BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-04
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
File an complaint on my credit card account number XXXX the was cutoff because the balance over charge monthly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX 2015. 
XXXX XXXX Bank Account ending XXXX is showing past due for XXXX and XXXX 2015I have been paying these monthly through XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I began trying to modify my mortgage in 2010. During this time CitiMortgage has repeatedly asked me for the same information over and over. I submit the information they request always within the deadlines that they provide however they take so long to review that then they need new updated financials etc. It 's a vicious circle that I have been in for over XXXX years! 
This year I was told over the phone that I qualified for a modification but I have yet to be given my three month trial period or sent the modification package. Instead I am told they are continuing to review my file. All I have asked for is a reduction in the interest rate to the market rate. That alone will make my payments affordable. 
I was not behind on any payments when I originally approached CitiMortgage asking for assistance. I was proactive and tried to prevent myself falling behind. However the financial crisis continued and I eventually did have to miss payments during this ordeal. I have continued making payments when I can however Citi applies these payments only to the interest due thereby increasing the principal amount due. I have asked for them to properly credit my payments and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an item from Best Buy using my Best Buy credit card. I paid the amount due in full on XXXX/XXXX/2015. The payment of {$100.00} was issued through my online services at XXXX. 
The account number for my Best Buy account had not been updated on my online services account with XXXX, so the payment went to Best Buy but to my prior account number. Best Buy now claims that I have not paid and my account is now in arrears {$240.00} because of accruing late fees. I have contacted Best Buy and they will not speak with you regarding this issue and refer me to their bank which is now Citibank. I contacted Citibank and submitted my proof of payment to their Payment Research Department. I continue to get statements saying the account is not paid. I spoke to " XXXX '' in " Escalations '' on XXXX XXXX and still the matter is not resolved. I have no way of resolving this because clearly the issue is inter-bank. I made a payment to Best Buy which was sent to my old account number XXXX and should be posted to my current account number XXXX, It is egregious that Best Buy offers no consumer protection to their credit card users as clearly they are the entity that could easily resolve this by having the payment credited to the correct account number. The continued billing and late fee surcharges have escalated to the point of harassment. I paid this account in full before its due date and yet I continue to be harassed because no one seems to want to do the work on their end to get this matter resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: BAM Management US Holdings Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Beginning in about XX/XX/2020 I downloaded a cryptocurrency exchange/ wallet called Binance.US. I added my bank via ACH transfer to The BinanceXXXX XXXX, deposited money and began to trade cryptocurrency. I was able to sell the cryptocurrency then withdraw money ( USD ) back into my bank account with no problem other than them holding the funds For 10 days before releasing it to my with some lame excuse. After months of using the platform I began to trust the company and started to accumulate digital assets on a larger scale then my prior {$20.00} transactions. Over that period of time Ive accumulated a little over {$3000.00} by Making {$100.00} deposits here and there and purchasing bitcoin with the money. It was when my account had risen to the {$3000.00} mark that they stopped my trading privileges. This includes the inability to sell, convert or transfer my cryptocurrency into another wallet. Freezing my cryptocurrency purchasing and selling privileges Is a judgment on their part and they have no Obligation to let me do so, but the problem lies in that they will not let me transfer my said bitcoin into any other external wallet or cryptocurrency account. Binance U.S has also frozen my United States dollars in the same fashion, where I am unable to transfer or withdraw my money. Ive sent 22 emails over the course of four days to their customer service department. Subsequently, after my10th email I got a response from a customer service representative calling himself XXXX XXXX who assured me that he Has submitted the report to unlock my frozen privileges, and that he would be in contact when it has been finalized. This has dragged on for several days now giving them the ability to financially gain from freezing my access to my cryptocurrency or United States dollars. Over the course of this time bitcoin has risen to over {$40000.00} Which they can manipulate to profit from doing this to me and their other customers.This whole thing isnt adding up and I fear the worst. Being as though I added all my money to their account transferred through XXXX XXXX or ( XXXX ) There is a record of every dollar that they received. Ive never transferred any of the cryptocurrency I purchased to any other external account, so I have no real evidence that it ever existed at all. I would greatly appreciate the help of getting my money back from Binance U.S.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX people are XXXX and XXXX you like a dog. I started trying to communicate with XXXX. My credit limit was XXXX. Why is it XXXX?? No one wants to tell me. I am willing to pay my credit limit as an in full payment and am told no. I am also threatened with legal action and XXXX has sent v this to an attorney. The attorney says that in order to settle for just my credit limit that XXXX wants my income, my bank information, my utility information, my drivers license number etc ... information they are not going to get nor are they entitled to get this info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have been a customer 10 years. first time i am late. ex huaband is on loan not being contacted only me contacted citi to report not only tenant breach and defualt of lease but vandalism to my home making payments very hard to make. 
Pleae have someone call me to in an individualized way handle all this. 
I will pay XX/XX/XXXX when i can. i asked for a non one size fits all approach and i got exactly that. 
please contact XXXX at XXXX as i have asked for the payments.

