BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
unfortunately due to family circumstances ( tragedy, emotional XXXX ) I inadvertently forgot to cancel auto renew with XXXX on an XXXX XXXX card - XXXX refused to even consider a proration and XXXX XXXX via XXXX will no longer assist former XXXX customers amount in dispute {$170.00} - advise CFPB to demand XXXX cease and desist

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 2016-03-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My credit card accounts was close for no reason. I have been a customer for over 20 years and this is absolutely ridiculous.

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 2015-08-23
Company: CITIBANK, N.A.
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my house every hour starting at XXXX and quit at XXXX then they call my cell phone I have explained to them that my husband passed away on XXXX XXXX He worked in XXXX And did XXXX years in the XXXX Before we got Married we were Married XXXX years when he passed! It is taking time to find out if I even qualify for any spouse benefits from over there I am to young to collect benefits here I have to be XXXX i have XXXX years yet but calling me XXXX days a week XXXX times a day is n't going to get the XXXX government to do any of their decision any faster!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: Paypal Holdings, Inc
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CNG FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: U.S. BANCORP
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!

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 2016-12-13
Company: U.S. BANCORP
State: MO
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
US Bank will not allow me to close the account. They told me that if I close the account the funds would stay on the card and that I can not get a check or have the balance of the card transferred by ACH to my checking.

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 2015-06-04
Company: U.S. BANCORP
State: IN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received a letter from " Customer Care '' in regards to my Elan credit card. The letter was about a refund in regards to the following link : XXXXI checked my credit card statement and noticed they refunded me {$1.00}. I called both " Customer Care '' and Elan and neither could tell me how the refund was calculated or tell me how much I had been charged for the services I did n't receive. They basically said that 's your refund and be happy with it. The supervisor at Elan told me that Elan had nothing to do with this and she had no idea how the refund was calculated and basically that it was n't their fault. Some type of account review or calculation had to be done to determine the amount of each refund. I think as a consumer who was affected by this, I should be allowed to see how they calculated my refund. And also they should have to show me exactly when I was charged and how much. The people I spoke to at Elan are just passing the responsibility and claiming ignorance of the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I bought several gift cards as gifts and kept XXXX for personal use. When I went to register my prepaid card I noticed that it had been fraudulently used and immediately called the company. After hours of time explaining the situation and long holds, I was told they could not do anything about it and would need to fax over information, affidavits all of which I did. After many numerous follow up phone calls the representative said it could take 90 days to receive a response from the mechant and another 90 days for review. This process has been discriminatory as I 've received nothing but the runaround. When I 'm on the phone with them, they place me on hold, they will not give me their last name or supervisors name or number. They have horrible customer service and have yet to have resolution on my prepaid visa card that I 've bought months ago.

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 2016-03-16
Company: Residential Credit Solutions, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a mortgage with Residential Credit Services, the loan was forclosed in XXXX 2010. The home was vacated and returned to the bank. Since that time, I have submitted more than 5 requests to correct the credit file report to XXXX. RCS will not update the account status and continues to show the account as open with a balance owing of {$110000.00}. The same report to XXXX indicates a closed account with a XXXX balance owing ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: NCC Business Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
continually contacts my employers phone after being told several time that it was a business phone. Additionally, calling third parties ( my parents ) and disclosing that I owe money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Was charged a late fee of nearly {$40.00} on two occasions erroneously. The statements indicate that a late fee will be assessed if the payment is not received by the XX/XX/XXXX and in both cases the payments were postmarked by XX/XX/XXXX. I attempted to contact the servicer to find out their payment processing times in that I feel there was ample time for them to have received the payment, but do not believe that the payments were posted the same day as received. No one at the company was willing to discuss nor do anything to resolve the matter. 
I would opt to pay online but there is a fee to do so after XX/XX/XXXX. I pay my mortgage timely every month and do n't feel it is right to be charged {$80.00} in fees because they choose to sit on the payments for several days after receiving them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: DISCOVER BANK
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charge off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a non contract account, which means I was not required to pay a fee for closing my account. One month later they sent me an bill with cancellation fees attach to my last bill. I was instructed to dispute the bill ... which I sent in my request to review the bill. I have been getting the run around on the status. Received XXXX letter that they were still working on my request, as of today no word. My thought was it has been removed and account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX XXXX, XXXX regarding the incorrect reporting of my XXXX student loans. Despite two written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent items listed on my Equifax report should be reporting CURRENT they still remain on my credit report in violation of Federal Law. 

In the results of the first investigation and subsequent re-investigation, Equifax ignored my dispute and did n't update the inaccurate items listed on my credit report. 
Furthermore Equifax has failed to provide a method of verification as required under Section 611 ( a ) ( 7 ). Under the FCRA, unverified accounts must be removed. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' MY XXXX XXXX LOANS ARE CURRENT - MY SUPPORTED DOCUMENTATION FROM XXXX XXXX CONFIRMS XXXX XXXX CHANGED THEIR NAME TO NAVIENT ON XXXX XXXX, XXXX AND MY FEDERAL AND DEPT. OF EDUCATION LOANS WERE NOT REPORTED PAST DUE OR LATE IN XXXX OR XXXX XXXX OR XXXX XXXX. 

This is my final attempt to resolve this issue. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding EQUIFAX continued willful and negligent noncompliance. The law is very clear as to the civil liability and the remedy available to me under Section 616 and Section 617. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please see the attached original document from XXXX XXXX. Please update the XXXX delinquent accounts to reflect " CURRENT ''. Please accept this final OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve EQUIFAX continued violation of the Fair Credit Reporting Act regarding your refusal to UPDATE information from my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
My husband asked me to sign some loan documents to help him refinance his home loan. He stated that I had to be on the title for the refinance. When the papers were brought to me, they had the wrong name on them. I never took my husbands name and my driver 's license specified my maiden name. I was told by him and the notary to sign the documents anyway even though I protested. 

The documents are incorrect as I am not nor will not be known by the name on the mortgage refinance documents. 

Do I have to be or remain a part of this fraud?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: JH Portfolio Debt Equities, LLC
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
I have tried to cimunicar with the accrediting agency and they do not answer me. I 've never had accounts with this bank. Do not let me have opportunities with other banks

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 2016-12-06
Company: ERC
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
ENHANCED RECOVERY CO ACCOUNT NUMBERs : XXXX XXXX XX/XX/XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ENHANCED RECOVERY CO or any company associate with this account # XXXX XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ENHANCED RECOVERY CO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, AK XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-21
Company: ERC
State: MD
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:
Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-06-15
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX accounts with the debt collecting agency called BYL collection services I paid the debts in full and the collection pay status was satisfied. I asked the agency that once the accounts are satisfied can they remove the debts off of my credit report due to the fact that these debts are causing hardship to my life I am not able to apply for a loan without high interest rates or if I apply to rent a apartment or open a credit card I receive negative feedback due to a debt that I paid. The agency state they can report the debt as paid and show a ) balance but they will not contact the XXXX credit bureaus to remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation