BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: NM
Product: Credit card
Issue: Payoff process

Complaint:
My bank sent in a check to pay off my card on XXXX XXXX, 2016. Included with the check was the stub from the bottom of my statement that you usually send with payment. The bank then received a notice that the creditor did not know which account to apply the check to and need the account number. I spent several day while working out of town and attending my grandmothers funeral to acquire my account information. I was giving a lot of run around with no solutions. Once I returned home on XXXX XXXX, I began trying to acquire my account number as I had given up while arranging my grandmothers services. The final solution was to request a new credit card with the number on it. Which I believe was deliberately miss filed and I will get to that in a while. In the mean time I continued to receive phone calls that began to become harassing, happening multiple times a day and sometimes calling and hanging up like it was a game. When I ordered the card I was told to wait XXXX to 10 business days. I waited. In the mean time I was still receiving calls. Time after time I asked the rep to check their notes and sometimes explaining the full situation in hopes they would make another note of it and stop calling. That never happened. Finally on XXXX XXXX, I called back after XXXX collection calls that day and asked for my call to be escalated to the highest department possible. There, with the help of my bank the card company was finally able to locate the check which was already cashed and submit a dispute to my account. Today XXXX XXXX I have already received XXXX calls and notified them I will be reporting them. Have quoted the Fair Debt Collection Practice Act, even thought it may not apply to them, but hopefully it helps, and notified them I will be sending a cease communication letter via certified mail. 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 2021-03-18
Company: ONLINE Information Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received 2 separate medical bills totaling {$18000.00} in XXXX, XXXX. The bills were from XXXX in which I had medical insurance. After numerous complaints they sent me two separate letters saying that the bills and my account is no longer active and we are instructing the credit bureaus to remove the account off my file. First of all the charges were bogus. My credit used to be XXXX, now it is XXXX. How do I get this fixed? I have the two letters but my credit score is messed up as well as my wifes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-14
Company: ZENCO COLLECTION, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a voicemail on XXXX/XXXX/XXXX at XXXX from a XXXX XXXX regarding a case # and stated the last XXXX of my social in the voicemail, stating that federal charges will be filed with my county against my social security number if I did not call her back within 24 hours ( She addressed me in the voicemail by the middle, last, and fast name ). I can back XXXX XXXX at XXXX, she advised me that this was n't her case and would have to transfer me to the correct person. After being transferred to a XXXX XXXX XXXX she advised me that the Plaintiff is XXXX who brought out the original company XXXX and a suit would be filled against my social security number for the amount of {$1900.00} from a debt in XXXX. I tried to advised XXXX XXXX that I was no longer liable for this debt due to identity theft from my father which was handled. XXXX XXXX would not allow me to talk and continued to speak over me. XXXX XXXX stated that it did'nt matter and I can still liable. She stated that a letter was sent to me when which I have never received. XXXX XXXX continued to say that the case was found collectable during an audit this year and started threating me with wage garnishment, a XXXX against my social, and a summons being sent to the home or place of employment. XXXX XXXX stated that the case will be filed with my county on XXXX XXXX unless I make a settlement for {$1000.00} by XXXX XXXX or make hardship payments. I asked her what company she worked for. She stated Zenco and kept stating " we are not a mom and pop company '' we will follow through. I told XXXX XXXX I 'm not making any decision without further speaking with my husband. XXXX XXXX stated she would place my case on " administrative hold '' until that day at XXXX or case will be moved upstairs for court filling. XXXX XXXX called me twice on XXXX/XXXX/XXXX at XXXX and XXXX. I responded that her second call and advised XXXX XXXX that there are no pending debts on my credit, XXXX XXXX continued to talk over me again stating I will not see anything because this is not a collects but a federal offense and they have every right. I yelled over XXXX XXXX and stated that if this is such a serious offense why have I never received a single thing from them and why are they refusing to send me anything now. She stated because no participation is needed from me. Out of frustration I hung up the phone after continually being spoken over and told XXXX XXXX that I will be filing a compliant with the CFPB.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2015-09-03
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of foreclosure with Citi Mortgage. They offered me {$5000.00} cash for keys with a sale date of XXXX XXXX, with the agreement that they would review in good faith my loan modification application. I made Citi a settlement offer on XXXX XXXX but to this date have not received a reply On XXXX XXXX Citi had the locks to my house glued shut. I have made multiple phone calls and sent several emails to both Citi and the attorney for Citi, XXXX XXXX XXXX XXXX XXXX XXXX, FL looking for answers on why my locks were glued shut. Citi does n't even have me on their system anymore. When I call, they are unable to access my loan with my loan number or SSN. It is like I do n't exist. The only reply I received was from an associate at XXXX XXXX XXXX saying that my doors had probably been glued shut by the first mortgage company. I have NO first mortgage company. Citi is the only bank with a mortgage on my property. I believe they are doing this to prevent me from going into my house and fulfill my agreement with them, which would relieve them from paying the {$5000.00} cash for keys. Perhaps this is a strategy to harass me into walking away from my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Other

