BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
there on collections on my credit report that are not mine. There are some I have removed by dispute on XXXX bureau but cant remove on the other. Medical system data for XXXX is on equifax but not trnasunion had constant health insurance for over XXXX years XXXX is on equifax not transunion never had dish network live at my address for over XXXX years with directv sterling card once again on equifax buisness credit card never had my own business been at same employer for XXXX years and jefferson capital on equifax is a cell phone that was returned to verizon through ups because of no signature that was required

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
On XX/XX/2022, XXXX, and XX/XX/2022 my credit report was accessed and utilized for promotional purposes without my written consent authorization or permissible purpose by Capital One AUTO Located at XXXX XXXX XXXX XXXX, TX XXXX. Phone Number XXXX. I Have sent communication to the Company which will be attached down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please, this is my SECOND complaint. First was Case number : XXXX. There is no way for me to reply on that complaint. 
Equifax opened XXXX *more* " investigations '', and even after I provided proof that they are reporting inaccurate information, they still claim that " We have verified that this public record is reporting correctly. '' It is NOT reporting correctly! The tax lien was *withdrawn*, it should be removed from my credit file. I gave Equifax proof that it was withdrawn, TWICE. They could n't possibly be " verifying '' anything. 

I need help with this. I do n't need you to just forward my complaint to them, I need to know you 're actually going to DO something. I should n't have to sue Equifax in order to get them to do the right thing and report accurately. Please do something, you 're supposed to HELP, please DO something.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer from Citibank to open a new Citigold bank account in XXXX XXXX, which promised XXXX XXXX XXXX miles in exchange for making two ( 2 ) bill payments in consecutive months and for spending {$1000.00} on my debit card. 

I met these requirements in XXXX XXXX and received a confirmation message on XXXX/XXXX/XXXX ( see attachment titled " Citigold Account Bonus Confirmation '' ) that the XXXX AA miles would post to my account on XXXX/XXXX/XXXX. I then patiently waited and paid the monthly fees associated with the account. 

On XXXX/XXXX/XXXX, I checked in to be sure the miles would be posted as promised, I received a letter incorrectly claiming that no bonus was tied to my account ( see attachment titled " Citibank Letter 1 '' ). The promised XXXX/XXXX/XXXX date came and passed. 

After opening a series of investigations with Citi, they have repeatedly denied giving the me bonus that I am due in association with this account ( see one such denial in attachment titled " Citibank Letter 2 '' ). I have since read many, many accounts online of this same scenario happening with many, many other Citibank customers. Citi is likely counting on these customers not fighting back on this, but it is time someone like me takes a stand on this. 

Citibank is systematically and fraudulently baiting consumers into signing up for Citigold accounts with the promise of this bonus, only to pull the rug out from under its customers at the last minute after collecting their fees. This is wrong and completely unethical.

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 2016-03-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I placed an order using my Sears Gold Mastercard. Two weeks later a freight carrier called to schedule a delivery. I informed the carrier that I wanted the opportunity to inspect the package to ensure that there was no damage, and that package contained what I ordered. The carrier responded that I would have to pay the an additional {$100.00} to the vendor. Since that would have been a cost over and above the agreed upon purchase price, I told the carrier I would not accept the delivery. No attempt was made to deliver the item. The vendor charged me the freight to return the item, and a restocking fee

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 2022-10-26
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I'm being given the run around as to why my transactions are not being processed and reflecting on my account at the point of sale. I have called Navy federal credit union and is told many different stories. Please help because its causing problems with my account and all of a sudden my account is in the negative. Everyone has different stories from Customer Service, to the managers to the Branch Managers. No one is consistent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I investigated XXXX through XXXX XXXX about 1 1/2 month ago and this item was deleted. I just check my credit report through XXXX XXXX and this creditor is reporting once again which brought my credit score down XXXX points. What 's is sense of a consumer going through a 30 day investigation when the derogatory credit is being reported once again on their credit bureau report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed all inquries on my credit report as ones I dont recognize and Equifax has chopsen not to respond to my inquiry within the allowable 30 day time fram per FCRA. As a result, I would like them removed due to no reponse from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank changed my account type with a monthly fee of {$25.00} XX/XX/XXXX. Since that account is dormant, I did not notice until XX/XX/XXXX. They ripped me off {$200.00} for absolutely nothing and I have no way of recouping

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
Product: Credit card
Issue: Billing disputes

