BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: Credit Protection Association, L.P.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The Credit Protection Association attempted to contact me to collect a 4 year old debt. They contacted me multiple times in XXXX of 2015 over the course of a single week. I told them that I required validation of the debt they were trying to collect, and that I did not want to be contacted again until they provided that validation. They contacted me again in XXXX, and I again reiterated that I required validation of the debt and to stop contacting me because they were violating federal law. 

In XXXX ( around the XXXX ) I got a call from the original owner of the debt, XXXX XXXX XXXX XXXX. After several calls back and forth, they were able to determine that I did not owe the debt and that they would resolve the issue. 

Imagine my surprise on XXXX XXXX when, still having not received any validation of the debt from the Credit Protection Association, and knowing that I did n't actually owe it, the Credit Protection Association went ahead and reported the account as being in collection to all XXXX major credit bureaus. 

Now they are telling me that they 'attempted to send me the validation ' and that it is not their responsibility to resolve this issue. They said it will be 30-45 days before they can even get the information back from the original creditor, and that they can take no action before then to resolve their fraudulent reporting to the credit bureaus. 

This predatory collector has violated several federal laws by harassing me, failing to provide validation of the debt ( no surprise because I do n't owe it ), and fraudulently reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: AMERICAN EXPRESS COMPANY
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have another identity theft situation American Express blue bird refuses to close an unknown account. I have been non stop receiving emails, notifications from American Express blue bird. So these fraudsters open accounts using my personal information. Then the real person calls in says they do not recognize activities or account, do not I repeat I said never created an account never created an account, are they going to do anything by recognizing that I am saying never created account. But American Express blue bird is very flat, will not do anything by providing to authorities never created. Just because I said I am able to identify myself as XXXX XXXX. Let me get something straight someone has my personal information. Uses, creates accounts in my name, then in turn I call in to report,, because I am able to say who I am because this person has my identity. Companies hold me responsible for this person creating this account in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Nelson and Kenard is agresively attempting to collect debt for XXXX XXXX XXXX. When I requested them to validate these debts I got NOTHING back. At the same time XXXX XXXX XXXX validate the ownership of this debt ( see attached letter ) and stated they were NOT connected to Nelson and Kenard .... Nelson and Kenard asked for financial statement in order " to help me negotiate and settle this debt '' after providing them with all of my personal information I got NOTHING back ... is this even legal to do? ... XXXX XXXX XXXX still has the ownership of these credit card debt notes and I was advised to settle with them. However Nelson and Kenard has NOT stopped harassing me, I can never speak to the same person and have to give them my personal info ss # date of birth and etc over the phone to the secretary before I can be transferred to someone .... who knows what she does with my identity and why am I required to shout out my social over the phone to someone I do n't know ... this is a violation of my consumer rights and privacy this must be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over {$1100.00} in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in XXXX 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicate the end of the promotion. I was advised subsequently there is a 1 line small detail in the regular online statement. ( However I did not receive any emailed regular statements indicating this information ) Most customers will forget after 18 months without any reminders. I believe the interest should be removed as this is a bail and switch and I was not properly notified by email or postal mail of the change in terms. In addition they changed my billing to paperless without any notification, however I also did not even receive a regular email statement with the information.

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 2015-04-21
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NM
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I went to school at XXXX XXXX XXXX in 2008. I used my XXXX XXXX XXXX XXXX XXXX XXXX that paid for school. The loan was originally with XXXX XXXX. Recently I received a letter from XXXX collection Agency trying to collect on this loan that was paid. They have put a hold on my tax refund to collect on a balance that does not match the loan amount. I believe it is out of statute for them to be even trying to collect a debt on this account. I have disputed the account requesting any paperwork that they have validating the debt and they have failed to provide evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi mortgage, loan XXXX foreclosed on my home even though I had already paid over {$20000.00} ; they also arranged insurance and made money off my premiums. 
I want my money back to take care of my XXXX brother and XXXX year old Mother. 
We can barely afford XXXX bedroom apartment but sleep on chairs by my brother 's bedside.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
MIDLAND IS ATTEMPTING TO COLLECT ON THE ACCOUNT THAT IS TOO OLD TO BE ON FILE IT HAS BEEN 7+ YEARS SINCE FIRST DATE OF DEFAULT AND IT HAS EXCEEDED STATUTE OF LIMITATIONS. AND MIDLAND HAVE FAILED TO VALIDATE AND PROOF TO ME THE ACCURACY OR VALIDITY OF THE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card
Issue: Bankruptcy

Complaint:
I filed for chapter XXXX protection 5 years ago and discharged/paid off the protection. I tried to get a home equity loan for repairs because a negitve by American Express still on my report that should be removed since they were XXXX of the creditors that were part of the bankruptcy. Why is this negative report still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE APARTMENT LEASES IN MY NAME I HAVE MADE CRIMINAL COMPLAINTS AT LOCAL AND FEDERAL AGENCIES I AM A VICTIM OF IDENTITY THEFT I HAVE PROVIDED A COPY OF MY IDENTITY THEFT REPORT ON THESE ACCOUNTS ATTACH TO THIS COMPLAINT ***PLEASE SEE ATTACHMENT ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have filed bankruptcy and it has been dischraged, i had my XXXX mortgage in the bk and they are still harassing me. I have told them multiple times that my bk has been dischargedbut they still keep calling all day long

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
Multiple hard pulls of credit report for credit application On XXXX XXXX 2016, I applied for Synchrony Bank WalMart store card. At the end of the application, I was told to call an XXXX number to verify some info. I called on XXXX XXXX. I was told my physical address is needed in addition to the XXXX XXXX I had stated on my application. I gave the customer service associate my physical address. At this point Synchrony Bank ran my XXXX report again for a second for the same application. On XXXX XXXX, I had applied for a Lowes Sycnhrony store card. I received a letter in the mail asking me to send info about my physical address. I sent to Synchrony Bank, the info they requested and the letter was received on XXXX XXXX. Again Sycnhrony Bank ran my XXXX report for a second time. Thus, for an application for XXXX Synchrony Bank cards, this bank ran my XXXX XXXX report four times. I had applied for a XXXX XXXX card and I was told to call to provide my physical address. I did and my report was ran once, which was the date of the original application, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account with Citibank on XXXX XXXX, 2016. I entered the promo code " XXXX '', which was for a XXXX AAdvantage Miles bonus. I completed all the requirements of the offer : XXXX bill pay in two consecutive months and spend at least {$1000.00} in debit card purchases with their respective debit card. I made the qualifying bill pays in XX/XX/XXXX and XX/XX/XXXX and completed the { {$1000.00} } spend in XX/XX/XXXX. I contacted Citi via online chat session in XX/XX/XXXX after I finished all the requirements needed and was informed that I correctly completed the requirements and should receive the bonus miles no later than XXXX 2016. I contacted Citi again in XXXX to see why I had n't received the promotion. XXXX XXXX, customer service rep, sent me an email saying I will receive the bonus in XX/XX/XXXX. I messaged in XX/XX/XXXX and asked about the mile and XXXX XXXX, customer service rep said : " I can confirm the miles have been processed to your AAdvantage member account. Please be advised it may take an additional 30 days for the miles to be posted to your AAdvantage account. '' In XX/XX/XXXX I called and asked about why my miles never posted as promised at least three different times and was informed that I was not targeted for the promotion and will not be receiving the bonus. I 've looked through my files and emails, but have n't found the letter or email that had the original promo code on it. How can they take away the promotion after I 've met the qualifications and they have told me to just wait it out multiple times? If I was never targeted for this bonus, why did they let me open the account, give me a promotional disclosure with the rules, tell me I would receive it over their online chat session, charge me a $ XXXX monthly fee for the account ( { {$90.00} } deducted total so far ), meet the rules and wait all this time before finally telling me, after I had to contact them numerous times, that they are n't giving it out?

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 2016-10-17
Company: CITIBANK, N.A.
State: NY
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:
I disputed this line of credit with Citi Bank debt XX/XX/2016 with the credit bureaus. I never got it removed from my report even though my ex-husband opened the account, not 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 2023-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a loan online. Filled out my personal information, REPEATEDLY. Then, they said they needed my credit score and said if I didn't know it, I could get it for FREE, here .... and they had a link to click on that took me to XXXX. Again, I had to give all my personal information. I finally get to the last page that says they have my credit score ready, but before they will give it to me, I must give them my credit card # and info and get membership and pay {$1.00} now. That is not free. I don't want membership in anything, especially anything to do with XXXX because this is the 4th time I've encountered their fraudulent and deceitful *get your score for free* scam. The same with experian saying they will raise my score by XXXX points if I download their app. I don't get how this is even legal. It's so deceitful. Giving me a higher score for merchants to see and believe my credit rating is higher than what is should be is so dishonest. If people don't deserve a certain score, giving it to them because they downloaded an app is just shocking to me. I'm not sure about XXXX, but all 3 are always listed on the *free-not free* free credit report page.

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 2017-02-25
Company: CITIBANK, N.A.
State: NH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Hi, Payment in full was made over the telephone the banking account info was entered incorrectly and the payment was reversed, once we we aware of this we called to make payment in full being told that because of the error the late fees would be adjusted, each month when we got our statement, the late fee was never adjusted so each month for the last 3 months we could call and they would apologize guarantee us the fee would be adjusted and we have a XXXX balance. This last month same thing happened account shows a balance which is the late fee, we do n't pay the late fee because we are told it was going to be adjusted because we dont pay this fee, we are hit with another fee on top of it, we call again to get our fee adjusted and this time we are told they are not adjusting any more fees. I explain had this been done correctly in the first place I would not be calling for the fourth time to rectify this situation. I then asked to speak to a manager, not sure if this was a manager or just one of the reps colleagues to explain Final outcome they would not adjust and told me they could not give me special treatment. I explain this is far from special treatment this is horrible treatment, I was only going by what I was told on 3 previous occasions, I would appreciate any help you may be able to offer. Thank you for your time

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 2016-12-24
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me nonstop daily even on weekends sometimes before XXXX. I receive at least 7 calls daily they 've even sent me a collection notice via UPS.

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 2016-06-14
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX upon signing up for a gold checking account I called Citibank to verify if I am eligible for the signing bonus XXXX XXXX points if I meet all the requirements. I was told yes I will receive the promotion offer. Right after the requirements were met I chatted online with an agent again to verify if they were met, and I was assured by the agent saying yes ( I have a copy of the conversation - XXXX : at XXXX XXXX, the bonus points will be credited into your account within 90 days. 
XXXX : at XXXX I request you to wait. 
XXXX : at XXXX You will receive the confirmation message from our end regarding the points when they are going to credit. 
XXXX : at XXXX Rest assured. ) A month later I called again to check on the status and a male representative said the same thing and asked me to wait for 90 days. And a month later I called again and the rep. said she will make a request and send me an email, but I never received the email. 
Today it 's been over 4 months since I signed up for the account. So I talked with an agent online about the promotion offer. She then told me that I am not eligible for the offer. 
I called 3 times and talked online with at least XXXX other agents too, and they did n't know or check if I was eligible for the offer?! They told me to wait for 90 days several times. Now I have waited for over 90 days, and she said I am not eligible? If so, should n't they have said that at the beginning?!

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 2017-02-06
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In reference to Case number : XXXX closed without an answer. 
Citi sent us a letter denying the request to re-issue the check by stating they did not purchase XXXX and advises us to call XXXX. 
The problem with this is that all of XXXX 's toll-free numbers are owned by Citi and ring Citi 's mortgage units. This clearly shows that Citi purchased 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 2017-03-13
Company: Lending Club Corp
State: TX
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:
BEING SUED IN SMALL CLAIMS BY XXXX, UPON CALLING THEM TO VERIFY THE DEB, THEY SAID IT WAS WITH AN ATTORNEY AND THEY COULD NOT PROVIDE ANY INFO. HOWEVER THEY WERE ABLE TO VERIFY THAT THEY ARE A DEBT BUYER AND NOT THE ORIGINAL CREDITOR. THEY GAVE ME THE ATTORNEY 'S INFO. UPON CONTACTING THE ATTORNEY ON FILE THEY SAID THEY WERE REPRESENTING LENDING CLUB WHICH IS NOT THE FACT! AND IN FACT THEY ARE REPRESENTING VELOCITY INVESTMENTS ( WHICH IS ON THE XXXX WEB SITE NOT LENDING CLUB ) SINCE THEY BOUGHT THE DEBT AND ARE NOT ACTING AS AN ASSIGNEE OR EVEN SUBROGEE THEY JUST BOUGHT THE DEBT. THE ATTORNEY 'S REP IS SAYING THEY ARE REPRESENTING LENDING CLUB..AS I UNDER STAND " Holding unintentional misrepresentation of debt collector 's legal status violated FDCPA '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
My husband XXXX XXXX lost his wallet and there were some unauthorized charges on our debit cards from Citi bank. On XX/XX/2016 we disputed all unauthorized charges from our Citi bank debit cards. There were unauthorized withdrawals from my personal debit card and my husband 's business debit card. Our disputes were dismissed twice. Then my husband filed an appeal and a complaint to CFPB. On XX/XX/2016 he received a letter from Citibank that the charges were unauthorized and the final credit was issued to him. XXXX XXXX. 
On XX/XX/2016 I filed an appeal regarding my claim. Today I found out that they dismissed my dispute. I called the bank immediately and requested an explanation why my husband 's claim was approved and my claim dismissed. They could not provide with any explanation. To clarify - my card was in my husband 's wallet when it was lost. I was with my husband in XXXX XXXX. We faxed all supporting documents requested by Citi bank several times and filed a police report. They provided me with XXXX different dispute numbers for the same dispute, and they were calling my husband cell regarding my dispute instead of calling me. Why were they calling him for my personal account dispute? There is a miscommunication within the departments of the bank and a poor customer service. After I submitted the appeal nobody contacted me and tried to solve my issue. 
I am appealing this decision of XXXX as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) otherwise I have to file a formal complaint to Consumer Financial Protection Bureau and make my issue public. I have never authorized these transactions.

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