BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
My checking and savings at XXXX XXXX XXXX were put on hold. I went to my bank to inquire why. They gave me a phone # ( XXXX ) XXXX. I was told I have an outstanding debt with Citibank that had been sold to XXXX XXXX XXXX XXXX in NY. I was told they were sending letters to a home I have n't lived at for well over a decade. I was told they had a legal right to seize my money. I was told the debt was from XX/XX/XXXX. The original debt was from XX/XX/XXXX. In XX/XX/XXXX I was repairing my credit score and settled this debt to the best of my recollection. I no longer have records this far back. I sent a letter to Citibank yesterday in an attempt to track the settlement. It is the beginning of the month. This is when most of my bills are due. I have checks out there. One is to a court for an unrelated incident. If that check bounces because of this I will probably have a bench warrant for my arrest. It is a violation and a {$25.00} check. It is very bad on so many levels. Untangling this mess is costing me money everyday I can not access my bank accounts and their former contents. In all likelihood this has set off a chain of events that could take years to untangle. I missed a potential job interview trying to resolve this. I just graduated with a XXXX degree and am trying to embark on a new career. I am getting married and they took the savings that I 've scraped together working XXXX jobs, XXXX days a week while I was taking XXXX XXXX. As I am typing this I am missing work. I work in the service industry. I do not get paid sick days or time off. It also just looks bad as I had to tell my employers why I am missing days. I might lose shifts permanently because I 'm missing shifts. I am waiting to hear back from XXXX XXXX XXXX. I left a message and the representative also told me she 'd be calling me back today. So far no call. I 've tried to make contact at her office repeatedly today. I may have to keep trying tomorrow. I 've spent the last few days researching what i can to and trying to contact anyone to help. It 's eating up my work and school time. Time is money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
we applied for streamline refinance with XXXX XXXX XXXX, at the present time our loan was with Flagstar Bank. They sent us a payoff statement, which was paid by XXXX XXXX to the penny, now they are saying there was a XXXX short. We had XXXX in our escrow account. the closing was handle by a lawyer. How can they say there is a shortage after the loan has been paid in full according there letter of payoff. At this point they have taken the XXXX out of our escrow account without our permission. Our lawyer has written them XXXX letters which at this time he has had no response. In XX/XX/XXXX they said we had XXXX shortage in escrow, which we paid even thow the could n't or would n't tell us where the shortage money went. Now after closing on the loan they are saying there is a XXXX shortage.How can they say we owe more after the loan has been paid, by their figures. 
They are saying it needs to paid to complete payoff loan, complete the property lien release, and release the lien from our credit and/or avoid reporting to the credit bureaus. This last letter was written on XXXX XXXX, we received the letter on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: Citi Management Group, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Company named City Management Group contacted my step-mother and then myself to try to collect a debt I do not owe. When I contact them with the reference number they provide they never disclosed it was a attempt to collect a debt, or had me verify my identify. Was told I owed money on a payday loan from XXXX 2013 however the address that they stated the loan was taken out under was not me residence at time and I had left that residence 2 year prior to " said loan ''. When I asked who the loan was through she said it was a payday loan but could not provide me with the company whom the loan was through. When I asked for copy of the loan document she told me she did n't not have access to them. 

This companies phone number is XXXX and I spoke with a XXXX XXXX. I did set up payment plans but when I realized this was scam I contacted my bank to cancel my card. 

Just wanted to make you all aware.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-27
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.

Company response to consumer: Untimely response
Consumer complaint received 2016-08-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Balance transfer fee

Complaint:
CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as XXXX XXXX transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a XXXX charge.

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 2015-08-01
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Company ... IC SYSTEM INNACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015. They VIOLATED my FCRA rights. This account was part of a Chapter XXXX Bankruptcy and THE OTHER VIOLATION OF MY RIGHTS is that THEY NEVER informed me of the new reporting. It is ILLEGAL for IC SYSTEMS to report to XXXX XXXX on an old account over XXXX years ago as a new account and it was a BK involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX was owed XXXX by XXXX XXXX XXXX  as a benefit to me during XXXX. XXXX XXXX  of XXXX XXXX paid  XXXX XXXX directly. Diversified Adjustment Service , Inc. never alerted me in writing by phone or by email that they were intending to collect a debt. Had they alerted me I could have provided to them proof that the XXXX was indeed paid in full and there is a XXXX balance. Diversified has listed this on my credit report WITHOUT any notice whatsoever to me which has negatively affected my excellent credit standing. I only found out that this item was added to my credit report after applying for a loan and being denied. XXXX provided my credit report and I have disputed the debt as it is indeed paid and should never have been placed on my report I would like the collection removed in its entirety from my credit profile on all bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Hello XXXX was taken from me and my Wells Fargo bank dose not want to give me my money back to my account!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Account Recovery Service, Inc. (WI)
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
ACCOUNT RECOVERY SERVICE KEPT CALLING MY HOME AND CELL NUMBERS REPEATLY, I SENT CEASE AND DESIST LETTERS BACK IN XX/XX/XXXX. XX/XX/XXXX I PAID XXXX XXXX IN FULL FOR THIS XXXX XXXX DEBT AND THEIR ACTIONS ARE IN VIOLATION OF FTC, CFPB-FCRA, FDCPA AND TCPA.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-31
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Extortion excess escrow ; with threatened Foreclosure for amounts not due ; attachments define the case with proofs ; opposing counsel states the Stipulated Injunctive order CASE XXXX Document XXXX Filed XX/XX/2015 as brought by FTC and CFPB are not enforceable between customers and Ditech Financial LLC , therefore they did no wrong that can be enforced, or the gist similar thereof ; Phone records and specific calls can be identified with key information, but implications are that the recording of such collections calls by Ditech as required to be kept at 90 % per the agreement, are not discoverable to an individual consumer Ditech has abused

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
KMF USA has questionable practices regarding payment refunds from consumer/personal auto loan accounts. The lender is practicing deceptive acts by holding funds while still recording the funds released from the account balance. This is resulting in increased interest charges from the lender which is not an accurate or legitimate GAAP. 

A payment refund request was received by their offices on XX/XX/2017, and they claim they complete all payment refunds in 7 business days. On XX/XX/2017, a loan officer informed me that they have just begun reviewing the request as of XX/XX/2017 and I would have to wait another 7 business days for a payment refund to be issued by paper check. 

I have been given too much different and incorrect information from the team at KMF USA. I would like something to be done to make sure they establish a clear cut process and much more user friendly for customers.

Company response to consumer: Closed
Consumer complaint received 2016-08-28
Company: Caliber Home Loans, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This report requires provisions from HEPA laws and Fair Credit Reporting. XXXX refused to validate and verify a debt that is listed on my credit report according to law under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), Fair Credit Reporting Act 15 U.S.C. 168, and Foreign Corrupt Practices Act. This office refused to provide competent evidence that I had any legal obligation to pay the listed company above and had the authorization under 12 U.S.C. 2605 ( e ), 15 USC 1692 ( e ), and 15 USC 1692 ( f ) in this alleged matter. 
Please provide me with the information you received from this company. I have a right to know who, what, and how a company is reporting on my credit. Is this company in violation of HEPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: TENET HEALTHCARE CORPORATION
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 've tried to dispute this information with the credit bureau as well as the company and was provided the same resolution which was nothing. There are XXXX medical bills on my account from SYNDICATED OFFICE SYSTEMS. XXXX of the accounts is not even mine its under my daughters name which had XXXX and it was covered. The second account is also a medical bill that was paid in full by the insurance company and they still sent it to collections. After numerous attempts to the company they refuse to delete the collection as it clearly shows paid in full with no balance. This is beyond frustrating as it is affecting my credit score and report which is hindering me from receiving future credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Radius Global Solutions LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.

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 2017-03-25
Company: CHECK INTO CASH INC.
State: NY
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
I 've had this prepaid card for some time now. I have a portion of my paycheck deposited to it. On Sunday, XX/XX/2017, I went online to make a purchase. The card was declined. I wonder why when I have close to {$1000.00} saved up so I proceed to try a second time. That 's when I reached out to the card customer service. I was advised that my card was at a negative. They went over numerous transactions which I was completely unaware of. I immediately asked them to shut the card down and requested for a Dispute Form so that I could file a claim. I did everything I was advised to do. File a police report and submitted it along with the completed Dispute on the XX/XX/2017. Today, I received the frustrating and disappointing letter from them indicating that the claim was denied because these were face to face transactions and the card was present. This is completely appalling because I had the card the entire time. I was using the card at work when these transactions were fraudulently being conducted some where else. I 've been struggling these past couple of weeks because this is money I put aside for my every day needs as I am a single mother every penny counts. It will be a great hardship for me to loose these funds. I 'd like to file a formal complaint on this company for the way they have handle this situation. Not only was I not notified on time to avoid the loses but now they basically tell me that I have to go out of my way to reach to each everyone of these merchant and try to get the money back when there is more than enough evidence that these charges were not made by me. This is a great discrepancy and they failed to protect the funds that I work so hard to support my family. It may not be big bucks but is my money. Your assistance in resolving this matter is greatly appreciated. 

Below, I have included the fraudulent charges along with prepaid card company and my information : XXXX GA XXXX Dispute Processing Fax XXXX Tel XXXX Mastercard ending in XXXX : Fraudulent Charges XX/XX/2017 {$83.00} XXXX Ny XX/XX/2017 {$150.00} XXXX NY XX/XX/2017 {$110.00} XXXX NY XX/XX/2017 {$150.00} XXXX XX/XX/2017 {$44.00} XXXX Ny XX/XX/2017 {$57.00} XXXX NY US XX/XX/2017 {$13.00} XXXX, NY US XX/XX/2017 {$12.00} XXXX NY US XX/XX/2017 {$15.00} XXXX NY US XX/XX/2017 {$16.00} XXXX NY US XX/XX/2017 {$140.00} XXXX NY US

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them IMMEDIATLY.

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: Mobiloans, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Name of Creditor : MOBILOANS LLC Address : XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, LA XXXX Re : MOBILOANS LLC Amount : {$760.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-17
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Citi Identity Monitor service was being discontinued on XXXX XXXX 2015 and that once the program was terminated, I was been charged a fee for a years.! and didnt aproved or sign on any agreemment.! Citibank charged my credit cards for long time and NOBODY want to be responsible for this bad ilegal practices..!. In addition, I didnt see Citi Identity Monitor working on my credit cards & gt ;?? please I need any professional help to address this issue with them..! I called 4 times and they dont care about that.! Thanks in advance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had my debit card stolen on XX/XX/2017, on my birthday, and woke up in the morning to find that my bank account was drained of all its money, over {$1900.00}. Chase Bank gave me a temporary credit for the amount, but even though I provided a police report and that they money was taken out one minute after the next at a XXXX at XXXX, Chase reversed the credit and will not refund me the money that was stolen. Due to that reversal, my mortgage payments were cancelled and now I am at threat of being foreclosed on. Chase Bank will no longer assist me on getting my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Mobiloans, LLC
State: CA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have filed multiple grievances with this organization, attempting to have this loan removed as I did not apply for it. 

At some point during XX/XX/XXXX my computer was compromised and accounts were opened in my name, linked to my checking account and emails compromised. An individual was acting on my behalf to obtain these loans. 

I tried to explain this to someone at Mobiloans, without any assistance. I was told that this was my debt, and that I was responsible for it. Furthermore, I would not have taken out a loan with such a high interest rate that is illegal in the state of California. 

As of XXXX/XXXX/XXXX, this is being reported unfairly and illegally on my credit report as a charged off account.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/2017, I used my chase freedom credit card to purchase a barn door from XXXX, that gave me a wrong product, which was completely different from what I ordered. I chatted, emailed and called the store agent for a solution, and the store manager also contacted me back and promised me a solution. However, in the next couple months they just forgot everything and no updates at all, even I called and tried to reach them many many times. So, I contacted chase credit card company and request for a dispute the charge on the wrong product XXXX provide me, with a series of screenshots I chatted with XXXX agent. What shocked me was, with such sufficient evidence I provided, the Chase credit card company denied my request and chose to protect the merchant who made the mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CITIBANK, N.A.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My friend sent me a payment of {$900.00} from his XXXX XXXX XXXX Acct. to my Citibank acct. The money was wired from his personal checking acct. to my custom credit line acct. by mistake. My friend sent another payment of {$900.00} to the same acct. before we realized it had gone to my custom credit line account. Citibank told me that no money had been received at all and that is why he resent money. I would rather it have gone to my checking account. Citibank did not notify me of this and took it upon themselves to send the XXXX payments of {$900.00} each back to XXXX XXXX XXXX. My friend did not get any of the XXXX payments back and filed a case against XXXX XXXX XXXX. They sent him a letter and refunded him XXXX payment of {$900.00} but not both. Each bank says the other bank is responsible and I 've been fighting with them both for over 6 months now.

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