BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-24
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My husband and I purchase a vehicle finance by Ford Motor Credit in XX/XX/XXXX the vehicle was repossessed by Ford in XX/XX/XXXX for non payment at the time my daughter was ill and because of the care and treatment for her we were not able to meet our obligations for paying the vehicle on time as such we fell behind on payments and the vehicle was taken we were not able to meet the back payment to get the vehicle back the vehicle was sold for {$6000.00} at the time we were balance on the loan XXXX. Ford sent a letter to collect the balance of over {$6000.00} which we were not able to pay. The account was taken over to collection agency which filed a judgement against us in XX/XX/XXXX the first judgement lasted 10 yrs and was again renewed for another 10yrs in XX/XX/XXXX, as a result of the judgement and the repossession we have been unable to finance anything on credit at normal interest rate we have since been able to finance vehicle at buy here pay here and the interest rate as high as 30 percent. We have suffered the shame of having the vehicle repossessed and our credit ruined for the last 11 years. This past week we receive a execution order from our local sherif office to seize our assets when I contacted the office I was advice t make arrangement can be make payment on the debt my husband and I are unable to take on any more expenses we are still recovering from debt of hospitalization of my daughter, my husband loosing his job in XX/XX/XXXX I do n't understand how Ford Motor Company was provided federal bail out at the financial crisis but someone like my husband and I can not be forgiven for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Midwest Service Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX, XXXX, called my Cell phone, ( no permission given to call cell ) from a blocked number. Showing as " Unavailable ''. Then I said I was still in the 30 day dispute stage and told her the dispute was miscoded insurance claim. she informed me that " you know you owe it. '' Repeated asked from my credit card information, even though I had no verification it was even the collection agency. Then she told me I had the XXXX from XXXX for over a month. ( misrepresentation ). I told her I guarantee you I have not. please verify the date. Then she called me a long time collection problem. How would she know? did she pull my Credit Bureau? or was she just making false statements.

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 2016-01-13
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have my car loan with Ford Credit. My account number XXXX. On XXXX/XXXX/XXXX, I went on line to make my XX/XX/XXXX payment but the on line payment screen indicated my account was current and my next payment due date was XXXX/XXXX/XXXX. I have attached a copy of the screen shot for your reference. As a result, I did not remit my XX/XX/XXXX payment. Again, the on line screen showed that my account was current and a payment was not due. I thought that either Ford was offering some type of skip a payment since my due date was showing as XXXX/XXXX/XXXX or that since I had been making payments every two weeks ( 1/2 total payment paid every two weeks ) that my loan was truly paid current. Just recently, I received a letter from Ford advising that my account was past due. I contacted Ford today, XXXX/XXXX/XXXX, to ask how my account was now showing past due if on XXXX/XXXX/XXXX my account was showing current. Please note my payment is due on the XXXX of each month. The customer service representative told me she did not know why the on line screen would have showed that my payment was current and that I owed the XX/XX/XXXX payment immediately. I asked to speak to her supervisor who told me the same thing. The supervisor also told me that I was the only one who had called to report this type of issue. He implied that what I was telling them was not true ; however, please refer to the screen shot I have attached. I asked if they would allow me some extra time to remit the XX/XX/XXXX payment as the XX/XX/XXXX payment was due next week. I was told I must make the payment immediately XXXX no later than XXXX/XXXX/XXXX ) or they would report the payment past due to the credit bureau. Ford Credit completely disregarded my concern and made no exceptions for me even though they clearly made an error. It is clear that Ford Credit 's on line payment system was incorrect. I do not agree, nor do I think it is fair, for Ford Credit not to work with me to allow me extra time to make my XX/XX/XXXX payment ( without reporting my XX/XX/XXXX payment as late ). Their customer service is inadequate and they failed to " resolve '' my issue. I reported an error to them over the phone today, and I am now reporting a notice of error that I expect to be resolved. Just stating that no one else has reported this issue and demanding I make the payment immediately does not constitute resolution. Ford Credit can not display incorrect information on their on line system and expect their customers not to voice a concern or ask for an exception due to their error. This seems to be an unfair and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: United Resource Systems, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have contacted this company United Resource Systems Account # XXXX a Debt collector To remove the COMMENT on credit report ( Account information disputed by consumer ) They do n't want XXXX to remove that comment even though the investigation is over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
At XXXX XXXX in XXXX I took in a Certified Vehicle Certificate for a XXXX Ford Mustang GT convertible which was not granted not disposed in my favor. I was treated unfairly, harassed, insulted by Visitors, Customers and entire staff at XXXX XXXX in XXXX. I was informed by employee that nothing was in it for them, so they could n't grant my certificate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: ZIONS BANCORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been banking for several years at California Bank and Trust, which originally was XXXX XXXX. My husband was added to my account in 2001. My husband was diagnosed with XXXX-which is an XXXX protected XXXX in 2007. This XXXX affects a person 's judgement and causes XXXX. I informed my contact at the bank, XXXX XXXX, and he informed the branch in XXXX where we usually do business and they were helpful. My husband does n't do much banking, does n't write checks, he mainly went there to have coffee and chat. 
Unfortunately, XXXX XXXX was forced out of his position in XX/XX/XXXX and that 's when my problems with CBT began. My husband believed I had forged his State Franchise Tax board refund from 3 years ago and wanted to get his money back. The money was debited from our account. I got a call from XXXX, the operations manager and explained the situation and thought that was the end of it. 
I had XXXX the following week and when I got home there was a letter stating that the bank was closing our account because they " no longer felt comfortable '' with us as clients. 
I feel that this is a violation of my husband 's protection as a XXXX XXXX. 
Since I was in no postion to go out shopping for a new bank, I offered to close our joint account and get one solely in my name at the XXXX branch and that was refused. 
On 10 different occasions, I attempted to contact administrators of CBT or their parent bank, Zion bank and never received a call back to me. 
The best I could get was they would keep my account open until XXXX XXXX and they did n't even abide by that-I got a returned check charge from the Gas Company because CBT woul n't clear a check on XX/XX/XXXX which was a clear violation of their agreed policyI feel that they both discriminated against us and violated fair banking practices

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EXPERT GLOBAL SOLUTIONS, INC.
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hi I keep getting repeated calls from NCO Financial services on my cell phone. They are looking for someone who is not at this number. I have told them this verbally over the phone as well as emailing them and telling them this. Yet they keep calling me. The number they are calling me at is XXXX. Please can you help me to get them to remove my number from their dialer?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We contacted PHH Mortgage, our loan company ( and several others ) to request a refinance of our loan on our primary residence. Our current loan is {$550000.00}, 30 year ARM at 3.5 %. We intend to pay down the loan with cash from a house we sold in XX/XX/XXXX. 
The new loan would be {$190000.00} for 15 years, and after completion of loan application we were informed that we were locked in at a rate of 2.875 % After several days we did not hear back from PHH, I called to inquire when we would need to provide various documents to complete the loan process. At that time I was informed that due an error on PHHs part the rate did not get locked in and now it would be 3 %. 
I thought this type of " bait and switch '' practice was illegal, but apparently the practice has not discontinued. 
Here is the contact info. 
PHH Mortgage XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX Loan ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage loan in XXXX XXXX. I was due an escrow refund of {$3300.00}. I called the mortgage company, PHH Mortgage, XXXX New Jersey, on XXXX XXXX, XXXX to inquire about they money they owed me. A person named XXXX XXXX said they had to research the matter, and I would receive a letter of resolution from them by XXXX XXXX, XXXX. I did not receive anything. I called them on XXXX XXXX, XXXX and they said they would have to analyze the account. I objected to this, so they put me on the phone with a supervisor who told me they would send the escrow refund via XXXX that day and call me with a tracking number. They did not call me with a tracking number. I called them on XXXX XXXX, XXXX and they said they would send the check but did not have a tracking number yet ; they told me to call back later that day for a tracking number. I called on XXXX XXXX, XXXX and they said I would receive the check by XXXX XXXX, XXXX. I do not believe they intend to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Allied Collection Services, Inc. (Nevada)
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied collection services ( ACSI ) harassed me by calling repeatedly often times back to back. 
I spoke with XXXX at ext XXXX today and was told, " my account will be reported as delinquent to the credit bureaus TODAY. '' I asked her how she knew for sure and she told me that because my account was with them for 30 days, it could report any/ each day. When I asked if I could make a payment free of charge, she said no. When I asked if I could pay sprint directly, she said, " no you can not pay them because they can no longer access your account. '' When I asked if I could mail in a payment, she told me to mail it to XXXX directly. I questioned her about her contradiction and was told that they could abrupt my payment, but I could not pay them directly. I asked for an address to send a money order again and was given a general address for ACSI. 
Upon hanging up with XXXX, I immediately called sprint directly, spoke to an agent and made my payment. That agent assured me that the payment info would cancel ACSI 's collection attempts. ACSI/XXXX egregious and belligerent lies and tactics are completely unacceptable! They should be fined for such behavior or at the very least, we as consumers should be afforded some kind of recourse against this disturbing behavior demonstrated by allied collection services Inc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have tried repeatedly to close my Sears account. It 's an automated phone system and you can not speak with someone. My account still has not been closed. I received a new card just yesterday.

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 2017-01-21
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.

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 2015-04-07
Company: Collection Center Inc
State: WY
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
We had been paying on a debt through the Collection Center in XXXX, Wyoming. We had been having automatic withdrawels out of my husbands bank account XXXX a month to pay on this debt. In XXXX of XX/XX/XXXX my husband had to have surgery so the payment in XXXX was the last XXXX we had made. We did call and was working with an agent at the collection center named XXXX who was working with us and understood our situation and new that just as soon as my husband went back to work we would continue paying this debt. Today we discovered my husbands bank account was XXXX. We called the bank and they informed us that the collection agency had garnished not only the checking but also the savings account. Which is double the amount of what we owe the collection agency to satisfy the debt. We called the collection agency and they informed us that because we had n't made a payment since XXXX they had put the garnishment against us. We have recieved no current court documentation regarding any garnishments or intent to garnish and also informed us that the agent we were working with had quit last month so they just took it upon themselves to file the garnishment which they said they used a judgement served upon us back in XX/XX/XXXX. My husband and myself feel that this has to be illegal somehow. We do n't understand, firstly how they can garnish his accounts based on a judgement from 8 years ago let alone garnish us in this matter after we have been faithful in payment up until my husbands surgery, and not to mention the fact that the bank account is now in overdraft for XXXX the amount owed, which they are denying but the bank statement we have clearly shows a negative balance for XXXX the amount. Please help us

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 2015-09-22
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OneMain Financial has been calling my home trying to contact my mother-in-law regarding her account with them. They call several times a day starting early in the morning until about XXXX. I usually get 3 to 4 calls a day, both robocalls and human. I have told them that my home phone number is not her number and she has as well but they continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.

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 2016-07-10
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have a CITI gift debit card. It expired on XXXX. It still has funds on the card. I spoke to Citi customer service on XXXX/XXXX/16 ( spoke to XXXX and she referred it to XXXX XXXX ) and they would not issue a replacement card or a check.

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 2016-06-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
Citi Bank Credit card have unusual way of computing their interest rate. They have created a flexible billing ( fluctuated cycle ) so they charge their customer more interest regardless of when the card 's payments were made. I do not think this is right, billing cycle should be adjusted so it will be the same each month. Citi Bank Master card charged more interest in XXXX 2016 than XXXX 2016 although the balance in XX/XX/XXXX was less than XX/XX/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 2016-04-09
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I was owed a refund from XXXX after I cancelled their service. Instead of refunding the payment mechanism used to pay them, or by check, they arbitrarily decided to refund me via a Prepaid Debit Visa issued by Citibank. XXXX signed me up for a financial product, and entered me into a cardholder agreement with Citibank ( while sharing my PII with them in the process ) without my explicit permission. From the cardholder agreement : " To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account ''. I did not give XXXX permission to " open an account '', on my behalf with Citibank nor am I ok Citibank holding my personally identifiable information. Additionally, there is no option to receive cash out from the Debit Card. So, I am now forced to purchase something in order to receive back money XXXX owes me. This was not a promotional refund. This was a pro-rata refund of monies I paid to XXXX for unused services. Additionally, there are fees attached to this card ( see attached schedule from the cardholder agreement ) which I find objectionable. Even if all of this is disclosed somewhere in the fine print of XXXX 's customer agreement, I do n't see how negative enrollment into a financial product, without a limited power of attorney, which would absolutely be necessary to enroll me in a financial product, could be legal.

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