BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-22
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX XXXX XXXX XXXX had granted my daughter a scholarship to attend. Half way through the year, XXXX XXXX added full tuition to our balance of XXXX XXXX We had previously found discrepancies in their accounting and brought this to the attention of XXXX XXXX XXXX whom is responsible for accounting at XXXX. This was handled in full. Fast forward to the next school year where my daughter was told that she would attend XXXX but only through an online program for 100 days and that we would then be in the same position as a public school in that the state covered the tuition. This bill did not pass legislation and so XXXX XXXX opted to back charge us. We attempted to resolve this matter with XXXX to no avail, All documents will prove this. Just as well, we have been working with the Nevada XXXX to hold XXXX accountable. Our contacts at the XXXX are XXXX XXXX and XXXX XXXX. So in short, our daughter did not attend XXXX for the time in question. She has been in online school. 
Sentry Collections and Recovery placed a derogatory mark on my credit file though I had been already disputing the debt with the original creditor. 
Never did they send information to my home via mail or even call. Only until I saw my credit report, did I contact them at which time Sentry could not verify the debt, changed the amount allegedly due, and added verbiage to manipulate their position. 
These people threaten to garnish wages, sue, and even have a fraudulent " legal '' department. 
If ever the government needed to step in and shut down a business, this is it. 

Neither XXXX or Sentry can validate the amount due. The requested amount does not match between the XXXX. 

Lastly, I have been served papers from Sentry which after my review of FDCPA is in direct violation.

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 2015-08-29
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting harassed by this company and i have no idea who they are and what exactly they are talking about. i have sent in letters in response to the ones that they send me telling them that they are so wrong in who they are contacting, which is now harassing. i just want it all to stop but they have n't, just founds out that they put it on my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Thrive National Corporation
State: FL
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:
Creditor called at XXXX from XXXX claiming to be with " National Fitness '', only revealing they were with a collection agency 5 minutes into the phone call. I explained to them I canceled the gym membership and did not owe anything. They then asked me did I get this cancellation in writing, I said no, I spoke with the gym employee at the front desk and they said they would take care of the cancellation. Apparently, the gym employee never did this. I told the agent it was therefore illegal for them to to still be charging me. The collection agent then got belligerent, so I told them not to call my phone anymore and hung up. The same agent then called again at XXXX from XXXX, again stating they were with " National Fitness '', and began reading my credit card number aloud, at which point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Computer Credit, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I went thur a separation from my wife in XXXX of XXXX I work as a XXXX so I was layed off the summer when I returned to work I made payments but was behind and the payment I made XXXX/XXXX/XXXX was returned to me i hired a lawyer In XXXX submitted paper work they work with no gain til XXXX with no gain the XXXX closed their doors I started talking with my relationship manager # XXXX and seveal other managers as when to you call to speak with them he is busy ad you speak with someone else which is confusing as of my last appointment date XXXX XXXX everything was good then XXXX XXXX the sheriff put a notice on my door ocwen says there is no sale date and is sending e-mail conformation that no sale date is pending talk to forcloseure lawyer there is one cuz the want me to pay to bring account current so now I do n't have the money to do so and feel this system sand bagged me with lies scams ive file a complain before and that only made things worst so thanks for letting me vent cuz as far as I know XXXX XXXX is sheriffs saling my home on XXXX/XXXX/XXXX this was postponed 3 times already so im at a state of total confusion my job just is not good for them but payed 12 yrs of arm payments to them ocwen loan # XXXX XXXX XXXX XXXX division # XXXX XXXX thanks for not XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was sold a Timeshare in XXXX XXXX NJ at the XXXX XXXX through a company doing business as XXXX. Subsequent to the agreement, I had an issue where my wife took ill and needed surgery. Since she is the primary income provider, I found myself unable to meet all of my obligations. I determined the Timeshare was an unneeded expense so they were not paid. They started harassing me. I looked into this whole timeshare issue and found out that my membership was nothing more than a source of income for the Hotel, that if I were to simply reserve a room through the Internet at the exact same location, it would cost me less than HALF what I pay annually in Maintenance fees and taxes. When they called back after I discovered this, I informed them that I was misled and refused to pay any more into this unless they could prove to me any sort of value in what I purchased. They have since then threatened me with legal action, including Check Fraud and when I informed them that their threats were in fact a violation of the Fair Debt Collection Act, they stopped the calls but now have started doing " Hard Inquiries '' into my credit, XXXX on XXXX XXXX 2015 and the latest on XXXX XXXX 2015. I called TransUnion and they informed me that the only way to get these unauthorized inquiries removed was to contact XXXX in writing and ask them to allow the inquiries to be removed. I find this totally unfair and as I understand, illegal as I have not authorized these multiple inquiries into my credit and as a result have suffered a XXXX point drop in my credit score. I ask for your assistance in getting this unfair practice stopped and that XXXX be ordered to cease and desist from these practices. This is nothing more than a scam in my opinion and their utilization of these tactics to damage my credit score nothing more than a form of extortion and needs to stop now. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Solidus Group LLC.
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This debt collector contacted various family members and told them how much money was owed and that I needed to call before I was arrested for not paying the debt. I had family members call me and send photos of the number that would call them. They also left threatening voice mails on XXXX family members phones. I contacted them and requested verification on the debt and they refused. Multiple people disguised their voices, sent us to different extensions- like the legal department. When I was scared for what they might be able to do and to get them from contacting my family I agreed to a settlement. After paying the settlement they called back and said that I did n't pay the settlement fee of XXXX per loan. So I had to fork that over to get these people to leave me alone. They also said that if I did n't pay that they were going to send the police the next morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I enrolled in a Citibank checking account in XXXX 2016 using a promotional code that offered me XXXX XXXX XXXX miles upon opening a certain type of checking account and completing specific spending and payment requirements. Over the last 5 months, I have completed the requirements in the specified time period and have also received multiple confirmations from Citibank that I was both eligible for the promotion and that I would receive the promotional airline miles. 

The miles were confirmed to be credited to my XXXX XXXX account within 10 days of my statement ending in XX/XX/XXXX. When I reached out to Citibank this week to ensure delivery of these miles, they disputed by eligibility and said I would not receive the miles as promised. 

I have attached several pieces of correspondence with Citibank confirming I was eligible and would receive the promotional miles. 

Given I was told by Citibank that I was eligible and would receive these miles, I feel that Citibank is engaging in dishonest and misleading business practices that should not be allowed. 

I would greatly appreciate the CFPB 's help in resolving this matter with Citibank. 

Thank you, 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 non-monetary relief
Consumer complaint received 2016-08-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Other fee

Complaint:
Best Buy/Citibank has been charging me debt protection fees without my authorization. I just found out recently the total is {$1000.00}. In addition, I believe those fees have prevented me from paying off promotional purchases before the expiration date cost me at least {$500.00} more in back charged interest. I have disputed this, but have not heard anything except they would cancel the service.

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 2017-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you 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 monetary relief
Consumer complaint received 2017-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The account from XXXX does not belong to me I have disputed to no end but no 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 2016-05-21
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account at Citi ( CitiGold checking account ) with a publicly available bonus code that would grant me a specific bonus ( XXXX Thank You Points ). As soon as I opened the account, I sent a Secure Message asking if the bonus was tied to my account, and the response from Citi was a confirmation of such. Upon completing the requirements, I then sent another Secure Message, where Citi replied stating that my bonus points would post within 3 statement periods, just as the promotion stated. I was told the points would hit my account no later than XX/XX/XXXX. XX/XX/XXXX, I reached out to Citi where I was told I would not be granted the points. This is a complete reversal of what I was told by their own personnel, which is why I felt it necessary to reach out.

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 2016-08-03
Company: CITIBANK, N.A.
State: SC
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new card.

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 2015-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
XXXX Paypal charged me fees XXXX and XXXX for XXXX transactions initiated on XXXX XXXX in the amount of XXXX and the other in amount of XXXX both transactions where cancelled almost immediately after they were initiated. When the both transactions hit my account they sent me not only into over draft but they were rejected by the bank and sent back to PayPal. I receive notice from the receiver that the funds did not come through and I paid her with my Paypal balance instead of using Paypal to initiate a funds withdrawal from my bank to pay her. After this PayPal attempted to run the XXXX cancelled transactions through my account again even though these transactions had been cancelled and never accepted by the receiver. These transactions caused my bank account to become overdrawn. I contacted PayPal and inquired about these transactions on XX/XX/XXXX and the customer service lady told me that once a transaction is initiated even if the receiver cancels the transaction the transfer is initiated. I said well in order for the receiver to get the money they have to accept the Payment and if they cancel it or reject it why would the transfer go through. She told me that I needed to take it up with my bank if I did n't think the charges were authorized. I told her that I had already paid XXXX XXXX through my Paypal balance and that these charges were unauthorized and a nuissance to the legitimate charges coming through my account. She said that I needed to contact my bank about those fees and the charges. So that 's that I did and yes some how the return of their cancelled charges Paypal has tried to charge me XXXX fees. XXXX for XXXX and another for XXXX for these returned payments from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I took out a XXXX mortgage through XXXX XXXX home loans. The loan was subsequently transferred to Citi Mortgage. In XXXX I became XXXX and lost my job, I did not pay on the loan and it expired under the XXXX Statute of Limitations in XXXX. Citi has removed the loan ( see attached XXXX ) but the XXXX XXXX lien is still showing up on XXXX County records. I have contacted both XXXX XXXX and Citi and neither will take any action to remove the lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is an account listed on my Transunion credit report as XXXX XXXX XXXX XXXX. This company is re-agiing the debt so that it stays on my credit report longer. There has already been accuracy issues with the account and it was properly removed from my XXXX file. I have disputed the re-aging issue and Transunion has not resolved the issue. They sent a letter stating new information below, which has not addressed 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 2016-08-08
Company: I.C. System, Inc.
State: NY
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:
Last XXXX ( 2015 ) I order a hat from XXXX an online creditor.. phonr number, XXXXXXXXThe had that I received was the wrong type and size. I returned this product since last XXXX ( 2015 ) .To date XXXX is still charging me for the product. Since I refused to pay they had send my account to a collection agency. 
In addition, I usually order product from another online creditoe. XXXX. Approximately 2 weeks ago I had attempted to order products from XXXX. I had experienced prejudical treatment from XXXX staff. Eventually they took my order but, never approved it. About a week later, I called XXXX and was pushed around for almost one hour. Finally a supervisor from XXXX customer service, in a nasty tone of voice said that she had cancelled my XXXX account because my XXXX account was send to a collection agency. I should not be paying for any product that I did not have or received. In addition I shoild not be discriminated against because some staff members from XXXX have that authority to discriminate at will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Capical oNE has.my debit card and receives my social security d eposits. They are always putting restrictions on my account for no good reason. As of now I can not open profile that is my name and address and forms I wish to name my beneficary. 
I call them to lift the restrict ions I get passes to so many different agants. The latest excuse is that I left XXXX and went to XXXX and used a dI fferent wifI on my cell. Phone. They said my access to profile is blocked for several days until operations I XXXX reviews it. Do I have to get permission from Capital one to go somewhere. 
I get the impression that securit has. Nothing to do except block account features. 
They are persecuting account holders and interferING with banking. I assured them no one had access to my account nor my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Other

Complaint:
Every time I pay my Macy 's bill in full, the following month I receive a {$2.00} interest charge, although I have had no balance, This has happened now four times. They will generally remove the charge, but sometimes are quite resistant. If this is happening to me, it is most likely happening to many others. If Macy 's does this to everyone, they are receiving millions of unwarranted dollars and in my opinion that is fraudulent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation