BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: ZENCO COLLECTION, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of Zenco Collects ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a XXXX credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the XXXX XXXX indicated on their website. I see the letter was not picked up and is being returned now. I sent XXXX more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a XXXX-only to their street address and XXXX XXXX-only to the XXXX XXXX address. I informed them in the letter that all my debts were discharged by XXXX XXXX bankruptcy in XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-13
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied for a credit card from Citi 's website, the XXXX XXXX. On the website when I applied, it stated that I needed to spend {$1000.00} in the first four months to get the XXXX bonus points. When I satisfied this condition, I did n't receive any bonus points and when I asked them why they claimed I signed up for a card that only paid out a bonus when {$2000.00} of spending was hit. -- Had I been told at any point after I applied that I signed up for a card with a {$2000.00} target, I could have accommodated that, but nowhere in my card member agreement or welcome letter or email did it mention that I needed to spend {$2000.00}. My complaint is that Citi is doing a bad job of informing customers of how much they have to spend to hit sign up bonuses after they apply for the card. This is probably so they can have as few variations of letters/emails as possible, but it feels like a bait and switch - I thought I had to spend {$1000.00} to get a bonus and nowhere did Citi say otherwise until six months later when I messaged them and asked where my bonus was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
CITICARDS CBNA, XXXX, XXXX XXXX, XXXX XXXX issued a credit card to a person who used my Social Security number without my consent. Had city bank handled the application appropriately, they would have seen that I already have a Citibank card issued under my name, and that I live in a different state from the thief who committed this fraud. CITICARDS should have flagged the application and called me to verify. Instead, CITICARDS mishandled my personal information ( social security number ) and validated to the thief, that my SS # was a good number by issuing a credit card to XXXX XXXX ( the name the thief gave ), who does not reside in XXXX, but rather in XXXX, XXXX Because I am in the process of finalizing a construction loan, I am always checking my credit score on XXXX XXXX, and that is how I found out that a new account had been opened XXXX. I immediately contacted CITICARDS and advised them I would be filing a police report. CITICARDS did not want to provide me much information other than verify that the card was issued to a XXXX XXXX who used my social security number and who had already charged over {$600.00}. I was transferred to the fraud department and since then, I have not been contacted by anyone from CITICARDS. My personal information was mishandled and CITICARD neglected to flag this fraudulent account. I would like to know what there policy is in processing online applications? Why the card was processed without properly verifying by contacting me, the person who 's social security was used? Why was this account not flagged when processed? Who authorized the issuance of the credit card? This has affected my credit score and has caused me to file police report, affidavits and fraud alerts with the IRS, FTC, XXXX Credit Bureau 's and now you. I have had to take time off of work to handle these matters and it is now turning into a nightmare because this thief has attempted to commit fraud a second time, but was stopped by XXXX which I purchased right after the first incident.

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 2016-07-11
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, Citibank closed my credit card account in error after I had contacted them asking them to cancel and reissue a new card to me because there were concerns that the previous card ( itself a replacement issued following recurring fraud on my account ) had been lost in the mail. After alerting Citibank to their mistake, I managed to get the account reopened. However, the rewards point balance on my card account was not reinstated, which it should have been because it was Citibank 's mistake to begin with. I have contacted Citibank about this issue multiple times and been assured that the points would be transferred to my new account. However, to this day I have not received satisfactory resolution of this matter - my points have still not been transferred and I have not heard back from Citibank on the status of the transfer. The points are worth a variable amount depending on what they are used to redeem, but a good estimate would be about {$400.00} in most circumstances.

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 2015-11-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
1. I was told when checking-out at Home Depot that if I signed up for a HD credit card, I would get 5 % off every time I shopped there. I would need to follow-up and sign-in online to fix my settings so I would get that 5 % credit to my statement. 
2. I proceeded to get the card and shop at Home Depot ( HD. ) I did not receive 5 % off. I signed in online but I was not able to find a 5 % off benefit anywhere. 
3. I called in to the card 's phone number to express my concern. After being escalated to a manager, I was told that the 5 % off was not a card benefit, but a store benefit, so I would need to speak to the store manager. This was on XXXX XXXX. 
4. I went in to speak with the store manager on XXXX XXXX who told me that, yes, I could get 5 % off, but I would have to inform the cashier each time I checked out. 
5. I proceeded to shop, and when I checked-out, I told the cashier I wanted to get my 5 % off. He tried to get the discount, but was unable to because he said there was a glitch in the system. He shrugged his shoulders and said 'sorry. '6. I called in again to cancel the card and expunge the record of having an HD credit card from my credit history. They refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-02
Company: Movement Mortgage LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We began the buying process about two months ago with Movement Mortgage. We applied for an FHA XXXX loan originally, but switched to the FHA because we would n't close on time according to the lender. Our original closing date was XXXX XXXX, the lender called and told us we would not be closing on the XXXX that we would close on the XXXX of XXXX and sign the amendment at closing. The lender told us and the seller that we had everything we needed to close, and that we would definitely close on the XXXX. When closing time came around someone ended up dropping the ball and needed additional information to close. The additional information was everything they had already received from us. We are getting a heck of a deal on a home, and this has caused us to be in a bind. The seller is coming close to pulling out because of other commitments and obligations. This company had ample time to request documentation, we continuously stayed in communication with the lender and followed up with request. this is very unacceptable to not have thoroughly reviewed our submitted documentation. There is no excuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: AFNI INC.
State: MN
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 closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I failed to pay my last bill for {$100.00} with XXXX in XX/XX/XXXX. The account was sold to Diversified collections agency. I paid the full amount to Diversified in XX/XX/XXXX with the verbal agreement that they would delete the derogatory information from my credit report. Not only did they fail to uphold their part of their agreement, but they reported to XXXX " Settlement accepted on this account ''. This is false. I paid the full amount, and I paid with the agreement that this would be deleted from my report. Additionally, because I paid the account 3 years after it XXXX went delinquent, this will not fall off my report for 3 additional years. I have been penalized for making good on my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Empowerment Ventures, LLC
State: CT
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I ca n't believe a system upgrade on XXXX XXXX, 2015 is still having glitches. It took me 4.5 days to get them on the phone so I can ask what is going on with my account. And when I did get a hold with someone they could n't answer my question. They told me they were working on it. Customer service rep needs training. She got me more upset by having no knowledge as to what was going on. Just that it 's being handled. I asked what the ETA was or a ball park ETA once again I was told I do n't know. I asked a couple days, weeks. months????? Once again the response was I do n't know. They need to get together. Who in the world upgrades their system and not have knowledgeable technical support to fix the glitches. It is now XXXX XXXX 2015, still not resolved. Please hire a real technical staff to fix this or you wo n't have any customers left. This has been frustrating and stressing. I have had anxiety issues over this. This kind of service is inappropriate and disastrous to your business. I want any fees back and credited to my account asap. Also the day of the upgrade it stated I had money in my account, then hours later it stated I had a XXXX balance. I yet still have n't seen where my money went. PLEASE FIX THIS. Hire compentent employees, compentent IT technical support for upgrades.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX XXXX XXXX ( XXXX ) stole my car without due cause. In the process, they stole over {$810.00} in cash between my XXXX cars and other personal items ( such as my personal finance information used to finance my auto loan ). An 'investigation ' was 'conducted ' and the result was no money was stolen. This is 100 % false and is theft. I have audio recordings of other unfortunate individuals stating they too had items stolen out of their vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
About 6 years ago I called Capital one credit cards. I was having financial issues. Explained to them I needed help. Capital one helped me with the hardship program. I then gave them my routing number and checking account number. A payment of {$50.00} a month was taken from my account. I gave them permission to do that. The payment went out for years, timely, never late. Then on XXXX/XXXX/2015 I received a phone call from a debt collection agency. stating my payment was late. I looked into the matter. Capital one stopped taking payment on XXXX/XXXX/2015 with no notification and sent the account to collections. It was told to me by the collection agency that capital one did that because the account was n't going anywhere and they considered it a loss. I called Capital one to find out what was going on. They are looking into it. I have copies of all the payments. That where never late. Capital one decided to stop taking the payment and did not call me or mail me any communication. as of now the payment is 60 days late. Which I tried to pay but capital one wont take it. This was their decision to stop the payments not me. This is very wrong. My credit report will reflect this and is was n't my doing. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I normally have my pay check deposited onto my rushcard every two weeks. This week when I checked the money had been loaded onto a card that i havent used in years. When I contacted customer service i was told there system is down and they were working on this. I have called 4 or 5 times. I have been hung up on and put on hold.Today i was on hold for 2 hours. I have no access to my paycheck at all. I feel this problem should have been resolved over a week ago. They have no plans on reimbursing me for late charges I 'm going to recieve for payments I am unable to make. I just want my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
BOA had inaccurately mis-posted payments on my loan that caused my mortgage loan to fall deliquent and inaccurate reporting to the credit bureaus. Now I am getting garnishment notices from the US Department of HUD for a partial claim that BOA failed to payoff when the home was sold. I 'm at a dead end and do not know where to go from here. Any intervention on your offices behalf would greatly be appreciated. The whole experience with BOA has been a nightmare up to this point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My card was stolen XX/XX/XXXX, and I didnt know about it until it was I seen the charges. I called one of the locations the card was used at and I reported it to my bank and they are denying my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a XXXX XXXXXXXX card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX XXXX card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX 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 2018-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent XXXX a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called XXXX back in XX/XX/XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with XXXX in the past and they were removed without me paying a dime. They are conducting illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: SQUARETWO FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. 
It 's passed seven years and they proceed to attempt to collect on it. 
In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. 
Thank you, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-10
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not idea what this debt is. I tried to contact National Recovery and they said they sent info once ( which I never received ) and will not sent anything again to verify the debt. How am I just going to pay money to them if I do not know that this really is a valid debt?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I went online to choose a credit card becuase i have some travel plans coming up and need to purchase tickets now. I read and compared offers, I choose the Capital one venture card because it offered zero percent for a full year and then stated would be 12.99-22.24 % based on your credit worthiness. I was also looking at this ending score after one year. I was approved for the card right away but was given the offer of 22.24 %, my credit score XXXX, I feel it 's pretty good, maybe not the absolute best. I feel their company is providing false advertising. Many companies are trying to pull this, if after one year the ending score is over 15 % I through it away. They should n't tell people 12-22 % when they have no intention of giving that interest rate. I called them to ask if I could negotiate this rate and they told me its all computer calulated so NO!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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:
My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX  XXXX I can't even access it because I can't answer the questions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One continues to pursue garnishment on my pay for an account that I believe is outside of the statute of limitations. I recently received notice on XXXX/XXXX/15 service sate of XXXX/XXXX/15 giving me about 9 days to submit. I feel as though they are illegally attempting to collect am outdated debt.

Company response to consumer: Closed with explanation