BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
Company: ERC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a current charter spectrum subscriber, when I signed up for the current service I told the rep there was a previous bill of {$75.00} dollars. He called into his supervisor and was told that balance had been taken care of and there was no bill to pay, now almost 2 years later I see a derogatory remark on my credit report saying I owe {$99.00} to ERC for XXXX XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
They call, leave no message at odd hours especially on Sunday at almost XXXX XXXX. I have sent cease communication notice through my debt management program and they harass me and my elderly parents. They know this is being handled by debt management program and I am sick of them calling me. It is " Portfolio Recovery Services. '' Total scam, even tried getting my mom 's bank information and I live XXXX miles away from my parents and have n't lived with them in over 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-06
Company: Olympic Collection Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
The creditor Olympic Collections arrived at my home to give me a summons. When I refused to sign he gave the papers to my roommate and informed us that he will keep coming back. After checking with my county clerk I found out this summons was fake. It did not have a proper case number nor the county clerk 's information. It threatens lawsuit, court fees and garnishment if I do not pay an amount that was more than double the amount owed for " court fees ''. I 've enclosed these documents, as you can see they are dated for XX/XX/XXXX and XX/XX/XXXX. I 've received these on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Many calls ranging from 5-6 per day, often before XXXX and after XXXX. I requested all contact to be conducted on writing and they still contact all day, every day although they have provided no proof of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call on my cell phone via an automated dialing system from a man who was very rude and immediately disclosed my debt without obtaining any verification from me. He advised me he was calling from the " litigation department '' and my account had been reviewed by an Attorney in his office. I interrupted him and asked if he was in fact calling me from an automated dialing system ; he refused to answer my question and told me if it was n't a good time to just say so. I informed him he is in violation of TCPA, and not to call my cell phone again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a derogatory mark on my credit report from an unfamiliar collection agency. 
This agency indicates that there are 2 collection accounts in my name : The first : {$750.00} opened XX/XX/2014 The Second : {$1000.00} opened XX/XX/2014. 
I am not familiar with these accounts, nor have I had any communication or contact with this collection agency. 
I have not been provided with proof of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a call for Portfolio say i owe them {$1500.00} and how i will like to pay it i ask them to give me some information on the debt i owe they say they cant tell her over the phone i have to send a letter in to them I them send them a letter of verification of the debt the send me a letter saying the have completed they investigation and the send additional documentation for my review witch is only a print out of a account statement for a balance of {$1000.00} and did not send me anything i ask for in my letter of verification for the debt Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Explanation of why you say I owe this debt ; Explanation of how you calculated the balance you say I owe ; Copies of any documentation establishing that the debt you say I owe is valid ; Copies of any documentation establishing the date the debt was open ; then they keep on call me ask me to pay the debt I ask for the information i ask them for in writing a over because the cant see nothing were i send a letter and i most have send it to the wrong address I told them it was a register mail them i send them back a register mail NOTICE OF INSUFFICIENT VERIFICATION and the send back the same letter ans statement and still calling me to pay the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage

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 2015-04-28
Company: CITIBANK, N.A.
State: NH
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card from Citi Bank and received a denial partially based on a bankruptcy that was started XXXX years ago with my ex-spouse. It was a Chapter XXXX and has been satisfied close to XXXX years ago. I was not aware they could use that old of information as part of determining my current credit. I am attaching the copy of their letter I have written on and a copy of my credit report I got about a XXXX or so ago. My status has changed over the last XXXX years both financially and marriage. Is there not a statute of limitation for them to use that against me?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
When I opened a Citibank checking account, the bank was pretty adamant I open a savings account as well, which I did. My understanding was they were to be linked. I recently noticed that although I usually keep over {$10000.00} balance, in the checking account, I am being charged a {$25.00} service charge for the savings account which is usually only several hundred dollars..I believe it was a bank error in not linking the accounts. I spoke with them today, and requested retroactive credit, but they would only credit the current month 's charges. While it is true that I probably received statements showing this, and did not notice, or question this charge, I do n't believe the charges were ever warranted, or explained to me when I opened the account, especially since I really did n't need a savings account, and was under the impression my accounts were linked. 
In fact the front of my statement shows " relationship total '', which would support my understanding of " linkage '', and it is not until further into the statement pages does the service charge appear.

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 2016-11-22
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received a XXXX Form XXXX from Department Stores National Bank, XXXX XXXX, SD for default on a Macy 's Credit Card. I sent a letter on XX/XX/XXXX asking for a corrected XXXX showing this was cancelled ( copy attached ). I have never had a Macy 's Credit Card. On XX/XX/XXXX, I received a letter from the IRS ( copy attached ) and subsequently sent a letter to the Payer 's Name listed in the IRS letter asking for a corrected XXXX. The letter was returned undelivered. The IRS is billing me f for taxes on this bad debt which does not belong to me. 
I want a cancelled XXXX clearing me of this debt that I do not owe along with a copy of the credit application showing where, when and by whom an account was opened in my name.

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 2016-06-17
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.

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 2015-10-29
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Credit determination

Complaint:
Recevied a response letter back from XXXX and XXXX credit department on XX/XX/XXXX. They did not address the iusse and they did not answer my question. Now it look like to me they are giving me the run around. On the XXXX first declined letters from XXXX XXXX and XXXX 's specifially states the following reasons were too many public records and they specifially pull my XXXX credit report. I am very aware what is in my credit report files. I ask a specify question ( what is consider too many items on ones public records credit report ) .I fine it odd that when I question XXXX and XXXX credit desesion I am getting the run around. The letter I received from XXXX XXXX and XXXX 's executive office found now states I was declined because of a bankruptcy file XX/XX/XXXX. After I question their first credit decision and asking a specify question which they never answer. On all XXXX declined letters they did not state anything about a bankruptcy on any of the letters. Now, I have a second question ( why XXXX and XXXX refusing to asnwer my first question ). I pointed out and I ask a question about their discriminate credit decision so they just send me letter avoiding the iusse by fining something else different. Yes, it make me feel I have been discriminate against due to where I reside like I stated in my first comlaints.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Diversified Consultants, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I would like to see proof that I have made them charges for  XXXX   XXXX   XXXX  and  XXXX . I would like to see proof of my identification card and signature and not a statement of the bill! I did not authorize those charges!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
citi card was charging me a phone payment besides the auto pay every month with out my authorization. I had no knowledge of the phone payment. When I contacted them they did not provide a clear response to 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 explanation
Consumer complaint received 2021-03-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called USAA because I was experiencing a hardship due to COVID-19. I made an arrangement to make the payment betweenXX/XX/XXXX to XX/XX/XXXX. USAA negatively reported the account the credit bureaus on XX/XX/XXXXbefore the payment could be made. I called USAA about the credit reporting issue and made the payment to bring the account current. My credit report is still showing a negative mark and I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when there was an arrangement in place to pay by a certain date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
For more than six years, I have had a Citibank account. Roughly once a month, I do a wire transfer from the Citi account to my XXXX bank account ( XXXX ), because I work in XXXX for an American company. I long ago set up a wire-transfer model/template on Citi 's website so I do n't have to constantly reenter the beneficiary bank information, which never changes. This process had worked seamlessly dozens, perhaps hundreds, of times. Then, on XXXX XXXX, 2016, I executed a wire transfer for {$10000.00}. ( Based on an exchange rate of about {$1.00} per pound, this would have converted into approximately XXXX XXXX. ) A week later, the money had n't arrived in my XXXX account. So I called Citi. They confirmed that the wire had been properly executed and said they 'd look into why I had n't received the money yet. They said that, upon resolution, if there turned out to have been a mistake, I had the choice of either having the {$10000.00} reinstated into my Citi account or having the equivalent in pounds transferred to the beneficiary account. By then I had arranged for an alternate source of money to be transferred to my XXXX account, so I told Citi that I would like to have the {$10000.00} returned. A few days later, around XXXX XXXX, having heard nothing from Citi, I called back. This time, they suggested that I amend my XXXX XXXX wire transfer to include an XXXX number. ( I 'd never included this before, because Citi 's template only requested a sort code, account number, and bank mailing address, and the process had always worked smoothly. ) I provided the XXXX over the phone and was told the transfer would now be executed. 

Two weeks later ( and four weeks after my original wire transfer ), on XXXX XXXX, I received notification from Citi that the transfer had been unsuccessful and they could either resubmit it again or refund the money. The catch was that the money had already been converted into pounds and, because of the steep devaluation of the XXXX due to XXXX, Citi would only refund {$9200.00} to my account. In other words, I would be stuck with a loss of roughly {$800.00}. A string of supervisors at Citi refused to budge, saying I had no other options. 

I still do not know what caused the wire transfer to not reach its intended destination, but I do know that it was not my fault. I used the same information for the beneficiary account that I have used dozens of times in the past, and ( since it is my own personal account ) I know that the information was and remains correct. It seems grossly unfair for me to suffer a huge loss due to someone else 's mistake. Please help!

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 think my information may have been impacted by a data breach and got into the hands of the wrong person. I did not authorized any of these. I have filed identity theft reports and will enclose them in this report.

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 2016-12-08
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have a credit card with Citibank. I made some charges at XXXX XXXX, and they were declined due to fraud alerts. I called Citibank and they said the issue was resolved and that I could re-do the charges and they would not be declined. I made the charges again, and again they were declined. I called back and stayed on the line with a representative while she removed the fraud alerts and said I could make the charges again. I made the charges again while on the line with the representative and was told they were fine and had gone through and would not be declined due to fraud detection problems again. The same charges were again declined the next day for reasons of fraud alert. By then, I was in XXXX and had to call from abroad to resolve the same problem for a third time. The representative I spoke to, XXXX XXXX id XXXX ) told me she agreed that I had been misled by the previous representative and that I had been told the issues had been resolved when they had not. I told her that I was now incurring international charges to resolve the problem and had to pay for expedited shipping in order to get the purchases in time for my trip here. I told they I felt they owed me reimbursement for the money I was spending to speak to them to resolve the issue, as I had tried to do so previously and had been told by a Citi representative that the issue was resolved and that the charges could be made and would not be declined, when in fact this was untrue. They declined to address the costs they had caused me in any way. I feel Citi should take some responsibility for the time and cost I incurred in fixing a problem that occurred on their end, caused by their representative telling me that she had fixed the fraud alerts on the account and that I could make the charges without any further interference from the fraud detection system when in fact this was not the case.

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 2016-08-04
Company: CITIBANK, N.A.
State: AE
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was provided an offer to earn XXXX bonus AAdvantage miles if I signed up for a citigold checking account and met certain requirements within 60 days. I confirmed with Citibank in writing that I qualified for this offer and I was ensured that I indeed was qualified and enrolled in this offer. 

I confirmed I was enrolled and qualified for this offer on XXXX separate occasions in writing. When I eventually met the requirements for the promotional offer, I was informed that I had met all requirements and I had to wait 90 days for the AAdvantage miles to arrive and that I would incur a {$30.00} monthly maintenance charge on this account. After 120 days I had still not received these miles promised by consumer representative. In conclusion, Citibank provided a promotional offer that required waiting several months while incurring banking fees before AAdvantage miles could be awarded. Then, once the promotional requirements were met, the consumer representatives promised AAdvantage miles would be arriving in 90 days. After 90 days, I was told I wo n't get this miles even though I was told at several times I would.

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 2023-06-27
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I can no longer access my account in crypto.com that has about {$90.00} in bitcoin. 
Crypto.com is not responding to complaint

Company response to consumer: Closed with explanation