BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-02
Company: CITIBANK, N.A.
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
This complaint is a follow up to complaint number XXXX. 
As requested, XXXX XXXX from Citibank 's executive response called to discuss Citibank 's mishandling of its cashier checks. XXXX XXXX was polite and attentive while ( understandably ) careful not to acknowledge wrongdoing on the bank 's part. At the end of the conversation, we agreed that the complaint could be closed with no further action required. 

The matter should have ended there. However, instead of being closed, the complaint ( # XXXX ) was marked as a DUPLICATE in contradiction of the XXXX ' 2016 definition ( 5.4.4 ) ... a complaint " that does not describe or include any new issue, instance, or information ''. 

The only purpose -- that I can discern -- for designating the complaint as a duplicate is its removal from the CFPB 's database. Since one of the goals of the Dodd-Frank act was to hold financial institutions accountable, removal of pertinent consumer complaints clearly subverts the interests of Congress and consumers. 

The complaint is copied below to put it back in the record. 

COMPLAINT NUMBER XXXX This is a follow up to complaint XXXX in which Citibank failed to address any of my questions. They simply repeated previously supplied information. It appears that Citibank 's policy is ignore questions unless a new CFPB complaint is filed, which I'm happy to do until the situation is resolved. I have repeatedly requested to be allowed to discuss the issues with a supervising manager -- specifically to understand why Citibank created an unnecessary five month delay to supplying me with the information needed to recover {$10000.00} in cashier checks, and whether it is Citibank 's policy to have employees lie to their customers. The process was filled with broken commitments and lies ... and Citibank 's response regarding XXXX XXXX 's deliberately misleading information in which he adamantly denied that Citibank did not have the necessary information ( they did ), and that, even if Citibank had these records, they would not give it to me ( which was also not true ) was ... " please be assured that your experience ( with XXXX XXXX ) has been brought to the attention of management '' -- is wholly deficient considering the repeated hollow assurances from Citibank documented in my previous complaint. Although I finally received the necessary information, it took five months, numerous unanswered emails and and two CFPB complaints. I will continue filing complaints until I've had the opportunity to talk to a bank official about this matter.

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 2018-07-12
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I was sued by Discover Card after failing to keep up on payments. I was without an address for many months and not receiving their letters. Because of the company 's inability to contact me in XX/XX/XXXX, they took legal action to collect those funds and were awarded a judgement in court. 

I was served legal papers by a representative of the bank as soon as I was able to establish a permanent address. I immediately contacted the bank to make payment arrangements and established a plan. 

After moving from XXXX  to XXXX, I found myself unable to keep up my payment arrangement. I contact the attorneys for Discover at XXXX XXXX in XXXX XXXX, XXXX to let them know this in XX/XX/XXXX and was told it would be ok to contact them in the summer to resume payments. The women I spoke with was quite friendly, too, which was a huge departure from the quite rude and judgmental male I generally speak with concerning my case. 

In late XX/XX/XXXX, I attempted to use my bank debit card and was declined at the store despite having money in my account. I was informed by my bank that Discover had placed a garnishment on my account to recoup any possible money coming in and that the garnishment would be in effect until XX/XX/XXXX. I was unable to use my account for over a week because of this. 

I feel it was deceptive for the bank to have told me it was ok to temporarily halt payments, then take this course of action. I generally received phone calls from the law firm when there was a pressing issue to deal with ; I received no such courtesy from Discover 's attorneys prior to the garnishment. The company assumed I was just ignoring my debt. They said they would have to review a recording of my phone conversation with their representative to corroborate my account of events. 

I no longer feel like I can trust the agreements I make with this firm over the phone or even in writing, and I don't have the money for a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: First National Collection Bureau, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a call on XX/XX/XXXX from this collection agency called First National Collection Bureau. The representative stated that my credit card went into collections and they were looking for payment. I asked what type of card it was and when it was opened. The credit card is a XXXX credit card and it was opened in XXXX. Now, I have never had a XXXX  credit card and I had to deal with Identity theft back in XX/XX/XXXX. I requested some statements and I received them. It has my maiden name on it which i have been married for almost 4 years and my current address that I provided. The address listed on the statement connected to the card is XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. Now, I have never lived outside of Massachusetts my entire life and I am 44 years of age. There is a transaction for XXXX apartments which I have never lived in. What are the next steps on reporting this as fraud and removing this from my credit? Please I need some help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have kept calling numerous times to replace my credit card because it never arrived since opening an account with you, for mattress firm. I have dealt with nothing but incompetent staff and rude customer service every single f** time and today I finally lost it when your rep yelled, interrupted, and berated me for repeating to her MY ENTIRE ADDRESS once more, stating I saaaaaaaid the unit numberrrrrrr, not the whole address!!! whaaaaaaaaat is your uniiiiiiiiiit numberrrrrrr. Prior to this, she had confirmed it to me incorrectly and didnt even get the correct street number, let alone, the unit number so I KINDLY let her know that I would just be giving her my entire address ONCE MORE and she decides to XXXX   interrupt me and act like shes Gods  greatest gift and is doing ME a favor. I have had it with your customer support. I wish I could fix all these issues myself, online, but unfortunately my card never even arrived for me to even activate or view my online account and billing statements. Because of this, I have been missing paper statements as well and this is all getting reported to the credit bureaus through NO fault of my own. I have called at least four times, since opening this account to update my address since I did move ( & made you all aware ). I even called once last month and the rep stated that she would be moving my billing cycle/deadline to the following month and sending me out a replacement card, to an address that I confirmed THREE times. I asked her if I could make an early payment, in that case ( for the following billing cycle ) just to be on the safe and she took a {$100.00} payment. My card never arrived and I called two weeks ago, again, only to be told that it is still on the way ( rep didnt verify address or provide me with my billing statement information or anything ). To make matters worse, I am now finding out that this bill was due about a week ago, which I thought was what the {$100.00} were for. I now have no way to pay this besides dealing with these rude ppl and I now have late payments reflecting on my credit report. To make matters worse, my personal information is out there being compromised to random people. During this last call the rep literally said ohh that not what we have at all. 

This isnt charity work. I am giving you my hard earned money in interest and entrusting you, as a financial institution, with my personal information, only for it to be dealt with by XXXX. Please fix this. Please fix your staff.

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 2018-03-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2018 I bought a mattress for {$600.00} from XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX XXXX, NY XXXX  ). It was sold by XXXX and her Manager XXXX.

I was offered to have the mattress financed over 12 months at 0 % interest, which I accepted. I was not given more details and was led to believe I was just enrolling in the financing.

Today, XX/XX/XXXX, I opened mail, and received a credit card I NEVER APPLIED FOR. The issuing bank is XXXX XXXX ( XXXX XXXX XXXX XXXX, FL XXXX ) ( XXXX ). I called the bank to inform them that I never signed up the credit card and to ask which other products they had issued under my name without my permission. They are unable to tell me how many products I have.

When I asked why the issued me a credit card, they said it was XXXX XXXX XXXX fault for not informing me of the deal terms. I then asked to have proof of my signature allowing the issuing bank to create a credit card for me. They placed me on hold and said they will mail it to me within 40 days. 40 days. 40.

I am trying to avoid this affect my credit score and to have it canceled. I would also like to know how many products they issued under my name.

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 2018-03-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My husband forgot to pay XX/XX/XXXXXXXX XXXX Care Credit {$27.00} payment. I did not get an email notifying me, I get a call demanding payment 10 days past the due date and tell them I cant make the missed payment at that moment in time. My husband makes the normal payment on XX/XX/XXXX, but makes it the normal amount {$30.00} ( I didnt know that he did that ) so the XX/XX/XXXXpayment is covered but not XX/XX/XXXXpayment or the late fee.

Again, no email or text notification, just lots of calls from people who are bullies who dont follow the Fair Practices Act and know it.

I begin getting calls from Synchrony and when I answer I am told they are attempting to collect a debt, I tell them we paid, they say it wasnt the full amount so I tell XXXX - he said his name was XXXX we will include the past due of {$30.00} and late fee of {$35.00} onXX/XX/XXXXdue date, that I cant pay it today but it will be before its 30 days past due and Im told they are bank and it doesnt work that way. I tell him hes not working with me, he tells me again they are a bank. I hang up because he wasnt following the Fair Practices Act, being derogatory and mysoginistic in tone at XXXX XXXX on a Saturday. XXXX XXXX Care Credit charges an arm and a leg in interest, and this is the first time Ive ever been late on a payment and they used a bullying misogynistic phone caller who demanded money immediately before the bill is even 30 days past due and refused to hear or accept what i was saying.

If this is what bank deregulation is, I dont want it to ever be deregulated again. I cant snap my fingers and make money appear overnite and they are not working with people who get paid twice monthly nor due they notify by civilized means, aka text or email.

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 2020-12-10
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I received an email from Paypal that a login was made into my account by an unrecognizeable device on XX/XX/XXXX. An unauthorized transaction of {$100.00} was also made before my account was closed and I could not file a dispute with Paypal because I was not able to log in. 
The transaction was made to XXXX XXXX XXXX and I have never made a purchase from that company. I also saw other complaints of the same incident happening to others involving this company and Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Made a deposit with Suntrust account {$190000.00} XXXX never received a debit card from Suntrust,. How ever my card has been activated use to transfer funds in XXXX and XXXX XXXX account without my consent ... ..I was told by Suntrust Bank they had the rights to activate my card Because its a joint account however the card was sent in XXXX XXXX ... Legal Declaimer 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 2018-03-31
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX, I deposited a {$1300.00} LOAN check received from XXXX XXXX XXXX XXXX TX location. I made inquiries about the possibility of paying the loan off early and whether there were penalties. The representative stated there were no early pay off penalties and if I decided to pay the loan off early, I would only be charged interest up to that date on the balance of the loan amount. This sounded legitimate and I proceeded to deposit the check.

Each month I hand deliver a money order to the local office. On XX/XX/XXXX I was three payments in, and I called the company to get a payoff figure for my account. I was told if I paid the account off on that day, I would owe {$1300.00}. This amount was more than the amount I borrowed, and this triggered concern and prompted more investigation. I further asked her how my payments were being allocated. She stated that of my {$110.00} payment, {$57.00} was being paid toward interest, and {$56.00} was being made toward the principle. This indicated my payment was being split nearly in half.

I never received an amortization schedule or payment allocation notice about how my payments will be allocated from XXXX XXXX. According to the promotional material/contract, all the terms were included in this one document. I initially understood that I was accepting a loan for {$1300.00} with a 63.78 % per annum interest rate.

The Payment Schedule description defines 18 payments of {$110.00} each month beginning one month after the check is paid detailed in the Truth In Lending Disclosure Statement ( TILDS ) on the front of the promo contract.

To date, I have made 5 payments as of XX/XX/XXXXtotaling {$560.00} where not even half has gone toward principal. I am being charged nearly 50 % with each payment, and still being charged on the TOTAL of payments outlined in the TILDS. The Total of Payments clearly states The amount I will have paid after I have made all scheduled payments. Which I interpreted to mean only if I stick to the payment schedule until the end of the loan period of 18 months.

I would have NEVER agreed to accept a loan that would charge me 50 % of each payment on top of 63.78 % annually.

I believe that XXXX XXXX  intentionally neglected to explain clearly the terms in their promotional contract or further confirm the conditions by following up with a written document that provided an official amortized schedule. I believe this to be predatory lending practices. I believe they intentionally overcharging consumers and being deceptive and ambiguous with their language.

I have attached a copy of the promotional document that was attached to the {$1300.00} check, the last/most recent payment receipt showing payment/balance, and the amortized schedule that my attorney friend provided during our consultation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently filed a complaint here against USAA because they are not giving me a way to pay my charged off secured credit cards. They offered up a really slick explanation as to why the debt is valid, but still gave me no way to pay it. 

I never contested the validity of the debt, I had 2 unsecured cards that I put {$6300.00} cash onto. One is {$120.00} delinquent and the other is {$73.00} delinquent. I paid them off i just got charged interest and was unable to make the payments as I'm a XXXX vet and was still waiting on my XXXX. 

Neither here nor there. I requested to pay the bills. I was told it is not their responsibility to provide a method for me to pay them since they are charge offs. I requested an invoice. I was told to just mail a check into the company for the full amount and put " attn billing department ''. Thats a no from me. 

I even had a nice lady one time when I called help me add them both to the bill pay section in the usaa app. When we hung up and I tried to pay them, it didn't work. When I called back, I just got an " Oh well, we tried. '' " It is not our responsibility to provide you a bill for a charged off account. '' Yet they're still reporting it happily every month to the credit bureaus. I have been trying to pay these two bills for over a year. I want to buy a house and these are the two negatives on my credit report. 

Please just let me pay the XXXX cards off!!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes. 

I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$3000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. 

DEBIT CARD : 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 2019-03-05
Company: Allied Collection Services, Inc. (Nevada)
State: AK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice from a credit monitoring agency that Allied Collection Services had posted a debt on XX/XX/XXXX. I did not receive any notifications. Finally, in XX/XX/XXXX, I called Allied Collection Services to find out why they had neglected to send me any information. They told me that they had sent it out in XXXX ( false ). I told them to send it again. They told me it would take 2-3 weeks to get a package together to send to me. I asked why they needed 2-3 weeks when they've had the debt for over three months. They denied they had the debt in XXXX ; this time they said they just got the debt in XXXX ( false, and 2 1/2 months is still plenty of time to send a letter ). They told me they would send it out to me. It has been over a month and a half since I called, and they have not sent anything.

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 2017-08-08
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted Phoenix Financial via telephone stating that the account XXXX XXXX XXXX for the amount in {$1100.00} does not belong to me. It belongs to my mother in law who shares the same name. I have spoken to the original collector XXXX XXXX XXXX XXXX and they verified that the debt does not belong to me that the social does not match the account sent to Phoenix Financial. Phoenix Financial has been no help they simply told me to file a police report. Phoenix Financial is now claiming that they are the original collectors when they are not. This account is being report to the credit bureaus and is negatively affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation