BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 


You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Balance transfer fee

Complaint:
I have a credit card XXXX XXXX XXXX XXXXI have a balance of about $ 3500I am a XXXX XXXX veteranliving in a retirement home -- XXXX years oldThey are bialling me at {$290.00} per month- I can pay about {$100.00} -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-21
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank I have a checking and saving account with Santander charged me XXXX separate charges for overdraft fee when the account was not deficient. 
They chose to process debits before the credit which was deposited 3 days prior. 

this is a common dishonest practice and I want the XXXX back!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-12-02
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, CitiBank advertised a promotion that if you put {$50000.00} in a Gold savings account that in three months, you would receive a bonus of {$500.00}. It is now XXXX 2016, and no credit has been made to my savings account. I have submitted numerous inquiries to the bank and they have been denied. I also contacted their executive response unit three times and received no response. I feel that these are deceptive business practices and other individuals across the nation have complained about this practice.

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 2016-05-16
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.

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 2016-04-21
Company: General Motors Financial Company, Inc.
State: NJ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I bought a car financed thru a company that will not refiance to lower the payment what do I do. it was thru XXXX finanacial people should be ware

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: Receivable Recovery Services, LLC
State: AR
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!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CITI Mortgage has sent me Modification Documents for a Mortgage that I do n't want to sign at this time until my previous requests have been forwarded to XXXX and XXXX. 

This has been an ongoing challenge that I have had with CITI Mortgage since XX/XX/XXXX when offered a Trial Modification. I have most recently met the terms of 90 day Trial Modification with them and have requested that I be afforded a Modification that is currently ( was in XXXX XXXX before CITI once again foreclosed on my mortgage ) XXXX offered me which would forgive the unpaid interest and penalties. 

The communication inter-departmentally appears to be challenged. Most recently XX/XX/XXXX, I was contacted by my attorney XXXX XXXX XXXX stating that CITI Foreclosure Attorney firm, XXXX XXXX XXXX wanted to know if I was going to go along with the Trial Modification program offered by CITI. I informed XXXX XXXX XXXX that indeed I had already met the terms of repayment under the Trial Modification period as of XXXX XXXX, XXXX and apparantly CITI has not communicated this to their counsel. Most recently ( see attached documents ) I received duplicate documents from Citi 's Support specialist dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX offering more assistance to me regarding my request to Citi. I also received correspondence from a XXXX XXXX from Citi asking me to sign final modification documents. 

I believe my attached documents and emails will support my continued frustration with CITI and the handling of my modification request. I would really appreciate it if the CFPB would forward this complaint with ALL supporting documents from me and what ever CITI mortgage servicing has to both XXXX and their credit counseling representative, XXXX. 

Respectfully, XXXX XXXX XXXX Cc : 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 2021-07-01
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My water utility 's bank allowed it to deposit a check dated XX/XX/2021 with a statement integrally imprinted over the signature " NOT VALID BEFORE DRAFT DATE '' and then my bank accepted it and processed it and charged a {$36.00} overdraft fee. I have copies of the front and back of the check.

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 2021-07-01
Company: CITY NATIONAL BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Unknown account and unknown debt, this is a mistake listed on my credit file that I have disputed with nothing received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I made a charge on my credit card and later discovered that it was a scam. When I got back to the states I tried to cancel with the company and was given the run around. I contacted CitiBank and made a complaint. Apparently I did the complaint incorrectly according to them and because of this the dispute was cancelled and my {$2900.00} ( they game me a {$110.00} credit ) became my responsibility even though the company has given me absolutely NOTHING for the money. CitiBank states that I was suppose to dispute the amount ONLY but did so afterwards. I have never had this concern. I have no way of contacting the company because the numbers are not working for me and I have been left with nothing. This complaint involves CitiBank, Mastercard, XXXX XXXX ( people I signed up with in XXXX, XXXX ) and XXXX ( people I was supposed to have the vacation plan with and I am unable to get in contact with by number provided on contract and online ).

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 2016-05-24
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Citibank continues to lie and stall about my closed account. They cashed XXXX checks and told me they never received them, even accused me of lying. The checks were sent to their XXXX department. I have the banking statements. My Congressmen XXXX XXXX 's office has been assisting in this matter. Since their intervention in XXXX Citi apologized but soon after reneged. Now Citi has gotten very retaliatory. Not only have they reneged on their agreement to settle for a lower amount they now increased it. They are crooks and the world knows it!

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 2016-12-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
identity theft/fraud. billed for purchases I did not make by Macys Dept Store. Macys XXXX XXXX. impossible to deal with. 
The original purchase was reported as occurring on XX/XX/XXXX. 
After months of struggle and the help of XXXX and a XXXX/Fraud Claims Lead ( XXXXXXXXXXXX XXXX on XX/XX/XXXX, sent me the email as follows " Dear XXXX, I have sent your claim in for the write off to our bank yesterday. In the meantime, I have sent a clearing letter out to you, resent your credit rating and requested a cease and desist on collection calls. Again, I apologize for any inconvenience this has caused. If you have further questions, I have provided my information below. 
Thank you and have a great week-end. '' I received a letter dated XX/XX/XXXX from Macys that my account has been returned to the XXXX 
I have since tried several times, unsuccessfully to contact XXXX. The people I have spoke with just gave me the run around. I did not make the purchases that they are billing me for. This is harassment and is causing much distress.

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 2015-09-24
Company: CITIBANK, N.A.
State: AK
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mother lost her home to wildfires and shortly there after was diagnosed with XXXX, leaving myself to have to take over her affairs. I discovered that the property was in the process of foreclosure. I brought it out of foreclosure and was making the payments for my mother. In XXXX of 2014 she had to be placed in a XXXX which takes all of her retirement and social security income. I wrote a letter of explanation and requested the loan be written off as uncollectable, but was denied. There is no home, but the mortgage company is foreclosing on the land which was deeded over to me while my mother could still sign documents for herself. 
What can I do to resolve this matter and get the land released?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I got an following email from Citibank about a promotional offer where-in if I open a citigold account with the promotion code : XXXX and then meet the following requirements, then I 'll be getting the XXXX XXXX Bonus miles after 90 days ( starting from the last statement after the requirements are met ) Requirements : 1. Spend {$1000.00} on the debit card 2. There has to be 2 consecutive bill payments in consecutive 2 months. 

I met both the requirements in XX/XX/2016, then I waited for the statement generated on XXXX XXXX 2016. After that I waited till 90 days ( XXXX statements ) i.e the statement generated on XXXX XXXX 2016, still i have n't ' got the XXXX miles. 

After that I called the customer care of Citibank multiple times, escalated the case to supervisor, still nothing happened. 

This is same scenario with couple of my friends as well. 

So I was left with no other choice, but to raise a complaint against these cheaters who make false promises just to attract customers in the beginning and then they never fulfill their promises. 

If I wont get my deserved/earned XXXX American bonus miles, I 'll close my Citibank account and I 'll never open it again. 

Hope you understand my frustration here and help me get my XXXX XXXX miles from Citibank. 

Thanks and regards, XXXX XXXX XXXXXXXXXXXX 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 2021-07-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I have an account in paypal. A friend deposited {$220.00} more than 6 months ago and paypal does not allow me to use that money if I don't give them my phone number. When I try to enter my phone number in the system, it does not take it. 
They have an option to send you the money by check. When I click on it, it sends me to a link that force me to open a paypal cash plus account.

I called them several times, last time they promised to send me the money by check and I am still waiting. It has been already more than 6 months and I am still waiting.

1st is an abusive monopoly. They charge large fees for everything thing.

2nd You are not obligated to provide your phone, if you don't have one. How do you do?

3rd they can not force you to get enrolled in paypal cash plus account 4th they can not hold you money for more than 6 months 5th they SHOULD have a functional working option to send your money by check not a disguise link that takes you to enrollment in paypal cash plus account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing is a collection agency, not a mortgage Co.. Therefore I believe they do not have legal right to foreclose on my property. They have been harassing me with foreclosure, sheriff notices since year 2004. There is a statute of limitations to collect on a debt. I already owned my home. I did not purchase my property from SPS. I took out a home improvement loan with a mortgage company called XXXX. They are no longer in business. SPS refuses to produce original wet ink note on property.We went through numerous modifications. With higher payments.Always at the end of trial period, they have repeatedly lied about paperwork and documents missing.The last modification they wanted us to sign was for a whole new amount due, well over {$100000.00}. My principal due on loan was only {$71000.00} at that time. I refused to sign.SPS was adding attorney fees, property inspection fees, misc fees. No one ever came to my home to inspect. I have tried to make payments, sent through XXXX XXXX. SPS returns payment, will not accept. This has caused stress related illness with the constant badgering. I demand SPS to cease and desist any further contact, through the courts or otherwise. There are many, many others experiencing this same treatment from SPS. They have filed complaints as well. Why are they still allowed to be in business??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
CitiCards sent me an offer in the mail for an XXXX XXXX credit card with a promise of XXXX bonus miles if I signed up for the card. I applied for the card online as instructed and was approved and received the card. After meeting the minimum purchase requirements I still had n't received my bonus miles so I called and asked why. I was told that because I had had a similar card in the last 24 months that I was n't eligible for the miles. If this was the case then why did CitiBank send me the offer in the first place? When I applied online why did n't the system tell me that I was n't eligible? I would n't have taken the card without the bonus miles. This seems like a scam to me.

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 2021-07-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am disputing a charge placed on my card from XXXX XXXX for XXXX on XXXX for two insurance umpire fees of XXXX for myself and the XXXX side the piublic adjuster XXXX stated he sent a refund on XX/XX/XXXX thru XXXX never seen this yet. I did email wells fargo with this email that to this day i still have not received the refund they refused to speak to my XXXX XXXX XXXX and power of attorney

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 2021-07-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXPORTFOLIO RC ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: CITIBANK, N.A.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid-off from my XXXX job and was not able to make all of my monthly mortgage payments. This is a result of XXXX different layoffs ( being unemployed ) which exhausted my savings and 401K, giving me no recourse but to miss payments.

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 2015-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
On XX/XX/XXXX someone broke into my car and stole my personal belongings, in which included my social security card and drivers license. With this information, they were able to authorize the following companies to make credit inquiries and or open up multiple service accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX all in XXXX, GA. I did not authorize these companies to put an inquiry on my credit account and would like these inquiries removed. As far as I know, the only account that was opened was with XXXX on XX/XX/XXXX and since then has been disputed. My ultimate goal is to be able to purchase/finance a car, but in order to do this I would like to first remove all unauthorized credit report inquiries.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief