BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-24
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I submitted a complaint # XXXX to the CFPB regarding excessive charges by Citibank. Subsequent to my complaint, Citibank has retaliated by cutting off access to my checking account. When I log in online I ca n't see any details of my account. I ca n't access my balance, transfer funds, or even see which bills I have or have not paid. I need full, unrestricted access to my checking account, and Citibank needs to refund any fees that may result from restricting my access to my money.

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 2016-12-08
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank had a promotion offer for getting XXXX dollars after opening the checking account, deposit XXXX dollars within the first month and keep the account for another 2 months. I opened the account on XXXX XXXX through the phone, I gave them the bank information that I want to transfer the money out and they sent me some documents to sign for opening the account which also included the bank information for transferring money from my other bank to citibank. I signed all the documents and sent them back to citi immediately, but they never processed my documents and they never initiated my deposit into citibank. It was XXXX XXXX that I realized I never received my debit card, which is a proof that they never processed my documents. I called citi again and asked why they never sent me the debit card and initiated the deposit, and the representative told me it was their mistakes. I asked her if I was still qualified for the XXXX dollars promotion and she said I did because it was their mistake, she also promised me that she will put a note under my account saying that it was their mistake that made me miss the XXXX month deadline and I was still qualified for the promotion. So I asked her if she needed the bank information to transfer the money out into Citi and she said she had all the information she needed and there is no need for me to provide anything else. So I asked her to initiate the deposit into citibank and sent me the debit card. She did it immediately and the money was transferred to Citi the next day. She also sent my debit card by overnight shipping that I was able to get my debit card the next day as well. After three months, I did n't receive my bonus. I called citibank several times explaining my situation to several different representatives, they were able to pull out my files and saw that everything I talekd to them was correct My debit card was never sent to me, my deposit was never initiated because of their mistakes, so they created XXXX consecutive investigations for me. But everytime I got the result back, it was the same reason, I did n't deposit within the first month of the account opening. Since I gave citi all the bank information that they needed to get the money from another bank when I opened the account through the phone, and I also sent back those documents through the mail, it was citi 's mistake that they never processed my deposit request and the representative I talked to on XXXX XXXX also promised me that I will get the promotion, otherwise, I would n't continue deposit the money and put it in there for more than three months.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XXXX XXXX, 2016 with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not 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 explanation
Consumer complaint received 2015-09-04
Company: AMERISAVE MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage with Amerisave for a refinance of a condominium in XX/XX/XXXX. Because the condominium was in a new development, I had been unable to get a 30 year fixed loan with other lenders as they said the project had to be completed first. I had used Amerisave before, so I called the loan officer who had done my other loans and mentioned that I was unable to get a loan on this particular condo until the remaining units were completed. He told me that Amerisave could do the refinance, a 30 year fixed rate loan. I told him that I did not want them to run the credit check and the appraisal unless I was assured that Amerisave could do this particular loan -- a 3.75 % 30 year fixed loan with no points -- on a condo development that was not completed ( although my condo had closed in XX/XX/XXXX ). XXXX XXXX, the loan officer, assured me repeatedly that Amerisave could do this loan. He also assured me that since we had just completed a refinance on my other condominium that he knew I was personally well qualified for both loans. With this assurance, they ran my credit ( which was excellent ) and I paid the {$450.00} for the appraisal. The appraisal came back within a week, and the value of the property was much higher than we expected. The condo appraised at {$1000000.00} and the loan was only for {$560000.00} -- a much better loan to value percentage than when I originally applied. For the next four and a half months, I produced every document requested the same day. I complied with every single document request immediately. The 60 day lock on the loan expired on XXXX XXXX, and leading up to that I continued to inquire why the loan had not been approved and why we were not going to closing. They either would not respond to me, or would request yet another document. I was repeatedly assured that the loan would be approved, they were just swamped. By XXXX I was calling them almost daily to figure out what the problem was. I went to XXXX supervisor, his supervisor 's supervisor, all to no avail, until one day in mid XXXX I was told by his supervisor that Amerisave would never make a loan on a condo development that was not completed and had not yet been approved by XXXX. I told her that this was precisely the threshold question I asked XXXX XXXX before I agreed to pay for the appraisal and go through months of agonizing document production. She told me he never should have told me that and that they would refund my appraisal. I asked her in mid XXXX to process the refund. she then stopped taking my calls/emails. I then reached XXXX XXXX by calling from a different number, and he said I would have my appraisal fee refunded " within a week. '' that was almost a month ago. XXXX XXXX now will not answer my calls, return my calls, or respond to my emails.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: Harris & Harris, Ltd.
State: CA
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 am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2016 I used my American Express serve card to try and withdraw {$200.00} from my account at a ATM. There was an error on the transaction and no money was dispensed but {$200.00} came out of my account. I reported the dispute that night and did everything required on my end but still have n't received a provisional credit and they still have n't resolved the issue. It 's been past the 45 days they said would be the maximum time it would take to resolve. Everytime I call, they tell me different information and will not let me contact the dispute team. I am very unsatisfied with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a XXXX Preferred Guest ( XXXX ) AmEx card on their website where it stated that I would receive XXXX points upon the XXXX purchase, and and additional XXXX points if I spent {$5000.00} within 6 months. I was approved for the card and fulfilled the terms stated on the XXXX/AmEx website. 
I noticed that these points have not been applied to my account, so I called AmEx. They said it might be that I did not qualify for the promotion although this was never mentioned to me when I applied. 
If I did not qualify, it is AmEx/XXXX responsibility to make this explicit to me at the time of application, otherwise I would not have applied for the card. 
I expect AmEx/XXXX to honor the promotion upon which I applied on their website, and deposit XXXX points into my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: ENCORE CAPITAL GROUP INC.
State: WA
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 'm receiving repeat hang up phone calls from Midland Credit ( XXXX ). I do not have any collections and I 'm concerned that this is a phishing call when I called them back they wanted personal information that I would not give. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan through XXXX XXXX XXXX and they use XXXX XXXX XXXX, XXXX. They have no other repayment options besides just making the monthly payment. They only have XXXX small forbearance period and it is just not enough. I am not going to be able to pay the full amount my lending institution is asking for. Once my deferment for school ends in XX/XX/XXXX, they will be asking me to pay almost {$600.00} monthly. I am only working for a non-profit that does not pay much at all. I attended XXXX XXXX College in XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ref No. XXXX. Creditor City of XXXX, Acct No. XXXX, Principal {$690.00}. 

In XXXX 2013, I stopped by the local fire station to have my XXXX XXXX checked. After the test, I was instructed that they needed to take me immediately to the closest emergency room due to my XXXX XXXX XXXX. I responded that I lived down the street and I could either get my wife to drive me or that I could drive myself. The staff recommended that they take me by ambulance immediately for safety purposes. They told me that it was covered by insurance and that the normal costs were {$50.00} to {$75.00} out of pocket. Later, I received a bill in the mail indicating that I owe the City of XXXX {$690.00} for the ambulance ride because my insurance company would not pay for the ride. I immediately contacted the credit collector and he told me to file a complaint and that after they reviewed it, the City of XXXX could wright off the expense since the Fire Department misrepresented the {$690.00} out of pocket cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX my CHXXXX bankruptcy was discharged. As part of that, I signed a modification agreement with CitiMortgage ( who holds my 2nd mortgage ) that set new terms and forgave all my late fees, etc ( the details of this agreement are in the attachment " BK Citi Home Equity Modification.pdf '' ). One of the costs listed in that agreement was attorney and appraisal fees that totaled {$1500.00}. I just needed to pay the {$500.00} per month until the new loan maturity on XXXX/XXXX/XXXX. I made the payments for about a year, and then CitiMortgage sent me a notification that I was delinquent in the loan and had to pay the outstanding balance immediately. They also began sending me mortgage balance statements that showed I was delinquent in paying {$10000.00} for attorneys fees. I assumed since I had signed the modification, that these fees did not apply. They have been sending me these for a couple years now and I noticed that they started adding {$25.00} each month to this delinquency fee. I can not afford to have a lawyer review all this, so I want to find out if I am required to pay the now {$11000.00} delinquency fee or of that was discharge as part of my banruptcy. Please see the attached mortgage statements and delinquency notices.

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 2015-09-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had a personal loan with HFC beneficial. This loan had an extremely high interest rate. In XX/XX/XXXX I was XXXX. Due to medical bills an inability to work I fell behind in payments. I tried to negotiate a lower payment and make arrangements to pay with the creditor and they refused to help me. Prior to this time payments were made in a timely fashion even when they closed the brach that I usually made payments at. They continued to add fee after fee and added XXXX more years to this loan. This was a predatory loan. They used to charge {$12.00} just to make a payment online. Now my credit report is ruined because of the unfair billing practices of this company. Eventually I think this loan was transferred to XXXX XXXX. This loan was paid in full in XX/XX/XXXX. 2 years after it was originally supposed to be paid off. No explanation was ever given to the additional charges and I believe I was forced to pay fees that were undue. This company preyed on people who were desperate and then overcharged them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have credit inquiries on my XXXX XXXX that I don recognized everything on my credit from XXXX to XXXX I havent authorized

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 2015-06-27
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
I would like to file a complaint on American Express Credit card services. I have the blue sky miles card. I signed up and had an introductory rate of 0 % for 15 months. My interest rate is now 17 % and I 'm being charged this interest. I have submitted the request for SCRA benefits over XXXX times and have had no results from doing so. I 'm currently on XXXX in the XXXX. Someone from the SCRA department over at american express contacted me and told me I was n't eligible for the reduced interest rate under the SCRA and that they already credited my account all interest charges back but once I continued using the card it went back up to the cardmember APR. I know that this is n't by the law and should at least be by the mandated 6 % for active duty service members. I was told that they would n't do anything for the XXXX or any interest charges. I 'm also XXXX soon and they did n't regard any of that. Finally, I 'm still on XXXX and need this adjusted I 've submitted these requests more than once. I 've since racked up over {$300.00} interest. I 'm considering suing American Express over this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
I have recieved several calls from a company named Midland Funding. They are said to represent a payday loan that was taken out in 2012 online. They provided a false email address and false home mailing address. They have said the would sue me taking legal action because they want to ensure they will get monies in return. They accused me of recieving a payday loan at about {$2800.00}. When asked for proof and paper work trail they immediatly hang up.Then recall again within an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had a consolidated student Loan through XXXX, made payments on it over time. When my son was born, he was in the hospital for four month, I got a deferment. The deferment ended sooner than expected and I went into default. I made XXXX payments to Transworld Systems Inc to get my loan out of default. After that, they said it would be up to 60 days before someone bought the loan. It has been four months, I continue to make payments to Transworld, and I am still listed as in default. In addition, it was a 15 year loan and I now owe more on it than when I started. Because of my family 's unique situation, we need to apply for a mortgage immediately, and we have built our credit up to do so, but are unable to do anything until this gets resolved. All XXXX of us ( wife and XXXX kids, XXXX with XXXX ) have been living in my in-law 's basement while Transworld continues to list me as default even after I complied with my end of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Guy C. Zukeran, Attorney at Law, LLLC
State: HI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The debt collector, XXXX, researched my new address ( they did n't have mine on file apparently ), and instead of sending me a correspondence requesting I contact them or pay my debt, they issued a law suit! Fine, I owe the debt, I need to pay it right? I get it, I am okay with that. But they should have asked first. But my real complaint is that they served a summons with my personal information about debts I owe to a roommate! This information did NOT need to be made public in the form of the lawsuit nor the summons to my roommate if they had just contacted me to begin with. This needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Spoke with collections rep XXXX XXXX at Midland Credit Management XXXX MCM ) in regards to XXXX XXXX Card at XXXX XXXX on XXXX XXXX, 2015. He spoke with my husband before he got the permission from me to discuss the matters of the account XXXX the kind of debt and settlement ). He also brought his manager on the line XXXX XXXX and I Spoke with him starting at XXXX. He brought up other debts as well but never address the privacy violation of his associate but continued to try to collect. The rep went against privacy acts and FDCPA rules and never addressed the concern. They stated the call would be monitored and recorded, so they should have the call in their records.

Company response to consumer: Closed with explanation