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 2021-01-09
Company: Experian Information Solutions Inc.
State: IL
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:
I opened a dispute with Experian about a collection that was XXXX - XX/XX/XXXX from the Department of Veteran Affairs. They changed it to past due during the months of XXXX - XX/XX/XXXX and collection in XX/XX/XXXX. And then also added collection in XXXX and XX/XX/XXXX. This account was closed in XXXX. The XXXX collections are fake and theyre wrong. This should be removed immediately. I dont know why they lied and made up a collection when the account has been closed for 4 years. 

Dispute info : Report XXXX XXXX generatedJun XXXX, 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 2020-02-08
Company: AmeriCollect
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CITIBANK, N.A.
State: IA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out loan thorough Best Buy c.f. for no interest if paid before XXXX 2015. I set up payments through bill pay at my bank to insure prompt complete payment. For some reason, the last payment was short something like {$0.00}. I hear nothing more for 3 months until I happen to see an e-mail from Citi Bank and a bill for {$160.00} and change. I call to see what the problem is and I do speak to plenty of people at the bank. They were quite gracious in reducing the bill to {$120.00} and change. I now realize that there were calls on answering machine that were unintelligible, and this was probably them, but I still do n't know.

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 2016-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2016-12-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
i paid several companies a large sum of money for an at home business.to make a long story short i was XXXX was shocked when i called my XXXX card and they told me they could not help me.in XX/XX/2015 i paid XXXX XXXX and XXXX charges of XXXX XX/XX/2015 i paid XXXX XXXX charges that added up to XXXX i paid XXXX XXXX charges to XXXX explained to my card company that i was not rendered any services at all.i was told i had 540 days to dispute these charges as charges for undelivered goods and services.these companies also violated the telemarketing and consumer fraud and abuse prevention act.this all fell on deaf ears. if these laws are in the books should my bank follow them.i think my bank is not treating me the way i should be legally.with all my claims and defenses how can my card treat me this way.how can a company like XXXX do business with these merchants.i would like an explanation from my card as to why i was turned away.i forgot to mention to the bank about scamming the elderly another crime. needless to say i am very confused about my situation with 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
Consumer complaint received 2016-11-15
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citibank advertised a promotion for its XXXX co-branded with Sears to provide a 10 % statement credit for purchases cumulatively exceeding {$300.00} and made at gas stations, grocery stores, and restaurants in XXXX and XXXX, 2016, specifically stating : " For total eligible purchases of {$300.00} or more each month XXXX/XXXX/16 - XXXX/XXXX/16 up to a total statement credit of {$100.00} each month. '' I registered for the promotion on its first day and spent over {$1000.00} in each of the XXXX and XXXX billing cycles at gas stations, grocery stores, and restaurants. Citibank, however, has credited me only the first {$100.00} statement credit and is refusing to provide me with the second.

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 2016-07-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am five days late paying my Macy 's card. I have told them I will pay them when I get paid, and have told them the date. They continue to call me anywhere from 4 to 6 times a day and they use two separate numbers to call me with. One number is XXXX and the other number is 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 2017-02-04
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XX/XX/XXXX I received a bill from Fidelity Creditor Service. It was for a service on XX/XX/XXXX from XXXX. I never received a bill from XXXX. My Insurance, Was suppose to pay all bills. It turns out, once I looked into this, XXXX sent the bill to the wrong address twice and then sent the bill to collections. So, on XX/XX/XXXX I received the letter and the next day we inquiried with Fidelity Creditor Service about what this bill was for. They told me it was From XXXX. So I asked them to send me the bill from XXXX so I can see what services where provided for and what my insurance did or did not pay. The letter from Fidelity Creditor Service said that I had XXXX days from receiving the notice I received to question this bill. So I wrote to Fidelity To question this bill. 

Today I had my credit check on XX/XX/XXXX and I was informed that Fidelity Creditor Service put a XXXX mark on my credit report to XXXX of the credit bureaus on XX/XX/XXXX. Not sure how or why they did this since the letter they sent me was dated XX/XX/XXXX and I received the letter on XX/XX/XXXX, but Fidelity Creditor Service XXXX the Credit bureaus a late charge on XX/XX/XXXX almost XXXX month before I even received their letter letting me know about this Medical Bill. 

So, how do I get this off my credit report? 
Since, once I found out everything and verified what this bill was all about, we paid the bill. 

How can this company ding my credit before I even new about the bill? 
How do I get this off my credit rating? 
How can Fidelity Creditor Service even ding my credit even before they sent me anything. 
Also, I was charged {$120.00} in interest from Fidelity Creditor Service. How can they charge me interest for a bill that I did not even know about? 

Looking forward to hearing from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XXXX I made a withdrawal to my Coinbase BTC wallet! Coinbase crashes which is not my problem and I still have bot received my BTC! It is stuck in a pending state BTC is never stuck in a pending stage for two days. 

I have reached out to support with no response I have had two other small transactions go thru but this large sum transaction I am waiting on! This is illegal for a company to keep your money!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a credit report from Transunion, XXXX, and XXXX and they refuse to give me a credit report after I was denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
yes i have a car loan out with ally.on my credit reports does not show im makng on time car payments??? like too know whynot???? should show on XXXX reports

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 2015-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted a dispute 2 months ago and have not received a resolution. I included my current drivers license as proof of residency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
My Macy 's XXXX card was used to make fraudulent charges in XXXX of 2016. Someone used t apporx. 5 times to purchase amazon gift cards. I made a complaint and within days the charges were credited to my acct. 
Macy 's closed the acct for me and set up a new XXXX. On XXXX XXXX, 2016 I purchased items at Macy 's in XXXX, XXXX 
When I received my statement I noticed that on the same day I was physically in the store in XXXX, XXXX that someone purchased something in XXXX XXXX XXXX, XXXX at Macys with my acct in the XXXX of XXXX. 
I called again, they closed the acct changed it to now a third acct. They said the check was in the mail. I said great, please close this account all together bc I do n't feel comfortable with the amount of times it 's been taken. They closed it, I have yet to get a check. 
I have called customer service 5 different times each call lasting approx XXXX120 minutes. I have yet to get the credit to my acct. I have been told the check is in the mail. I have been told the credit will show in XXXX to XXXX billing cycles, I have been told to call back and I have been disconnected by them. 
Today is the 6th time I called, 1st the fraud dept. waiting 48 minutes and they finally said the credit is on my old acct that I closed. It will take a while to send you a check. I was directed to call customer service to ask them to expidite sending me the check. 2nd call today 64 minutes. in length. I was told that the credit was given however bc there was a charge on the acct it should be just a zero balance. I explained how I have automatic payment and the card got paid off before ever receiving a credit, so I actually paid for the fraudulent charge. She directed me to call Fraud ... .the Dept I had previously talked to today for 48 minutes. I explained that I had been directed to Customer Service to haave the credit from that card sent to me. SHe put me on hold for 12 minutes, came back and said that she 's requested the check, however I have herd this before. I JUST WANT MY MONEY BACK. I WILL BE HAPPY NEVER TO STEP FOOT IN MACY 'S AGAIN AND HONESTLY XXXX XXXX SHOULD BE EMBARRASSED TO HAVE THEIR NAME ON A COMPANY 'S CARD THAT DOES N'T PROTECT THEIR CUSTOMERS. HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have filed a claim in early XXXX for unemployment benefits. Someone has been receiving my benefits since XXXX until present. I have made complaints by email in regards to this matter.I do have knowledge of how it is that has been receiving my benefits and want them to be jailed for this and others

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