Complaint:
1. I left the U.S. and moved to work at XXXX in XXXX since XXXX XXXX. Therefore, I cancelled my Macy 's credit card. 
2. In XXXX XXXX, I received an email with my Macy 's credit card statement so I called the customer service immediately and told them that I already left the U.S. and could not receive any mails from them and I already cancelled this credit card. Their customer staff ( a girl with an XXXX accent ) told me that I still had XXXX unpaid payment with US {$44.00}, which was overdue at that time. I told her that I always paid before the due date ( my credit score was " XXXX '' as of XXXX XXXX, XXXX ) and this must happen during my travel so I asked her if she could ask her supervisor for one-time exemption of the past due fine. She put me on hold about 10 minutes and she said it 's been resolved and I only had to pay the remaining amount of {$44.00}, which I spent for my last purchase online in XXXX. 
3. After I received the confirmation from Macy 's customer service staff on XXXX XXXX, XXXX, I paid {$44.00} right away on the same day from my XXXX account ( banking record proof ). 
4. I thought my due payment was all cleared. However, in XXXX XXXX, I noticed that Macy 's still kept sending me bills by email. That 's very ridiculous! Therefore, I tried to email them at XXXXXXXXXXXX to reflect this issue. I emailed Macy 's at least three times and also left my official complaints online but had never received any email responses from Macy 's credit card center! 
5. I called their customer service number at XXXX more than 5 times and they told me it 's been taken care of and they assured me that I would not receive any bill from them. 
6. On XXXX, my last phone communication with Macy 's. I demanded to talk to the customer service manager of Macy 's because this situation was getting worse. I actually recorded our conversation as proof when the manager assured me that my Macy 's account balance would become zero in the following month statement ( i.e., XXXX, XXXX ). 
7. Recently I 've been notified that my credit score dropped from XXXX to XXXX because Macy 's reported a delinquent account with a total of {$270.00} past due payment. This is outrageous!!! I certainly do not owe Macy 's any penny!!!

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 2015-06-15
Company: Synovus Bank
State: NJ
Product: Credit card
Issue: Other

Complaint:
I accidently over paid my card. It is a prepaid card with a XXXX dollar credit limit. I have had a XXXX dollar available limit for some time now even though I owe nothing and have overpaid the card by XXXX dollars. the payment wsa smenat for my fiances acct. I havent asked for the credit back or even to apply it to something. I was instructed that as i spend on the card it will be taken out of the credit first yet I have tried to use the card and have been unable to. I was told payments had to post and i understand the float is their business model. Isnt there laws in place to limit the time they can hold money and not post it to accoutns? secondly they repeatedy accpet a payment then ask for a payment less than XXXX days later and if its not made it slate. Thats not possible, If you pay for example XXXX dollars on the XXXX wiht a min payment due of XXXX dollars how can the XXXX another payment is due or a late fee incurs when yo obviously made a payment that month. This company is a constant violater of proper financial parameters by delaying posting of monies and attemting to bill customers with overages and lates. I know I 'm not the only person who has brought this to your attention. I can see what they have attempted to do to me. I have money so i can easily rectiofy my situations before they get my money. I thought the federal govt was suppose dot monitor companies like this to protect consumers form abuse

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CITIBANK, N.A.
State: KY
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:
In accordance with the Fair Credit Reporting act Macys, has violated my rights. This is my third attempt to exercise my rights and complain to the cfpb in regards to this late payment that is being reported on my consumer report. 

15 USC Section 6802 ( b ) ( 1 ) ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; I did not receive any communication giving me the opportunity to opt out of the reporting.

15 USC Section 6802 ( b ) ( 1 ) ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not aware at the time that I had the right to opt out. If it was explained to me as stated by law, I would have had the chance to exercise the right to opt out. The terms and conditions were not clear and did not give me the opportunity or knowledge to opt out of the reporting. I am just now hearing about an opt out option from MACYS in the letter where they responded to my first complaint.

15 USC 1681 ( A ) ( 2 ) Exclusions : BY LAW consumer report does NOT include ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction history should not be on my credit report and I did not give MACY 'S permission to report my information. I would like for this account to be deleted.

I am more saddened at the fact that my account is open and in good standing and I still can not have the decency of a simple removal that will benefit my family and not hurt this organization what so ever. It shows that the best interest of their customers do not matter. I am also very disappointed in the way the CFPB is allowing this process to continue with little 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 explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2017-01-10
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Late fee

Complaint:
On XXXX my financial institution sent an electronic payment to Citi/Best Buy. The payment was due on XXXX/XXXX/17. With the banking system shut down for the holiday. My payment did not post to my account until XXXX/XXXX/17. Thus, causing the system to access my account a {$27.00} late fee. In the history of my account, I 've never had a missed and or late payment. The same system for making payments has been used every single time. After reaching out to Citi/Best Buy via chat. The associate named XXXX was able to promise an adjustment to my account for the {$27.00} incurred. The associate then proceeded to tell me that I should have used their website to make a payment. That 's it 's open 365 days per year. I do n't need someone lecturing me on how to pay my bill to your company. I 'm sure that I was not the only one caught in this dilemma with Citi/Best Buy and or other credit products you manage.

