BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a credit card through best buy with citi bank. I am setup on their website with auto pay as I am with all of my bills which I pay online. XXXX 2015 I changed banks and I updated all of my online accounts including citi bank 's. I received a phone call earlier this month stating that I was past due on my best buy account through citi bank. I explained to the customer service that this could not be possible as I am set up with auto pay. The agent explained the auto pay must not have been working properly and it might not have saved my updated banking information online when i added it. I was penalized and hit with late fee 's and it was also reported to all XXXX credit bureaus. I spoke with the bank and they apologized for the inconvenience and reversed the late fees. However I wanted them to correct the negative mark on my credit reports. In my XXXX of having this credit card I have never been late. I am very disappointed that I was not contacted and advised sooner about the auto pay not being processed. Instead the bank contacted me way after the fact and reported a late payment which was not my fault. Citi bank 's website is known to not work properly and I feel the consumer should not be punished for it. This mark will stay on my report for XXXX yrs because of a system issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/2021, at XXXX XXXX  ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. 
After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692c ( 3 ) At the consumer place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: PHH Mortgage Services Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Good Morning, This is regarding a problem with a paid off mortgage in XXXX XXXX with PHH Mortgage in XXXX. XXXX, NJ. The mortgage of a home in New Jersey was paid off back in XXXX XXXX and we are still trying to receive the money from a TAX OVERPAYMENT made BEFORE the mortgage was paid off. 

Now it 's XXXX XXXX, OVER THREE MONTHS since the mortgage was paid off and the tax payment made in our behalf to the town. After NUMEROUS CONTACTS over MANY MONTHS to PHH Mortgage Customer Service, PHH Tax Department, the township in various forms, we are still waiting for a tax refund which was requested in XXXX XXXX. 

Your efforts to help us secure money that was deducted from our accounts and paid by PHH Mortgage from our accounts would be helpful. Please help us RETRIEVE OUR MONEY back from PHH Mortgage. 

Thank you, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-01-06
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: ProCollect, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2016-06-02
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Delinquent account

Complaint:
I am a CitiCard holder for twelve years. In twelve years I have never had a delinquency with them. On XXXX XXXX, 2016 I gave XXXX experienced some health issues. After coming home and getting settled in XXXX, I missed my Citicard payment. I called and called Citi to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my twelve year account to good status. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.

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 2016-03-04
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 2021-06-29
Company: Firstsource Business Process Services, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a settlement agreement with previous debt collector. Need to have debt expunged from my credit file and derogatory account removed.

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 2016-09-27
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX/XXXX/2016 I opened a new Citi AAdvantage card for a credit on an airline ticket purchase. I used the new card successfully to purchase my ticket. On XXXX/XXXX/2016 I received an email asking me to call Citi about potentially suspicious activity. I never received the actual credit card itself so this was concerning. When I Googled the phone numbers associated with the calls made on XXXX/XXXX/2016 between me and Citi there were numerous reports online about people having the same experience as I was. Specifically, opening a Citi AAdvantage card then having suspicious charges made in Michigan state showing up as fraud. Seems odd that these particular fraud events would be repeated in detail on more than XXXX persons account in the same way. Seems like maybe it 's an inside job.

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 2021-06-29
Company: ACIMA CREDIT, LLC
State: OH
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:
The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ACIMA CREDIT XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
The citi dividend world mastercard had offerd a 5 % cash back on purchases made in XX/XX/XXXX, XXXX and XX/XX/XXXX, ending XXXX/XXXX/2015. 
I purchased XXXX airline ticket for {$910.00} on XXXX/XXXX/2015 and another XXXX on XXXX 2015 for {$1000.00}. Both payments were charged on citi dividend world mastercard and the tikets were issued exactly on the dates when the payments were made on citi dividendworld mastercard. 
Upon reviewing the monthly statement, I noticed that the citi dividend world mastercard did not honor their 5 % cash back reward offer. I contacted the the above-mentioned company immediately and received a response from the customer service team saying since the charges were posted after the XXXX/XXXX/2015 offer end date, they do not qualify for the reward. 
The airline tickets were purchased on XX/XX/XXXX and XXXX/XXXX/2015. 
CitiBank 's offer neither mentioned any posting dates nor I do have any knowledge of the airlines billing practices. I do n't believe it matters on my end either. 
I humbly request citibank to honor their offer and reimburse me 5 % cash back for the total of {$1900.00} which is {$98.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.

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 2017-02-07
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My fiance and I are in the process of closing on a XXXX bedroom XXXX in XXXX, NY. After doing our research, we chose Citibank due to the closing cost assistance program they offer to first-time home buyers. Since starting the process in XXXX ( 6 months ago ) we have received very poor customer service. Our first representative ( we are currently working with a 3rd set of representatives ) would n't email us in a timely matter, sometimes going weeks at a time without a reply. Since we needed to submit an application to the XXXX board for approval, his delay caused us to miss our first XXXX deadline, potentially having us loose the bid on the property. Since XXXX, we have had multiple errors on our file including address, identifying information, misspelled names, etc. We are now having trouble receiving information regarding our mortgage lock, interest rates and a date to close.

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 2021-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I'm Writing this complaint against Transunion, XXXX XXXX. I have recently sent all three credit bureau letters regarding incorrect / Invalid information on my credit report. First letter was sent on XX/XX/2021 and second letter was sent XX/XX/2021. Today is XX/XX/2021 and still have not recieved a response or had any of these items removed from my credit report, which is totally illegal. 
Please remove all of these items from my credit report immediately. This has caused me to be denied for a place to live with my children and has caused so much personal stress to me. I will attach all the letters I sent to the Credit Bureaus with My personal Information and the items that need to be removed and account numbers. 

Thank you for all your help in advance with this issue, 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 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

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 2017-03-26
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just received an email from " Navient '' asking for {$100.00} payment. I am still in college and do n't know why at this time they are asking for money. My service was with XXXX & it looks like this is the new company that has taken over. I was told I did not have to start paying the loan back until 6 months after graduation. 
I just read the reviews on this company. I do not want to deal with them. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have sent several disputes about collection XXXX XXXX XXXX has been re aged.

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 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
There is a derogatory mark on my report from Bank of American in my credit report.

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: The CBE Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constant non stop, several calls per day to my cell phone. I 've answered and they say they are wanting to speak with someone other than myself, I tell them they have the wrong number and I am notifying them to stop calling, as I am charged on my cell phone. They have continued to call even more frequently. Tactless, rude demeanor and quite disruptive. Please STOP these people. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
The problem started in XXXX of XXXX. Bank of America offered ( via promotional checks ) " No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time.

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