BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-21
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I got back to the USA and requested a credit card to Citicards.com that was accepted. 
I used it for a month and suddenly it was blocked because Citibank has some concerns about suspicious account activity. I faxed them all of the requested information ( SSN card, service billing and passport ) but after weekly calls, now for a month, my card is still blocked. Apparently they need a phone number, one that they can verify, to call me back. I am using XXXX XXXX XXXX as provider, which for some reason is not included in their check up database ( landlines are useless for them ). 
I have paid past month statement ( electronic transfer from a bank account at XXXX XXXX XXXX under my name ), but still, I can not use that information to validate my identity. 
The irony is that as the account is blocked and thus I can not close it, and I do n't know how to proceed, as their customer assistants can not provide any alternatives to prove my identity, nor escalate me to a supervisor ( They even hung up on me when I requested that ). It 's a dead end, and it seems I am stuck in their XXXX like bureaucracy

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 2016-10-15
Company: CITIBANK, N.A.
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received a prepaid {$26.00} XXXX Citibank XXXX card as a refund for overpayment after cancelling my service in XXXX 2015. I recently discovered that Citibank XXXX has charged a monthly {$3.00} account maintenance fee since XXXX for not using the card on a monthly basis. This has caused the card to go down to {$14.00}. When I contacted Citibank they said that this was the terms & conditions that XXXX initiated. I did not agree to these Terms and would not agree to such terms since this is a refund of services paid.

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 2016-08-03
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened my Citigold checking account and there was some block on my account. I received the e-mail from Relationship manager on XXXX/XXXX/2016 that account is active and I will receive new debit card. 
Second debit card was blocked too, I was never able to register my account online nor I can withdraw money from ATM machine. I went to branch office on XX/XX/XXXX, they issued my new temporary debit card and promised that on XX/XX/XXXX, I will have access to my funds. 

It 's been 3+ months and I do n't have access to my funds I ca n't close it, I ca n't query the balance. Citibank has taken my money and then put the block on it.

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 2016-09-16
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Went through process of refinance with CitiMortgage. At the last moment, loan officer made a big error in my monthly payment she had estimated ( more than I had expected ). I went ahead with it and paid {$450.00} for appraisal. Appraiser was VERY rude spent no more than 15 min at my home and appraised it way under the county taxed amount and was unfair appraisal. Challenged appraisal with back up and proper comps from a licensed real estate agent and appraisal still stood. Was very close on the XXXX % equity ratio so Citi jabbed me on money to bring to table and extra closing costs. Felt like bank was in bed w appraiser. Just not right. I signed closing papers but backed out of deal w/in 24 hours.

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 2015-08-19
Company: Solidus Group LLC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have already filed a complaint against this company once, the case number is XXXX. I started receiving phone calls again from a gentleman named XXXX XXXX. This time I was able to get an address to their company so I can file a written verification for validation. The agent began yelling at me when I questioned the address he gave me. The address he gave me was XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX, but that address actually belongs to a company named XXXX XXXX XXXX XXXX. I did verify with that company their address. XXXX XXXX began threatening me with someone coming to my home and seeing me and also filing a lawsuit against me immediately if I do not pay. He continued to cuss me out and yell telling me i was a fraud, he then told me that he was going to call everyone he could connect to me and let them know I was a fraud and I write bad checks. He then blurted out my social security number to me telling me he was in control of my information. There is no written proof of any debt that I have like that. I filed a complaint with my Attorney Generals office, and they told me Delaware Solutions is not a licensed collection agency, and they were already investigating this company and for myself to not offer up any information to the company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-09-08
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Other

Complaint:
There was a fraud alert placed on my Citibank Credit Card. 

I called the number as required, customer service indicated they have to verify my account by phone number. When I provided my phone number Citi said they can not use it to verify. This is the same number I have on file with Citibank. If I open my account access and check my phone number it is the same number I provided them. I 've had this number for years, this number is able to receive calls and texts. 

I have no other way to verify my account with Citi, personal details were not sufficient. This limitation now makes my account unusable, so while I have an account with them, their inability to verify me in a way beyond using a phone number makes my account useless. I 've never experienced this with any bank. As of now I can not use my 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 non-monetary relief
Consumer complaint received 2017-01-19
Company: Recovery Solutions Group, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They claim that I owe over XXXX $ to them for a debt through XXXX XXXX XX/XX/XXXX. XXXX XXXX told me that it was paid by me XX/XX/XXXX. Recovery solutions said they are processing my account for court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company to shell point mortgage in the last two months they raised our payment which is a XXXX fixed. From XXXX to XXXX. All they do is is call and want my payment and canr tell me what this amazing outrageous new payment of XXXX is for all they tell me is escrow with no explanation. There are other issues it is a mess please help XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: Bonneville Billing and Collections
State: AZ
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:
On XXXX/XXXX/16 I sent a letter to Bonneville Collections requesting validation for an entry on my credit report. I 've attached several supporting documents as well as the letter I sent them. According to the USPS tracking number, they signed for my letter on XXXX/XXXX/16. I then waited 4 weeks from that date hoping to hear from them, which I did not. After the 4 weeks I filed a dispute with XXXX and XXXX, fully outlining everything that has taken place and including copies documents that I sent Bonneville. The XXXX bureaus started a dispute on my behalf. During the time my XXXX credit reports of both bureaus described above where updated by Bonneville. They never validated the debt, and during this time that they are supposed to be doing such, they made changes to my reports. According to the FDCPA act they are to suspend collection activities until validation as been supplied. Furthermore, upon looking into this company, they are NOT licensed or bonded in my state to be operating as a collection agency. You can view the XXXX code in my letter. So not only are they violating FDCPA laws, but they are also violating state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being contacted by Credit Control, LLC., XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX in their attempt to collect a debt for said XXXX XXXX rendered by the original creditor XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX, for services that were never provided to me at any time. 

I have already had to dispute this matter with XXXX other previous debt collection companies as well as to have their negative reporting to my credit report removed and I have on every occasion proven to be exempt, and or at no-fault to these claims. 

I have written and sent via USPS Certified mail a letter to Credit Control , LLC the most recent collection company to AGAIN request they prove my legal liability for this debt. 

As it appears that this specific debt continues to be resold and purchased by separate debt collections company 's I would like to know how I can end this cycle and stop this fraudulent and unfounded debt collection nightmare?

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 2016-09-28
Company: The CMI Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-03
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I tried to cancel a gym membership at XXXX in XXXX XXXX because I moved out of state in XX/XX/XXXX. I followed all the instructions to cancel my membership, paid I paid a {$50.00} cancellation fee, a check for {$100.00} and {$79.00} for membership dues outstanding. All of these checks were cashed by XXXX XXXX, the financial company for XXXX XXXX. I also mailed a copy of my XXXX ID and a letter expressing my wish to cancel by certified mail as they requested. XXXX XXXX continued to send letters saying my account was past due. When I called to find out if they received my cancellation letter, they said my XXXX ID was not readable, and therefore they could not cancel my membership! In XX/XX/XXXX, I received a notice from a collection agency called First Credit Services, saying that I owed XXXX {$1400.00}. I ignored this notice, not realizing that this would turn up on my credit report and ruin my credit rating. This company is very disreputable and I made every effort to cancel my membership. I do not know what to do at this point but strongly dispute the claim that I owe them any money at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi, I would like submit a complaint about a Dept collector trying to collect a Debt I never authorized this is a Fraudulent dept. Original account holder has no record of me authorizing this charge. I never authorized this charge. American Medical Collection Agency continues to attempt to collect a Debt that was not Authorized by Me. 
They have sent me threat letters stating they are going to put it on my credit report, again I did not authorized this Debt charge. Please have this collector stop Harassing me. with letters and calls and have the Debt collector remove the account from my Credit Files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have valid Health Insurance include family covered under my insurance. My spouse went to Local XXXX XXXX for routine blood work get done as script written by Doctor on XXXX/XXXX/XXXX and done successfully. but later we received bill from XXXX collection agency for amount of {$550.00} and found that Insurance company denied claim based on wrong diagnosis code. So I called them and made conference call between XXXX, Doctor 's Office and Us to change diagnosis code in order pay by Insurance company, since then XXXX submit claim again with same diagnosis code and Insurance company denied claim again and we received XXXX collection Notice again then I contact again but diagnostic code must be change from doctor office nothing my part to do something that insurance co. make payment. As per our Health Insurance company Lab service is 100 % covered and XXXX is Preferred Provider on Insurance book. Recently I got called on my cell phone on XXXX XXXX, XXXX from another collection agency named AMCA ( American Medical Collection agency ) even I did not receive any notice in the mail when they call me on my cell and ask for My spouse laboratory bill in amount of {$550.00} You ( I am ) responsible because Insurance contract on my name and my spouse covered under my insurence. after long discussion representative transfer to supervisor and he told like this " If you did not pay this amount we will report to Credit Reporting Agency. '' even debt is on spouse name, thus I am victim of debt and supervisor said Insurance is under your name. After the end of conversation I called my Insurance company and explain situation and matter then Insurance representative called doctor office, XXXX while put me on hold. finally root cause of problem that something must be done through doctor 's office in order to pay this bill and as of now may under processing. I told to insurence representative that I received phone call from collection agency ( AMCA ) then she called AMCA and talked to collection representative. so conclusion is why I am responsible when medical debt is another member in family and they threatened me to report on my credit file something I did not did wrong. Please investigate this matter and find who is at fault make steep punishment!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: NCB Management Services Inc.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a company named NCB management services called my cell phone and did not leave a message. I returned the call and could not make contact with a live person. Instead I was transferred numerous times by recorder messages and finally ended up at a company voice mail box. In a stern, but polite fashion I instructed who ever receives this message to remove me from their call list, and informed them that I do not have any debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: TH Professional & Medical Collections LTD
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Called my work number. When I told them that they were not to call the main number of work or call me at work, they told me that they could call anytime to verify employment because they were going to file a suit against me for XXXX. I asked them why they were filing a suit if I was giving them my hsa card information for payment. They said I had given them my debit card and it did n't go through, and I told them it got eaten by the ATM, which it did and I was waiting for a new card. Then she proceeded to say she had to have the XXXX by XX/XX/XXXX but then " spoke to her supervisor '' and could postpone it a week. Ridiculous!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by American Profit Recovery refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a collection account on XXXX XXXX to DIVERSIFIED CONSULTANTS IN located XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have called 5 times within the past month to obtain proof that the debt was paid, I asked to please email me something the first couple of times I called so I can provide the information to the credit bureaus and information is updated, they told me THEY COULD NOT email anything ; however it would be sent regular mail, so I waited, and weeks later nothing came. This past Saturday XXXX XXXX, XXXX, I called once again and explain the situation, the representative told me " oh yes, I see you have called, there is nothing I can do but submit a request to be sent out '' this time I asked once again if the information could be email, and to my surprise he said the information could IN FACT be emailed, but it will be sent Monday Morning. Today is Tuesday, and I have check my email, junk mail repeatedly and nothing has com through. This is to formerly complain that this company continues to hurt my credit score as it shows the account is still open in XXXX. I have contacted them several times ( is on their records ) and to this date they keep giving me the run around and I am unable to provide XXXX with an actual document which states the debt has been satisfied. I already filed a dispute with XXXX explaining the situation, however the results were " not change '' meaning the account still shows open and it still has a balance. This company is failing to assist me and failing to provide information I have requested over and over again. My address was verified every time I spoke to them, lastly I provided my email and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
USAA erroneously duplicated the images of an electronic check deposited that in affect deposit XXXX check twice versus the XXXX checks i was attempting to deposit. After becoming aware of the error and informing the bank of the error USAA eventually deducted the duplicate deposit and forced me to redeposit the missing check. After 2 weeks USAA again deducted the deposited check from my account and then charged fees and deducted funds from other accounts to cover the short fall. USAA refuses to fix their duplicate deduction despite admitting the issue and " submitting '' paperwork to resolve the issue. Every time I call back I get the specific transaction was n't an error. Sorry we 'll have to resubmit. MY accounts were fraudulently deducted credit the money and USAA refuses to fix it. It has been over 30 days since I first contacted USAA about this issue and they continue to give me the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief