BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I purchased an appliance from Best Buy and used their offer of charging the purchase on my Citibank Best Buy credit card which offered no interest for 18 months. I waited for my bill to arrive and had budgeted the money to pay the bill. No bill arrived when expected, so I thought that it was simply delayed in the bureaucratic pipeline. I contacted them after realizing that it had been much longer than reasonable to receive the bill. They charged that I had requested a paperless billing and that the bills had been sent. I may have made the request, but I had received no bills, paperless or otherwise, and no phone calls either. I initiated the contact and discovered that my {$680.00} purchase was now a {$740.00} charge due to late fees. I XXXX, so I am confident that if any emails had been sent, even if they arrived in my spam folder, that I would have gotten them. I believe that it is possible that the creditor is making a practice of not supplying the proper statements to the consumer on time so that they can collect fees in lieu of the promised interest-free charge. I believe that there is an element of fraud in this practice. Any creditor would notify a consumer by phone if they were not receiving payment for a period of two months! I had no phone calls from Citi Best Buy MasterCard concerning any matter, least of all an account that is 2 months in arrears! I might have gone on accumulating late fees if my wife had not asked me about the account. I went online and registered the card account and found what they were charging me and of their claim about paperless statements being sent. The person with whom I communicated, XXXX XXXX, said that she could not ( or would not! ) deduct the late fees until I paid the bill : and she would only credit half the fees, not all of them. I paid the account in full that very day, including the disputed fees and requested the account be closed. My credit history is a tribute to my ability to pay ALL my bills on time. It seems to me that a creditor 's ability to collect late fees on an interest-free credit agreement is a great impetus to make sure the consumer does not receive the billings on time. How long would they have waited to contact be because the account had gone unpaid? As it is, I paid an extra {$62.00} for the interest-free purchase. Maybe that is a small price to pay to learn about the credit practices of this company. How many others have been, and will be, defrauded by this practice?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX, I phoned in my XX/XX/XXXX payment and I was told that I am still one payment behind when I questioned them about the statement still showing due for 2 payments and also accumulated late fees. The payment in question, is my XXXX XXXX payment, which was XXXX of the 3 month trial payments for the modification. This payment along with XX/XX/XXXX and XX/XX/XXXX payment was phoned in on XXXX XXXX, XXXX. I was asked to send in proof of this payment, which has been done numerous times, but I still sent my bank statement showing the money coming out on XXXX/XXXX/XXXX. Spservicing also responded to my complaint filed with you XX/XX/XXXX that my loan was current and only due for the XXXX/XXXX/XXXX payment. Refer to case # XXXX. They were also suppose to fix my credit report which they have not done as of today 's date. I was told they are reporting me a rolling 30 day with accumulated late fees which I am refusing to pay because I was never late and have never missed a payment. After they applied all of the payments received in XX/XX/XXXX, I had an excess of escrow payments which they did refund to me and I also have XXXX in unapplied payments. If I truly missed this payment, how could all of this be possible? Proof of this XX/XX/XXXX payment was faxed again on XX/XX/XXXX and I also followed up with a phone call that it was received and in their possession. 
It is sad, because when you speak with their representatives, they think that CFPB is a lender and NOT the consumer financial protection bureau. I never had a problem with them, when I was paying at a rate of 5.875 % on an adjustable rate mortgage. As soon as I was granted the modification, that is when all of these problems started for me. I feel that there is some discrimination going on here as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
On XXXX XXXX, I requested my free credit report from Experian using their webform, and received the following error : " We 're sorry '' / " A condition exists that prevents Experian from being able to accept your request at this time. '' / " To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. '' I mailed a request the same day, on XXXX XXXX. On XXXX XXXX, I again tried to retrieve my report using the web form, and received the same error. ( I can not recall ever, since the first launch of the free annual credit report site, successfully retrieving a report from Experian online. ) It has now been more than three weeks since I mailed the paper form, and no paper credit report seems forthcoming either. I understand that Experian is required to comply with my request within 15 days, but I allowed 3 weeks as suggested by the CFPB site. At this point I am going to try again, sending the form by Certified Mail. I do not feel that I should have to go to such lengths to obtain what the law says Experian must provide me.

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 2021-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I contacted XX/XX/XXXX on various occasions, trying to resolve a matter, it took them forever to do so. I filed a claim no XXXX, XXXX, XXXX, XXXX with my bank being Wells Fargo and I was granted credit, I am aware that if bank filrd claim for you that I am responsible for that claim. Any individual that is logged in, is in the banks hands. Banks don't file claims if credit has been credited bt merchant, there is just no way. They can't talk, or point out a issue of this sort immediately. Very, IMPOSSIBLE, why am I being held liable for Wells Fargo ERROR. I want my checking account in good standing. I have banked with with Wells Fargo for 2 years now goin going on three. I am requesting for my checking account ending in XXXX, to be brought back to normal status. I don't want to loose my bank account because of Wells Fargo ERROR. This action is not legal, I have been customer for a couple of years, and I never had this problem. I strongly believe that I am being misjudged, in every way possible.

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 2016-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was married and we had a joint mortgage through XXXX XXXX XXXX XXXX in XXXX XXXX, TX. I got divorced in XXXX 2013 and the house was refinanced by my ex husband IN HIS NAME ONLY in XXXX or XXXX of this year. I 've tired for 3 months to get the remaining balance of {$140000.00} OFF my credit report and the credit agencies keep telling me it is my responsibility even though the credit union shows no record of me on the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, I discovered a series of fraudulent charges on XXXX credit cards ( all were department store cards ) totaling close to {$5500.00}. As soon as I learned of the fraudulent charges I contacted all XXXX department store card issuers which includes Macy 's. XXXX of the XXXX credit card issuers immediately provided provisional credit and resolved the issue within 10 days. It has now been over 100 days and Macy 's still has not credited my account or provided any updates on the resolution of this matter. As stated earlier, I contacted Macy 's on XXXX XXXX to inform them of this error. At the time, they stated I would receive a statement of fraud in them with 5-7 days. After 10 days, I had to contact them again to check on the status of the statement of fraud as I had not received. It took another 7 days to receive and I returned via mail ( as requested ). On XXXX XXXX, I contacted the Macy 's Fraud Department to check on the status on my claim. At this time, I was told that they did not receive the statement of fraud ( or could not locate ) and I was asked to fax the statement of fraud. As requested, I faxed the statement of fraud directly to them and was told that it would take 30-90 days to resolve. Keep in mind, that I originally mailed the statement of fraud in XXXX. I asked for confirmation of receipt of the statement but no one contacted me as I requested. On XXXX XXXX, I called again and to request a status and was told that it was it their system but there was no current status to provide. I was only told that it would be taken care of and not to worry. I was also told not to pay anything over the original amount that did belong to me which was a very small amount as my fraud claim would be rejected if I paid any of the fraudulent charges. I have continued to make minimum payments, as instructed, but I am now at the point where the minimum payment is more than what I owe. I called back again on XXXX XXXX, still no update. I am only told to continue to make minimum payments or I will be assessed a late charge - contradicting the previous communication that I received to not make payments towards the fraudulent charges. I am extremely frustrated by the lack of urgency or action on the part of the Macy 's Fraud Department.

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 2015-06-23
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every XXXX min at least XXXX per day.  I work during the day so I can't leave to pick up my personal cell phone everytime my phone rings. I have told this company before that it is to the point of harrassment since they call so frequently and NEVER leave a voicemail with this specific phone number. I have told them before to leave a message and I will get back to them when I am free.  But they have not honored my request.  They said it's an autodialer and they can't control it.  That doesn't make sense at atll!  I would love to call them every XXXX and hang up--see how they like it! Ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
On XXXX i was contacted by phone by XXXX financial group.They said I owed them {$880.00} from a debt that was given to their office in the year XXXX to collect. The original debt was for a payday loan from the year XXXX from Advance america in XXXX XXXX california. the loan was for {$300.00}. I asked for them to mail me documentation and she said they were in the process of sueing me for this debt and there wasnt time to mail it. she suggested that they email some info to me. I got the email and it said i need to contact them by mail within 30 days. They had told me on the phone that they were serving me court papers if i didnt make payment arrangements. i told her that the original debt was only {$300.00} and she told me there were legal fees. I know theres a statute of limitations in california of 4 years on debt. i believe XXXX know this and are illegally trying to collect this debt and im real worried there gon na get a judgement against me without me knowing. please help this debt is almost XXXX years old. i reached out to advance america when i originally fell behind and they refused to work with me with payments. I had not heard anything from them since, til now. They are trying to get a judgement against me for and amount i do not owe for a debt that is 19 years past statute of limitations.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Transunion has allowed XXXX to do hard inquires without my permission. I researched this company and it went out of business some time ago. 
XX/XX/2015, XXXX/XXXX/15 and XXXX/XXXX/15 hard inquires

