BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-21
Company: Experian Information Solutions Inc.
State: VA
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:
Credit report shows a collection with a " XXXX XXXX  '' ( a collections company? ) allegedly related to an account with " XXXX XXXX ''. If that was a " store account '', then it is bogus as we have only opened one store accounts in the last 10-20 years ( XXXX, an account used once then closed in good standing, about 2016 ). When I disputed this entry on the report, Experian almost immediately declared it " Verified ''. I have no idea what procedure they used to verify, maybe just asked the alleged creditor? 

It is bogus and I want it off.

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 2016-07-26
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Balance transfer

Complaint:
Long time cardholder with CITI, no other accounts with them, always 'pay in full ' by the due date, except for a couple of times I forgot and missed by a couple of days, otherwise 100 %. Recently accepted a $ XXXX 'balance transfer ' offer, advertised as XXXX % until XXXX. When next bill comes in, I pay the balance down to $ XXXX and think nothing of it. Next month, same thing, and think nothing of it. This month I check the statement and they 've charged me interest. I call to ask why, and they inform me that " while the balance transfer amount is interest free, you are now charged interest on your " regular '' purchases " because your balance was not paid in full ''. Fortunately I check the statement to see this. 
This is fundamentally misleading, and they attempt to point me to the language in the CARDHOLDER agreement that says, " If you do n't pay in full on time, we charge you interest ''. Nowhere does it make mention of this in the offer of " zero interest balance transfer '', which incidentally they include with EVERY statement. 

They have, so far, refused to scrub off the interest, despite my 'non-balance transfer ' amounts being paid in full each month. Had I know this was how they would turn zero interest into 24.4 % interest, I would n't have accepted the offer. 
These guys are required to clearly post due dates, interest charges etc - this is a DELIBERATE effort on their part to benefit by most customers not knowing, and they certainly do n't tell you anywhere on the offer. 
I have paid the balance transfer and outstanding amounts off, and I am going to terminate the card as I will not do business with such a shady company. 
I would ask you guys to tell them they must make this in big, bold letters so people understand how they are trying to bait you into paying them interest.

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 2016-05-20
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Dear CFPB, My name is XXXX, living in XXXX, Florida. I am writing this letter to file a complaint about CITI bank customer representatives who intentionally misled me that resulted in my financial loss. 

I have applied a AT & T citi credit card on XXXX XXXX. The open bonus of this credit card is {$650.00} sign-up bonus! In order to get the bonus, you need : spend {$2000.00} in first three months and purchased a full price iphone 6S through a special link in my Citi account. Since XX/XX/XXXX to XX/XX/XXXX ( within the first three months ), I have had web live chats and phone calls with citi representatives to confirm that I had met all requirements. They kept saying to me that I have met the requirement and I can get {$650.00} open bonus again and again. However, after waiting three months, it did n't happen and I was told by CITI bank thenthat I have n't met the requirement of {$2000.00} spending. Thus, I believe that I was treated unfairly that results in my financial loss. 

I have enclosed the purchase receipt of iphone 6s by using this card ( ending XXXX ), and a web live chat transcript happened on XXXX XXXX, XXXX for your references. The audio record happened on XXXX XXXX, XXXX will once again demonstrate that I was confirmed by the citi representative that I have fully met the requirements. Therefore, I request to get the full bonus as the statement Citi promised. 

Sincerely, 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 monetary relief
Consumer complaint received 2016-08-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Just got an updated credit report and discovered that CITICARDS CBNA has evidently issued me their credit card. I have never applied for, called, mailed or sent any information to them regarding applying for their credit card, and I have never received the card I supposedly was issued. They also did a hard credit check in the process of issuing me this card

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 2023-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-21
Company: Experian Information Solutions Inc.
State: MD
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:
EXPERIAN has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of Experian and they state they can not correct the online information which keeps my XXXX XXXX low.

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 2015-04-25
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I recently did a refinance on my XXXX mortgage with XXXX ( I believe it was a HARP refi ) and they were able to get my interest rate down to 4.25 % from 6.75 %. This reduced my payment by {$500.00} per month ( Kudos to XXXX ). But the problem that I have is actually with my XXXX mortgage which is with Citibank. With Citibank, I am stuck in a 8.125 % interest rate loan with huge balloon payment due in 5 years. Over the past 10 years, I have only managed to pay {$5700.00} in principal against the original {$57000.00}. Aside from the {$15.00} in interest I pay on a daily basis, I ca n't see how I will make the balloon payment unless I win the lottery. The loan was part of an XXXX piggyback deal predicated on the market going up. When the market tanked, my house lost half its value and I am still underwater. When I called Citibank on XXXX at XXXX PDT I spoke to XXXX different representatives : XXXX, XXXX and XXXX. It was very confusing being transferred between departments. They kept asking for the same information which I provided XXXX different times counting the automated system. The end result was XXXX telling me that Citibank ca n't help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone got the hold of my credit card number and used it to fraudulently acquire items from several merchants. The total amount of the fraudulent purchases is {$7400.00} ( {$7100.00} with XXXX XXXX XXXX in XXXX on XXXX XXXX, 2015 and {$310.00} with XXXX XXXX on XXXX XXXX, 2015 ). Although I live in XXXX, my wife and I were out of town when those fraudulent charges were made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-08
Company: CITIBANK, N.A.
State: AK
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-10
Company: CITIBANK, N.A.
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 I opened a XXXX checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX XXXX miles to be deposited into my account by XXXX XXXX, 2015. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at the end of XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify unless I can find a postcard from SEVEN months ago showing the offer. I do n't keep mail around for seven months, and NOTHING was ever said over the past 7 months about needing to keep that post card. Now I have {$60.00} of fees and I will not be getting {$500.00} worth of XXXX XXXX. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient student loan pushed me into forbearance years ago, which lets me take a short break from making payments. Interest payments on the loans continued to grow during this time which is illegal. I started with a {$17000.00} loan back in XXXX and now the balance is well over {$23000.00} in XXXX! I feel I have been deceived and taken advantaged of and looking for COMPLETE financial relief along with the other XXXX XXXX people that they have scammed for making my life a living XXXX. This has put such a burden on not only me but my family who is trying to purchase our home to raise a family but these CROOKS seem like they " Stealing '' the American Dream, no pun intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a new checking account with Wells Fargo Clear Access Banking & A regular Checking account because of the previous fraud that took place on my Wells Account & now you guys refuse to let me open a checking account, i really love this bank. I funded my clear access bank account & received two emails stating my accounts will be closed. 

Wells, please help me out here. love this bank

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 2021-12-21
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX  XXXX was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.

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 2021-12-21
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX  XXXX was settled and XXXX {$230.00} Confirmation # XXXX XXXX said it would be fully removed from my credit reports in 30-60 days. It still hasn't been removed. I demand removal ASAP as it is impacting my credit scores and my ability to get my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX has inaccurate ONLINE information which reflects a negative on my report such as my Student Loans and Car Loan Information. I spoke with an Employee of XXXX and they state they can not correct the online information which keeps my credit score low.

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 2016-10-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We have Macy Credit card since 2009. This week, we received a letter from Citi Bank that stated we are ENROLLED in Credit Protection program. You have to call # to cancel the enrollment. We thought that this letter is a scam so we called Macy directly about it. We talked to the manager and complained that this is un-ethical business practice selling & charging customers service w/o their approvals. The manager offered connecting me to Citi. I told him that I am your ( Macy ) customer - not Citi. So you ( Macy ) are ok with this practice. He offered again to connect me with Citi Bank. 
So basically Macy knows of the un-ethical business practice from Citi and did NOT do anything to protect its customers base. No comments from the manager ... and again offered to connect me to Citi for cancellation. I told him that you just lost a customer. 

We are cancelling Macy card.

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 2016-07-23
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased concert tickets online. The tickets never arrived. The vendor told me repeatedly, up to 2 hours before the concert, that there was no record of my ticket purchase. The day after the concert, the charge showed up in my Citibank online account record. I reported this to the credit card company, Citibank, that I used to purchase the tickets. They, in effect, have taken the merchant 's side on this issue. Citibank sent me a letter asking me to provide documentation that I do not have and could not possibly have. They say : ". We have closed our investigation and reversed our credit. If you still wish to dispute this charge .... Please provide documentation that you were unable to print the tickets or denied access to the website. You should also provide evidence that you tried to download the tickets from another location such as a friend 's house or local library. Me may be unable to continue with your dispute without this information. '' The merchant " had no record of my ticket purchase '', and they made no effort to provide the tickets to me. They were supposed to send an email containing printable tickets - they did not. Two different representatives admitted this to me on the day of the concert. They told me that the only way I could get concert tickets would be to order new tickets and pay for them again. 
The amount of the purchase was {$100.00}, for which I have received nothing of value. I spoke with the ticket vendor three times on the telephone - they said that there is nothing they can do - in particular that they can not refund the credit card charge. I spoke with Citibank four times about this now. They say that the error was the merchant 's. However, they ended up charging my account for the tickets, and they insist that I provide documentation of something that did not happen.

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 2022-05-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX a person on XXXXXXXX XXXX agreed to buy my XXXX  and XXXX  me for it. They said they sent the money with an extra XXXX $ that needed to be refunded but it was taking a minute they were extremely persistent. Then they impersonated XXXXXXXX XXXX in an email to fraud me into sending the XXXX $ because the email claimed the money was on hold for protection, the email even had clickable things that brought you to the XXXX website so it seemed legit. I do not use XXXX enough to have known and after sending the refund to retrieve my money i got another email to send XXXX $ For a tax and vat fee and it alarmed me something bad had happened and i called the bank immediately within seconds and was told i was being scammed. They had already took the XXXX $ out of my account electronically and the bank denied me a refund claiming its my fault. No one is held accountable, but under law the bank should cover the fraud and refund me as they impersonated an institution via email. I cant seem to get chase to refund me although i have read with Regulation E for electronic banking that they should be held liable. The bank sent a mass email days later to watch out for scams and fraud but it was days too late and now I feel I am the first to bring it to their attention and thats why I cant get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Harassment from Navient- in addition to 3 calls received on landline XX/XX/XXXX Navient has called 12 more times in 4 days as follows : XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( rang 2x, cut off, called again XXXX XXXX ) XX/XX/XXXX XXXX XXXX The phone number they are calling from is XXXX though other unidentified numbers may also be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened my first credit card with Citi bank in XXXX, this was my only credit card for several years. I had a balance for meany years and finally was able to transfer the balance to pay it off. I stopped using this credit card because I did not want to have a balance on it, the last time I used it was XXXX XXXX. In XXXX of XXXX, I received a notification from XXXX that my score had changed, when I logged in online it stated that one of my account was closed, it was my Citi card I opened in XXXX. I was furious because I never received any notifications of my card being closed from the bank!. Especially since I worked in banking for about 3 years, I thought this was very unusual since a lot of products are grandfathered.I called Citi bank right away and said they sent out a notice ( which I never received ) and in order to reopen the card they would have to pull my credit. So now i am confused because they closed my card which resulted in my score getting lower and now they are pulling my credit which would further reduce my credit score. They then said they would send me a replacement card, BUT it was returned ( based on a letter dated XXXX XXXX ). That is weird because I have been received SEVERAL promotional mail to open a new credit card with Citi Bank. When I called back in XXXX ( I had gone to a XXXX ), the customer service rep said that there was no replacement sent. I asked if they could resent me a card and I was told my account was closed again!! So now I AM FRUSTRATED AND ANGRY! They tell me that I would need to have my credit pulled AGAIN in order to determine if they could reopen it. So this is a 3rd strike on my credit because of Citi bank, and now they say that I CAN NOT reopen that card because of my credit!. This seems unjust and unfair because I was left with no option and at the mercy of Citi BANK! please help me reopen my credit card

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