I was advised that I would need to request that in writing and the associate was not able to assist. I then contacted Citi via their website using the " Contact Us '' option and requested, I received a response telling me I needed to call in for that which was in contrast to what I was told before. I called some time later and was told that they could not remove the mark because it was too old, this is why I am now reaching out to the CFPB, I feel that Citi failed to provide me with a timely statement, failed to contact me once they realized that the email address they had on file, and failed to correct the problem once I called by passing the buck instead of owning the problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I WENT TO MACYS TO BUY SOMETHING, AND I WAS APPROACHED BY A SALES ASSOCIATE. SHE TOLD ME THAT SHE HAS A MACYS STAR PASS FOR 20 % OFF MY PURCHASE AND THAT I NEED TO GIVE HER MY NAME AND SOCIAL. I EXPLAINED TO HER THAT I AM NOT INTERESTED IN A MACYS CREDIT CARD, SHE SAID THAT IT IS NOT FOR A CREDIT CARD. THE SALES ASSOCIATE GAVE ME A MACYS STAR PASS AND I BOUGHT BABY CLOTHES AND A QUILT. A MONTH LATER I GOT A BILL OF A CREDIT CARD FROM MACYS. I HAVE NEVER RECEIVED A MACYS CREDIT CARD AND I WHAT I BOUGHT THAT DAY I PAYED IN CASH AND I USED MY MACYS STAR PASS. NOW MACYS IS SENDING ME BILL RECEIPT STATING THAT I OWE THEM. I WENT TO MACYS TO SPEAK PERSONALLY WITH THE SALES ASSOCIATE WHICH I WAS TREATED VERY BADLY AND I AM STILL DEALING WITH AND STILL BEING BILLED.

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