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 2015-12-16
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
CitiFinancial is reporting to XXXX that I owe them {$7100.00} from an installment loan that supposedly went into collections back in 2011. For well over a year, I have been trying to contact them to resolve this loan, but they continuously give me no avenue for resolution. I filed a complaint with your office back in XXXX of this year asking for your help in getting CitiFinancial to speak with me about resolving this debt. We received a response from Citi regarding who to contact to get this matter resolved, but 6 months later, we are no closer to getting this matter resolved. Despite countless attempts to contact Citi, I either get no response or notification that they do not have that account number on file. Quite simply put, CitiFinancial is holding my credit report hostage. They are reporting an unresolved collection account on my credit report, and simultaneously providing no avenue for resolution. I am going to be uploading XXXX documents. The first is a snap-shot of how CitiFinancial is reporting this debt to XXXX The XXXX is the response I received through your office from our XXXX complaint. The third is the latest response I received from Citi. Once again, they are back to stating that they have no record of the account, or can find no record of the account with the account numbers THEY are providing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed several times that the XXXX account was not mine. You guys keep saying that you are verifying with XXXX that the account is mine. I spent over an hour on the phone with XXXX today and they could not find me by name, address or social. XXXX from XXXX sent an email of the call stating that i do n't have an account nor have I ever had an account with XXXX. He also put a copy of the escalation in the email that shows he requested for me to get a copy of this information on XXXX letter head. Im asking that with attached documentation that this account be removed immediately considering that this account is seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Facts : - debt was fully discharged in XX/XX/XXXX BK - in XX/XX/XXXX I contacted Citi, we reached an agreement of {$2500.00} to release the lien on my home - Per the letter from Citi " Upon receipt of certified funds, Citifinancial will release its mortgage on the property '' - As agreed, I paid the {$2500.00} via wire to Citifinancial on XXXX/XXXX/XXXX - I have contacted Citi numerous times since the settlement in XX/XX/XXXX, the lien is still not released - this is impacting my ability to complete a HARP refinance, which in turn is impacting my ability to keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, I received a notification from ( XXXX ) an agency that monitors my credit and alerts me to anyone pulling my credit. I was informed that Equifax placed on my credit that XXXX had pulled my credit for a credit card. I called XXXX and they reported that no such thing happen. XXXX told me to dispute the inquiry on my credit report. I went online to try to dispute, but Equifax would not allow me to dispute online. So I called them today, and the woman told me that they do not allow for inquiries to be disputed. I asked her when did this start, because 6 months ago I had to dispute inquiries and incorrect information on my credit report and after they investigated, the corrected the information. The lady on the phone told me they have never allowed anyone to dispute inquiries. Equifax had extra SS numbers on my credit report, and incorrect credit inquiries on my credit report. I asked to speak to her supervisor, a man got on the phone and told me he was not going to investigate because it was an accurate public inquiry. I told him that I had spoke with XXXX and they even denied pulling my credit. I have noticed a consistent pattern with Equifax, as soon as an inquiry falls off my credit, another one appears, there are there are a total of XXXX unexplained inquiries on my credit report from Equifax that they refuse to remove or investigate, XXXX and XXXX are on the same page, I only have XXXX inquiries, but with Equifax i have XXXX and XXXX are unexplained. 

This was an inquiry on my credit on XXXX/XXXX/XXXX from XXXX, they flat out refused to investigation and told me this would continue on my credit report till XXXX/XXXX/XXXX. I would like this inquiry removed, I did not make this inquiry and XXXX validated the information..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I are XXXX. We purchased our first home on his VA loan cert 30 year fix loan in XXXX. We filed Chapter XXXX in XXXX after the housing market crashed. The CHXXXX was discharged in XXXX XXXX. The bank has not removed our names from the Title due to the Soldiers/Sailors Civil Relief Act. Stated although there was a court order lifting the stay, ( allowing them to foreclose or short sale ) they could not remove our names from the XXXX. We want to have our names removed from the XXXX and update our credit report correctly. Still shows this is ongoing debt post the ChXXXX discharge. Our BK Lawyer to immediately surrender the home. Our family of XXXX vacated the property in XXXX. We did n't know at the time we should have waited for the title to be transferred out of names prior to vacating the property. We trusted our lawyer 's advisement. This is a huge concern, because we understand we are liable for any accident ( s ) on that property. The bank has not foreclosed or short sales the home. We have filled out paperwork for a Deed in Lieu in XXXX XXXX. We have been renting since XXXX. Our current rental lease is up in XXXX XXXX and we would like to purchase another home for our family and maintain stabilty. We are not able to complete this process until our names have been released from the Title. We are both currently XXXX XXXX and are earning an increased salary. We are going to be stationed in this area until we retire. Please help us expedite this process so we can move forward and have a stable home for our family.

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 2017-03-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Sears is reporting that I have a {$5300.00} collection account owed to their company. I have never had a Sears account in my name. I have contacted Sears and even submitted an FTC fraud affidavit almost two months ago, but I have not heard back from them. Meanwhile, this erroneous account still reports on my credit report.

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