BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
All through XXXX I received robocalls from a female robot urging me to contact Citibank about an " urgent '' problem with my Home Depot account. I do not have a Home Depot account. I called XXXX XXXX XXXX XXXX a Citibank customer service number. I spoke with XXXX -- # XXXX -- very kind woman who spoke to a few people in " escalation '' to find out why I was being called. She confirmed that I did not have a Home Depot account -- there was nothing in the system attached to my phone number ( which IS on the Do Not Call Registry ) or my SS #. Citibank could not explain why I had been receiving these unpleasant, harassing " URGENT '' calls about my credit! I was on hold for approx 20 minutes -- and it occurred to me that Citibank employees were being PAID to take my call, but I was not being paid for the time it was taking me to find out why Citibank was robocalling me in error. So I decided to report this to the FTC. It is not acceptable that Citibank is free to robocall consumers. Citibank should be required to have a human being VERIFY that a phone number in their delinquent database belongs to an actual delinquent account. I then spoke with XXXX 's supervisor -- XXXX -- XXXX, who said there was nothing Citibank could do to compensate me for my time or the upset of receiving these calls. All he could do was apologize. I just do n't think that 's a good enough response. I look forward to your thoughts. The {$180.00} I am claiming as a loss reflects the value of my time spent on the phone with Citibank and to type up this complaint. Tack on some more for emotional distress. 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 2022-10-15
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Continuation of XXXX Have been repeatedly told that my balance check was mailed to me on XX/XX/2022 and that it could take 7-10 business days to arrive. 

Here we are on XX/XX/2022 and I have not received said check, I do not know of any existent USPS shipping service that takes more than 3 weeks to deliver a ( first-class I assume ) piece of mail. 

Company has been seemingly hesitant to void the mailed check and re-mail me a new one, the sum is XXXX and represents a portion of my savings that I have been needing. 

They will not allow me to ACH the balance out, thats fine. But where is my check? I am inclined to give them the benefit of the doubt, but like any sane consumer, that comes with a mutual understanding and assumption that there is a sense of reasonability in their action towards resolution. I would not be filing this complaint if I did feel there was that mutual reasonability, as the notion that a USPS check mailed from UT to CA would reasonably arrive in <4 days at maximum, and its been over 21 days. Domestic mail simply doesnt work like that, further, I dont understand how and why they would be hesitant to simply void and re mail me a new check given that the original has never arrived in what is now far beyond a reasonable time-frame. 

I hope this compels them to take action and treat me ( the consumer ) with fairness and to concurrently protect their reputation as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to citibank branch to open new fixed deposit account. 
Citibank officer asked me how much I need to deposit and I said {$5000.00}. 
Citibank office asked me to submit the paper application along with the required documentation such as address proof, Photo ID along with the check of {$5000.00} in my name. 
I gave all the papers and the check ( payee to myself ) for {$5000.00}. 

Citibank officer told that the process is to first open the account and then will deposit the check in the new opened account. 
It is now more than 2 months and account has not been opened and citibank customer rep didnt know where the money went. They cashed the check within 2 days after submitting to the bank and now refusing to give the money back as they have no idea where the check went. 
After repeatedly contacting them several times, I think it is possible that they do n't want to open the account and also do n't want to refund the money. 
Hence, I have no other option other than filling the complaint. 

The check and the papers were given to citibank officer and she also is no longer the company that surprises me. 
Date of visit to citibank branch : XXXX XXXX 2016. 
Check cashed on XXXX XXXX 2016. 
Check was given in the name of XXXX XXXX Name of the bank issuing the check : XXXX XXXX XXXX. 
Account to opened in name of : XXXX XXXX XXXX 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 2021-08-02
Company: HCFS Healthcare Financial Services of TeamHealth
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HRRG has sent me multiple fraudulent medical invoices to collect a debt that is not valid. HRRG fraudulently backdated the letter sent to me ( dated XX/XX/2021 ), on the letter it stated I have 30 days to respond in which I still responded within the time frame even though I received the letter on XX/XX/2021. HRRG ( Healthcare Revenue Recovery Group ) has violated 12 FDCPA consumer laws within their letter to me attempting to collect an alleged debt. The alleged debt amount is {$1300.00}, which is not mine. I have attached the documents below that I sent in correspondence to HRRG.

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 2016-12-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016, I, with the help of an advocate from a non-profit organization, contacted Bayview Loan Servicing regarding an increase in my mortgage payment. We spoke to XXXX ( XXXX ) at Bayview, who advised that an escrow analysis had been completed and the shortage of {$560.00} had been divided over a 48 month period to keep my payment affordable at {$370.00}. I was concerned about an additional amount appearing on my statement of {$11.00}. The Bayview representative indicated that the fee was a remaining fee from when my modification was completed and that the {$11.00} did n't have to be repaid right away. XXXX indicated that the fee could be repaid at anytime in the future, that it was n't accruing any finance charges or additional fees. My advocate confirmed with the Bayview representative that as long as I paid {$370.00}, that I was paying my full monthly mortgage payment. XXXX confirmed this and indicated that anything over {$370.00} could be applied towards that {$11.00} outstanding fee as long as I indicated on the payment that any overpayment would be applied to the outstanding fee balance. 

On XX/XX/2016, I was concerned again about my monthly statement from Bayview. It appeared that nothing had changed with my payment and that another fee was assessed. My non-profit advocate assisted me with a call to Bayview again. We spoke to XXXX. He advised that my monthly payment amount is {$380.00} and that I was assessed a corporate advance fee of {$11.00} because the payment of {$370.00} that I sent to Bayview was not a full payment so instead of causing my loan to fall behind, Bayview advanced the shortage to make the full payment. Although I 'm thankful that my account was paid in full for XXXX and XXXX, I feel that I and my advocate were mislead when we contacted Bayview on XX/XX/2016. 

I 'm on a fixed income. I had to apply for a mortgage modification to get my loan back on track and avoid losing my home. I have no intentions of falling behind again and never want to be at risk of foreclosure again. I need for the mortgage company representatives to be forthcoming and accurate whenever I call to request information. If my advocate, whom I trust to ask the mortgage company the correct questions, felt mislead by the call to Bayview on XXXX XXXX, 2016, then I feel they could be misleading other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: HANCOCK WHITNEY BANK
State: LA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My wife and I bought a product called XXXX XXXX XXXX in XXXX XXXX. The purchase was contingent on XXXX XXXX XXXX XXXX XXXX, purchasing our XXXX weeks of timeshare at XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and we started the process. XXXX XXXX XXXX XXXX is located in XXXX Az. In the process of trying to close XXXX XXXX had me wire ( XXXX/XXXX/2015 ) {$20000.00} to an escrow account in XXXX, purpose to paid the taxes on the sale. This money was to be completely refundable at closing.. XXXX XXXX XXXX, 2015 told by XXXX XXXX that I needed to send another {$5100.00}, my half of the transfer fees. I did this. When it came time to close I called and was told that XXXX XXXX no longer works for XXXX XXXX XXXX XXXX. She was remove because she stole the {$5100.00} by having that money sent to a different account in XXXX. I have filed a complaint with the Better Business Bureau. I stopped the down payment that was put on my credit card. 

Please advise what action can be taken to get the {$20000.00} and the {$5100.00} back from XXXX XXXX XXXX XXXX. I can provide all the documentation and time table of events. My number is XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: DISCOVER BANK
State: IL
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:
I was added to my dad 's XX/XX/XXXXoriginating XXXX credit card account as an authorized user in XX/XX/XXXX or XX/XX/XXXX. I was removed as an authorized user in XX/XX/XXXX. I am experiencing TWO problems with Discover : 1. Although I was authorized to use the card until XX/XX/XXXX,  Discover reversed once approved charges made from XX/XX/XXXX through XX/XX/XXXX. Discovered stated I was found to have used a card I was not authorized to use. 

2. Though Discover, in its act above, affirms I was not a card co-owner, and in fact - by their ruling, not even an authorized user, yet - Discover has twice refused to remove the tag line from my credit report. 

II am currently trying to get a mortgage and the debt reported, including payments my DAD is making are counting against my debt : income ratio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 

I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: MFG Financial, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Citi XXXX XXXX XXXX did not record automated payment sent electronically from my bank checking account to the card company. Credit card company sent me an email past due notice, denied an automated bill pay from another company and placed a hold on charges. Calling customer service results in long hold times, disconnects and an unsatisfactory results. My bank records indicate the payment was sent and received. The card company will now bump my low rate to the default rate as well as charging a late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-08
Company: CITIBANK, N.A.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citibank checking account as part of a college campaign when I was XXXX years old. The account was free as long as I had deposits every month. In XXXX of this year, Citibank automatically switched my account into a new " full service '' account which charged me {$25.00} a month unless I maintained a $ XXXX balance on my check account, which is a lot to ask for. They did not ask for consent to switch my account over. They claimed they sent me a letter letting me know it was done, but I did not receive it. I 've asked them to reverse the fees, since if I had known, I would not have authorized the switch, opted for a basic account, or closed my citi account. They 've reversed half of the charges, but wo n't reverse the rest. They also charged me a {$25.00} fee after they switched my account back to a basic account upon request. Please let me know if there 's anything you can do to help, thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-02
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
We have been COSTCO Executive Business members for over 10 years now. Recently, Costco switched their contract from XXXX XXXX credit card to CitiBank credit card. We chose not to activate the new CitiBank card ; paid off all outstanding balance accumulated on the XXXX XXXX card, closed XXXX XXXX account and shredded the CitiBank card mailed to us shortly before the transition. To our surprise, a month or so later we received a statement from CitiBank indicating that we have an outstanding balance with CitiBank. All my attempt to explain to the customer service that we do not have any relationship with CitiBank, never signed any agreements with the company, do not even have a CitiBank card in our possession, or know our CitiBank credit card account number failed. On XXXX XXXX, 2016, I spoke with a XXXX who explained that the balance was for COSTCO membership which was automatically transferred from XXXX XXXX to CitiBank. Since we do not have XXXX contractual relationship with CitiBank, I chose to pay our membership fees at the Costco warehouse directly. Yet, a month later we received another statement from CitiBank, now imposing an interest to the previous balance. I called customer service on XXXX XXXX, 2016, and spoke to a XXXX at ID # XXXX who assured me that the account would be closed within XXXX10 business days. Today, XXXX XXXX, 2016, I have received yet another statement from CitiBank. It still lists outstanding balance and interest. What gives this credit card company the right to harass me? I did not accept or solicit or seek their product, and refused on multiple occasions to use it. I acted in good faith and attempted to find out the origin of their repetitive billing. I spoke to various customer service representatives and have notes of those conversations. If there is no account, no credit card, no activity, and no agreement between us, what exactly am I being charged for?

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 2016-03-31
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. 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 2021-08-02
Company: Williams & Fudge, Inc
State: MO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Predatory Debt Collector refuses to state when Statute of Limitations on my debt expires. Company clearly, as shown in attached documents, altered dates and added a " phantom '' repayment unsupported by their primary documents to add a year onto repayment term so that they could avoid Statute of Limitations for Student Loan debt, which was set to expire only a few months after their purchase of alleged debt from XXXX  XXXX XXXX. Used falsified dates to create legal documents for another debt collector to pursue legal action against me and my father.

Company response to consumer: Closed with explanation