Complaint:
Please refer to my first complaint ; Case XXXX. XXXX filed on XXXX/XXXX/2016. The nature of that complaint was against CitiBank , N.A . Briefly, XXXX changed from XXXX XXXX cards to Citibank cards. I did not want a Citibank card and advised them by phone in XXXX, 2016. Their binding agreement stated that " Even if you do n't use your card, this agreement will take effect, unless you contact us within 30 days of receiving this notice. '' There was no date on the notice, but I did receive it in XXXX 2016. I called Citibank immediately upon receiving the notice, and told them not to send a card. They sent XXXX anyway. I called Citibank and told them I did not want a card and to cancel any account. THEY REFUSED! I subsequently filed a complaint with CFPB on XXXX/XXXX/2016. 
On XXXX XXXX, 2016 I received a letter from Citibank, XXXX XXXX, XXXX Response Unit, XXXX, advising me that my name and address was removed from their solicitation lists. On XXXX XXXX, 2016, I received another notice from Citibank that a new Citibank credit card was on its way. On XXXX XXXX, 2016, I got another Citibank ( same as the first XXXX ) in the mail, urging me to activate it immediately. 
Apparently, Citibank believes that they can bully the public, and create an account using their credit card, whether they want XXXX or not. Moreover, XXXX XXXX XXXX lied in her response letter to me and to CFPB by telling us that my name and address was removed from their data base. I am aware that Citibank paid a settlement to the Federal Government of XXXX XXXX dollars for Mortgage Loan Fraud. This is indicative of their Fraudulent and Unscrupulous business practices. Now it appears they have branched out into creating unwanted accounts and refuse to delete these accounts from their database. 
I am a mother of XXXX teenage girls, I work full time to support them. I do not have time to be constantly respond to being pestered into having accounts I do n't want ; only to be refused upon request to delete such accounts.

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 2017-04-26
Company: First Data Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I was issued a debit card from my employer in payment of wages. The card was issued b y Money Network on b ehalf of  XXXX . I tried to use the card and access was deni ed on 3 occasions even though there were more than enough funds on the card to cover these transactions. I was charged {$2.00} for each denial and am charged a monthly maintenance fee. I called to inquire about the reasons for denial of access to the funds on the card and was not given any intelligible answer. I called the customer service number and inquired about closing the account and receiving a check for the balance remaining on the card. I was told I could do that by faxing a letter requesting the account be closed along with the account number and mailing address. I was told it would take 2 weeks to process this request and that a check would be sent to me for the balance.I faxed th e letter, and receipt of the fax was confirmed. I did not receive a check, so I called customer service to inquire about why I had not received the funds. The person I spoke to confirmed receipt of the fax and my request, but could not give me an intelligible answer as to why I have not received the check. When I requested to speak to a supervisor, I was placed on hold and ultimately disconnected. This all occurred in  XXXX  and  XXXX ,   XXXX  . Instead of a check to close the account, the monthly maintenance fee was increased from {$2.00} per month to {$5.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CL Holdings LLC
State: GA
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:
On XX/XX/2021, XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Balance transfer

Complaint:
I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE MULTIPLE CREDIT INQUIRIES ON MY REPORTS IN WHICH I DO NOT RECOGNIZE! THEY NEED TO BE DELETED IMMIDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Paradigm Assets, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive been receiving different Collections notices Attached to JHPDE Finance I LLC from Different collection Agencies that represents this company.. Neither Collection agency has Verified that I owed the Debt. The first collection reached out was XXXX XXXX XXXX who Never answered my Complaint with the CFPB regarding this matter and now JHPDE Finance I LLC has sent this Fraudulent debt to XXXX XXXX , XXXX I guess when they had no luck with XXXX XXXX XXXX. Ive sent Validation letters and police reports on this account and JHPDE Finance LLC keeps circulating the fraudulent debt around with knowledge its Fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Reporting on Credit Reports for original creditor XXXX. I have no knowledge of this account and keep disputing. They have no proof of any kind of signature or me authorizing any purchases made for this account. And keeps reporting negative on my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PAYDAY LOAN TAKEN IN 2014 I STILL HAVE DEBT COLLECTORS REPORTING TO MY CREDIT FILE ITS BEEN 8-9 YEARS. IT JUST GET PASSED FROM COMPANY TO COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
My credit card company was offering a 12 month promotional 0 % balance transfer offer. I applied for an recieved a {$3000.00} balance transfer ; there was a 2 % fee, but there would be no interest on the {$3000.00} for 12 months. 
I continued to use this credit card for purchases. 
I paid off the entire balance of my new purchases However, the credit card number assessed me an interest charge on the entire balance, stating that " you can not pay off only your purchase balance in full each month to avoid interest charges. If any part of the balance is carried forward into the next billing cycle, even at 0 % APR, the entire balance is considered to be a revolving balance ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The servicing of my account was transferred to Regions Mortgage in XXXX of 2016. They have not appropriated any of the XXXX payments to my mortgage correctly. They have cashed the checks on time on XXXX occasions. Proof of canceled checks are attached. The first month they actually provided me a refund for a double payment because i went onto their portal and made a payment to insure I would not be late. It took multiple phone calls submission of cancels checks and a couple of weeks to get remedied. They have since not recorded any of my other XXXX payments XXXX and XXXX although they have cashed my checks on time each billing cycle. I wish for Regions to take immediate action to remedy this to insure this is not effecting my credit as I am under contract to purchase a piece of real estate and will be applying for credit on Monday XXXX XXXX. I will not be able to do so with a blemish on my credit report. I look forward to an immediate resolve to this matter.

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 2015-10-21
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
excessive overdrafts fees {$36.00} and {$100.00}, I am on a fixed income, requested reduction in the amount, bank declined, I have been sick and need to go to several doctors this month, now I can not afford food or to go to doctors

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-15
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear Sir I purchased my home in XXXX XXXX CA. in XX/XX/2015 XX/XX/XXXX after making my mortgage payment I signed up with Nationwide after being told I would be paying my house off much sooner and even reducing the interest on my loan. I was told that my only cost would be {$3.00} after each debit payment. 
After signing on with Nationwide I received some information however did NOT receive a copy of our agreement. 
XX/XX/XXXX I received an e-mail from Nationwide stating that they were being force out of business, and would no longer be making my bank payments after XX/XX/XXXX. At this time I have an excess of {$700.00} that had been withdrawn from my bank account. 
I called Nationwide this morning and after over an hour of waiting I was finally able to talk with a real person. 
I was told that I would not be receiving a refund that my {$700.00} was a Setup fee. 
I ask the lady that I spoke with to send me a copy of our agreement, since I had never received one, which she did comply with. 
Even though I was told that my only costs were the {$3.00} bi-weekly fees associated with the bi-weekly withdraws from my account. 
As you can see from the agreement that was sent to me this morning, there is a Setup fee which for me is {$700.00}. 
It also shows that no moneys extra will be paid to my principal balance. 
Now tell me, why would anyone ever agree to this? 
I am hoping that you will be able to help me or at least help me contact someone who can. 
I am XXXX years old and can not afford to lose this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Caine & Weiner as well as XXXX is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on there. I was very confused as the debt is for the current insurance that I have. I have had progressive for a very long time now and have never received any noticed of any past due amount. I make my payment on time every month so I'm not sure why they are reporting a collection. This is erroneous and it must be removed. I never received calls, notices or any correspondence regarding this debt violating my 30 day right to dispute. This debt is not mine and I do not owe it and it must be removed from my credit file.

Company response to consumer: Closed with explanation