BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Delinquent account

Complaint:
On my credit report as of XX/XX/2016., I am still being reported by Sears as being 120 days ' delinquent in making payments to my account. 
However, when the first notification by Sears by phone that a payment was due, I made a payment in full. During that conversation, I explained that I have not received any notification ( Alert notification on the web site ) of any overdue payment or statements. The representative explained that there have been issues reported, and I was credited any late charges to my account. After that conversation, a Sears posted a past due payment on my credit report. In a conversation with sears, I found it to be in my best interest to close the account, of which I received a written confirmation on XX/XX/2016. 
Regardless, even after the account has been paid in full, and closed, sears are still reporting that my account is delinquent or 120 days past due. However, there is a zero balance, the account is closed, and in contacting them by phone did not provided me any resources to correct the issue.

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 2016-10-21
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I noticed on my statement that I had been assessed a late payment fee. I had paid the payment on the XXXX of XXXX ( the due date ). I called the company to resolve the matter and was told that if I had not paid the payment by XXXX it would be considered late. I also was notified on the phone call that I had been late 30 days twice on this account but they could not tell me when. Specifically asked me to go back through my statements. I got this CC at a time when I was really attempting to get my credit better. I really do n't think I have been 30 days late on any credit card since 2010. I sometimes make XXXX payments a month on this card ( Barclays Card ) I just think it is reprehensible that a bank can charge a late fee because you paid the payment on the agreed payment date but just not the correct time. I think I also noticed my APR increased as well. Plus I have over XXXX XXXX points and I have not received my XXXX rewards cards ( I 'm entitled to XXXX as XXXX XXXX card ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-25
Company: Commonwealth Financial Systems, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: Remit Corporation
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had received a medical debt from Remit corporation, I put in a dispute against them because it was a workmans comp claim, I then was contacted by XXXX XXXX XXXX who was also claiming the same debt. I filed disputes with both company 's and Remit Corp had it removed, I have made several contacts with XXXX and they continue to deny my request they are very rude and disrespectful even after I submitted the paper work to them. I want this debt removed based on that I XXXX her owe this debt or I 'll be filing a law suite !

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 2015-07-28
Company: ZARVAD III S.A.
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This loan was taken out XX/XX/XXXX and paid back over months. In fact, they continued to debit our bank account even when the balance was paid in full thru XX/XX/XXXX. The alleged lender is XXXX. Recvd a call from XXXX XXXX XXXX threatening to sue if debt is not paid. This is the XXXX contact we recvd for this alleged loan, the first was XXXX XXXX alleging XXXX XXXX XXXX as the lender. A Cease and Desist letter was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I 've been denied a loan due to not having my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: ECMC GROUP, INC.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have had XXXX issues with my federal law school lender ECMC/XXXX. I am not alone, it is a potential class action lawsuit because many borrowers have had the same experience with ECMC. 

In 2007, I was laid off and defaulted on my federal loans. I contacted XXXX to rehabilitate my loans. They promised if I made XXXX on-time payments they would place my loans with a new lender and rehabilitate them. I made the payments but the financial crisis happened and XXXX breached its agreement because they could not find lenders to buy student loans. So they did't rehabilitate my loans and just disappeared. 

Eventually, maybe 18 months later, XXXX was bought by ECMC. ECMC added tons of collections fees to my loans and refused to honor the rehabilitation deal with XXXX. Debt collectors harassed me despite my written complaints and ECMC refused to provide me with my/XXXX XXXX and a breakdown of my debt/fees. 

ECMC garnished my wages without notice, garnished an impermissible amount ( XXXX % ) and then denied me arbitration. 

Internet message boards show many consumers with these same complaints against XXXX/ECMC. 

The ECMC Ombudsman was nice but ultimately could n't help me and ECMC issued notice that either I agree to their amount and pay, or not pay and remain in default. There is no option to pay while I continue to dispute the fees. If I make a payment to them I am agreeing to an additional $ XXXX in fees!!!! My loan was for $ XXXX and now ECMC claims it is $ XXXX with fees! I am trapped. 

ECMC responded to me that Federal student loan issues fall outside the CFPB protections because of a recent lower court case. 

The Dept of Ed Ombudsman will only verify the amount owed ( although they did find errors and made a reduction ), they will not help with substantive disputes. 

I offered to negotiate to pay a settlement to resolve this but ECMC wants me to pay them $ XXXX! I only borrowed $ XXXX!! have you ever heard of a settlement for 20 % more than the amount borrowed?!?! 

I have hundreds of pages of documentation/correspondence to verify the above.

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 2015-12-22
Company: Admin Recovery, LLC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I 've never received any thing written or on paper concerning this debt, first of all. I knew I fell behind on payments, but did n't think it had been that long. I did n't know it had gone to collections until this guy started calling. When I did n't call him back, he has started calling my work place. He was hostile and demanding personal information like my social security number. I told him he is not allowed to call me at work, so he then called human resources to tell them to have me call him. My job is now at risk, and I could be fired if he continues to call, even though he has been asked not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX - Diversified {$250.00} collection from XXXX XXXX account. Never new until popped up as delinquent on credit report. I had Moved apartments as of Court order XX/XX/XXXX. I had notified XXXX XXXX XXXX from XXXX XXXX and am set up to use XXXX XXXX. Apparently I was set up with a new account and my account stayed going at old Apartment. XXXX has made it clear they are sorry and have helped out with discounting services already. They unfortunately have their hands tied with removing this, being it was sold to Diversified. They have given me a notice with the Name of '' XXXX XXXX '' and a balance for XX/XX/XXXX & XX/XX/XXXX. Yet I have explained in every phone call and mail in attempt and yet the same response is given. 
ANSWERS : Phone : They will look into/investigate the claim and Ill hear an answer in the mail. ( which is the XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) Mail : No response What so ever. I have had to call after waiting 45+ days. Then the routine starts all over with me calling in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
For more that 60 days I 've had a credit balance on a card I canceled. When I canceled the card I selected the option to have the credit balance automatically transferred to my bank account. After a few weeks the money was still not transferred, so I called and requested a check, which they promised to send within 10 business days. More than 30 days have passed and still I have n't received my money from them.

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 2015-09-29
Company: CITIBANK, N.A.
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with One Main Financial for {$7500.00} around XX/XX/XXXX and in XX/XX/XXXX, the company did a deferment payment without my consent. But, my main problem is the amount that they put towards the actual balance of the loan. My monthly payments are {$270.00} each month and from XX/XX/XXXX to XX/XX/XXXX, nothing from the amount I paid was applied to the balance. The first payment of {$92.00} was applied to the balance on XX/XX/XXXX. They did another deferment without my consent in XXXX. I was confused. On XX/XX/XXXX I made a payment of {$300.00} and nothing went toward the balance. On XX/XX/XXXX I made a payment of {$150.00} and nothing went toward the payment. In my opinion, this is criminal. I do understand that I was in need of financial assistance at the time and things were difficult but I have been paying this bill over a course of 2 years and I still have a balance of {$6300.00}. There is something that should be done to balance out. I do understand about interest and that the company has to make money but I find this to be unjust. This is taking advantange of people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Without any prior notice I received a letter dated XXXX XXXX, XXXX, stating that my AT & T Universal Platinum Card account, which was issued as a charter member in XXXX, was closed. I called several times to the Citi Bank number on the card ( Citi purchased the cards accounts years ago ), and received answers that bordered on the rude and who cares category. The latest person I spoke to was more than happy to reopen the account with a new application and credit report inquiry, and probably different terms also. I told him that no prior notification was provided, and his answer was " too bad ''. 
Under the Credit Card Act of XXXX, there is a provision that 45 days notice must be provided for changes in terms and conditions. No such notice was ever given. This card was not used a lot, but I do n't recall any new rules having been adopted that credit cards must be used all the time for everyday purchases. I realize that this might not get far, but if other people have had similar experiences, maybe some attorney might want to look into the practices of Citi Bank and their breach of contract actions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I purchased kitchen appliances at Sears in XXXX 2014 the sales person talked me into applying for a Sears MasterCard to get an extra 5 % discount on my purchase. They also offered 0 % interest on the credit card for all purchases in the first 6 months. When I received the XXXX statement they added an interest charge of {$760.00} for the previous purchases. I called customer service and spoke with XXXX who said I needed to pay the balance before the 6 months period ended and that 's why the amount was added. This is not the way the sales person explained this to me. Making a major purchase is overwhelming and I was taken advantage of by the sales person. She never mentioned that I would incur this charge if not paid within 6 months. The total purchase was near {$8000.00} and current bal is {$2000.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-26
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon receiving an updated copy of my Credit Report ( CR ) on XX/XX/XXXX, i noticed a negative item Public Record being report by all 3 Credit Bureaus ( CBs ) including : ( XXXX, Experian and XXXX  ). I wrote the Courthouse about the item being reported on XX/XX/XXXX respectfully requesting their reporting procedures to the CBs pertaining to said item Public Record under my name and SSN. On XX/XX/XXXX i received a letter in response to my inquiry from the Courthouse stating how they do not ever report any such information directly to any of the CBs including : ( XXXX, Experian and XXXX ). XX/XX/XXXX i began the dispute process sending letters to all the CBs reporting this item Public Record on my CR under my name and SSN. I requested proper and accurate verification as to what they are reporting regarding this matter, and if no information was provided to be true within 30days or resolved properly I politely requested to have this item Public Record removed from my CR permanently also on this date XX/XX/XXXX i placed a security freeze on my personal consumer profile held by XXXX XXXX and XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX regarding the Public Record item and their investigation results and in response to my dispute DELETED item from my credit report held by XXXX  XXXX. Now XX/XX/XXXX Experian responded with a letter claiming to have just UPDATED the item Public Record no change to report filing, including no verification letter from any source proving item Public Record being reported as to its correctness and accuracy. Today being XX/XX/XXXX I have yet to hear from XXXX regarding my dispute, its been over the 30 day timetable and newest CR does not show item Public Record in dispute listed. I have proof of signature for original dispute letter sent XX/XX/XXXX through certified mail receipt. I am hoping your involvement will help resolve this matter finally. Not knowing about this negative information for over 1yr has caused a very severe effect on my credit standing and ability to secure & qualify for a VA home loan. Thank you for your time and attention to my situation, sincerely a very hopeful future home owner.

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 2015-10-27
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I pay One Main Financial every month. I may not be on the due date, but my account never goes 30 days late. The call me on their robo call XXXX times a day- XXXX days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I am a victim of identity theft. I have disputed this fraudulent account multiple times with Macy 's and have received no response with validation/verification of this debt. This account does not belong to me, and is not even in my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: FMS Inc.
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
i applied for a loan of XXXX using XXXX property as collateral to citibank last year in oder to prevent the city from foreclosure on some tax lien on the properties and for some upgrading to it however the bank denied my application and has not provide me with explanation as to the reason. my credit is consider excellent above XXXX range. I was force to filed complaint in court but they have not care for my situation that at the moment am dealing with city attempt to foreclose on me cause cash situation. The case is pending in court for about a year and they have not change their position despite i being a gold category client of the bank.

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 2016-03-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I made a payment to the creditor, ( Citi Bank ) after being informed by a customer service agent that my account would remain in good-standing by doing so. I went into the branch as instructed and a few days later I found out that they closed my account. Now, on my credit report it states, closed by creditor " charge-off ''. In conclusion, I 've also being charged almost {$600.00} in additional fees even though my account was wrongfully closed and it 's being reported as late every month!

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 2016-06-23
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Today on XXXX XXXX/XXXX/2016 i saw an inquiry on my credit score, with a company name it CBNA XXXX XXXX XXXX, XXXX XXXX, XXXX wich they did a hard pull. 
i did never authorize any inquiry or soliciting any service from this company. please i try to fix and get back with my credit and mistakes or fraudulent operation can hurt people like me trying to fix our credit scores.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I reviewed your latest statement to CFPB ( case no. XXXX on XXXX XXXX, XXXX. ) I recalculated the figures using your statements on XXXX XXXX, XXXX and may have misunderstood my previous calculations ; however, I still determined CitiBank overcharged me {$6.00} and unfairly charged {$15.00} for a payoff by wire fee after escrow closed, which they can not do. 

If you will, please review the {$21.00} of overcharges described above. I believe that is extent of the overcharges now by CitiBank which should be refunded back 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