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I believed that the Costco credit card transition would go correctly, based on their mailings in XX/XX/XXXX that said I would receive a new credit card and updated bill. I never received the credit card, and never received a bill. I finally received the first statement a few days before it was due, with no credit card. So I could not log in to pay it, because I had no card to activate to get to the account. I tried calling them, but was kicked off multiple times due to their high call volumes. Eventually I was able to talk to someone who processed my payment and said they would send me the credit card so that I could have access to my account. The cards and revised statement should have taken 5-7 days. I did n't receive them before I went on vacation, but saw that they had taken the payment. 
Almost one month after talking to them, I just returned from vacation to learn that my Citibank bill is 2 months late. Before I left for vacation, the person on the phone from Citibank said they would 1 ) process my payment 2 ) refund my late fee 3 ) send me the credit card ( which I still 2 months later have not received ) and 4 ) send an updated bill. 

The most recent notice ( received 5 days before it was due ) from them saying that I am months late ( although the payment was processed, it is n't on their revised bill ), will carry a late penalty and up my APR, I have no way of paying the bill without a credit card to get online. I have been kicked off numerous times by their automated phone call system which says that the lines are busy. It has been a week, and I still have n't managed to get through on the phone. I can not log in to pay the bill ( no credit card activated ). Now the statement said my bill was over one month due and that they were going to add ANOTHER late fee and up my APR, meaning that they contacted the credit bureau about my late payment. 
They took my money and are charging me late fees for an account I ca n't access, and I can not reach them on the phone.

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 2015-05-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX significant things. First, Citi failed to follow California law when dealing with my billing dispute ( which involved a vendor charging me but not sending me what I ordererd ). They claim that they do not have to follow XXXX law, however, the law clearly applies to a transaction between a CA vendor and a CA buyer. Second, while trying to resolve my dispute with Citi, they made over XXXX collection attempts, which included XXXX disturbing telephone discussion with a Citi collection agent who was very aggressive and threatending, and who indicated there was no record of any dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I had a XXXX XXXX Costco card which I had set up on automatic bill pay and rarely used. Recently, I noticed my credit score had dropped significantly and saw that it was for a Citi account which I had never opened. I contacted Citi asking what the account was connected to and they told me that my XXXX XXXX account was transferred to them and my auto pay did not transfer creating multiple late payments and severely damaging my credit score. I had recently moved so Citi may not have properly forwarded the information to me but when speaking with them they said the would not remove the late payments from my credit report because it was not the banks error. I am extremely dismayed that a company is able to have such business practices and additionally angry at Costco for letting this happen to their customers.

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 2016-07-07
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account ( from Citibank ) based on a promotion that I was targeted for. Once I met the requirements, I was to be credited XXXX XXXX XXXX points. The day I met the requirements, I sent Citibank a secure message asking them to confirm that I had met the requirements and I would be credited the XXXX XXXX XXXX points. Citi confirmed this, and said I would receive the points when my statement closed XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received the points. Every time I contact someone from Citibank in regards to this issue I get a different story. The first time, they said that I needed to provide them with my XXXX XXXX account number. After I provided them with the number, I still did not receive the points. I called in again a few weeks later, and was told by a supervisor ( XXXX ) that the case was still under investigation and I should hear something at the end of the week. I did n't hear back, so I called them again and spoke to a man named XXXX ( call center rep located in XXXX, employee ID number XXXX ) on XXXX XXXX and he confirmed that I would be receiving the points in " either two days or at the beginning of my next billing cycle ). He had also confirmed that Citi 's back office had confirmed that I was targeted for the offer. It has been several weeks later since XXXX XXXX. My billing cycle has ended, and I still have not received the points. I reached out to Citi again today ( XXXX XXXX ) and they still do n't have an answer for me. I 'm sick of the run-around and they do n't seem to care about giving me what 's promised. I have attached all supporting documents that I could find. Please help. 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 non-monetary relief
Consumer complaint received 2016-11-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have been charged for a " Payment Safeguard '' fee since XXXX of 2013 and I do not recall ever authorizing this benefit by Citi Card or requesting this.

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: CT
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 I contacted XXXX to book XXXX hotel rooms. immediately within seconds after booking them, I called XXXX to cancel. I was told to call the hotel directly to cancel. I immediately called the hotels and talked to the front desk managers. I was told they would be cancelled. I called back XXXX and confirmed with them that I cancelled with thoe hotel directly. I was informed I would not be charged. I have bee fighting with CTiti for months now. I do not know what the issue is. I have been a valued customer of them for several years. I did not stay at these hotels and would like the credit appied and woldd like to continue my membership with cit.

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