BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-21
Company: Diversified Consultants, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The charge from XXXX / {$700.00} that I do not owe because I do n't have XXXX nor have I ever had XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: ERC
State: TN
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:
I have asked 3 separate times for a letter saying my debt was paid so I can have it removed from my credit card and the debt company used by XXXX XXXX XXXX can not seem to get me the letter. I only received the collection notice because I moved and never got a bill via US Mail. I need this letter to complete a process and these people are INEPT at getting this done. The company is Enhanced Recovery and their number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-07-05
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified consultants is reporting they harmful listing on my credit reports for a debt I do not owe. I disputed the debt with the credit bureau but they still still are reporting a debt that I know nothing of. I also realize that the debt they are reporting has not been validated and that it is a violation of the FDCPA and FCRA to collect and report debt that has not been validated. They have not and can not provide a contract signed by me taking ownership of the said debt or itemized bill showing how the charges came about. I will not pay these people that I do n't even know for a debt I do n't even owe

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan of {$400.00} after I agreed to it they sent me documents that stated i would be paying back close to {$2000.00} on a {$400.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
A judgement on my credit was satisfied in XXXX. I have faxed the court record proving this to Transunion and XXXX. They both told me that the judgement would be removed but they fail to do so. I can not get a loan because of their lack of follow up and I am facing eviction as a result. I am a XXXX American and need assistance immediately in getting them to repair my credit. I need assistance in getting them to repair my credit so I can get a loan at my bank. I have XXXX in real estate equity that they are preventing me from accessing. I have called them numerous times asking for assistance. They assure me each time that they will repair my credit immediately but when I check XXXX the judgement continues to appear. The credit bureaus say they are waiting for the courts to respond to them. I have spoken with the courts in the state of Washington and they are not in the position to respond due to work load. Therefore, I faxed the satisfaction of judgement to the credit bureaus and they fail to respond. This action on their part is causing me financial loss, impacting my health and will cause me to be evicted. I am filing this complaint in order to get assistance with the difficulty I am having with the credit bureaus. My residence is scheduled to be sold on the Sheriff 's Auction in less than 30 days. The credit bureaus will be held solely responsible for my eviction if they do not cooperate.

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 2016-12-29
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have account with Citi bank for almost 10 years. I was trying to login to my account but it was asking me about my new debit card that i supposed to received, i never received so i called the customer service, the citi bank representative trying to send me the replacement when she verified my address she said that there was some problem in your address, we sent to the different address. I explained her that I receive all my citi bank mail on this address for the last 2 years and never had any mailing issue. when i asked can you tell me what is my current address and when this got changed. she said she ca n't share these info. i request to talk to supervisor, she said we have the same mailing address and she came with another story that your account has been closed few days ago due to overdrawn., I told her that citi bank closed all their location in my sate ( Pennsylvania ) long time ago. the only way to access my account is online or through ATM. i did n't have access to it. i asked for solution. she said no solution to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX XXXX, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX Citi ThankYou points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 


XXXX Citi ThankYou points equals {$800.00} in travel on XXXX XXXX when used with the XXXX credit card. 


After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. 


On XXXX XXXX, XXXX, I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, XXXX. 


On XXXX XXXX, XXXX, I did not receive my bonus points as promised. 


On XXXX XXXX, XXXX, I went on chat with XXXX and explained that I did not receive my points. XXXX said I should have already received my points. An internal investigation was opened. 


On XXXX XXXX, XXXX, Citi 's investigations team informed me that my bonus was denied for the following reason : " There was not a ThankYou Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 


Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

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 2017-01-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I noticed CITI CARD XXXX ... XXXXXXXX XXXX XXXX XXXX, SD, XXXX. They are on my credit report ..its says ive had them since 1989 and have been making payments since then and still am. I do not get a bill for this company nor do I pay XXXX so I dont know why its on my report and why it shows I make payment and ive had it since 1989

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 2015-04-10
Company: Kirkland Asset Management LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have been getting calls for the last year or so regarding a debt from XXXX XXXX my husband and I took out in XXXX of XX/XX/XXXX I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from Kirkland Asset Management a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: WELLS FARGO & COMPANY
State: NV
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to the CFPB in regards to Citibank 's false advertising practices and poor internal processes and control. I applied and was approved for a Citigold Interest Checking Account with Invitational Promotion Code : XXXX for XXXX ThankYou Points after meeting requirements. For further evidence, please see Page XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX confirms that account is enrolled in XXXX ThankYou Points promotional offer ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX mistakenly writes that my account is enrolled in promotion XXXX and that I must " complete Qualifying Debit Card Purchases of {$1000.00} '' ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX corrects XXXX and writes that my account enrolled in promotion XXXX had successfully satisfied promotion requirements and that I will not have to provide the printout, as she has sorted out the issue of XXXX 's mistake ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, XXXX XXXX reconfirms that account enrolled in promotion XXXX met the requirements and that XXXX Thank You Points will post by XXXX XXXX, XXXX ( Reference : XXXX, Page XXXX ). 

On XXXX XXXX, XXXX, Citibank sends mass emails about account openings for my checking and savings. On XXXX XXXX, XXXX, Citibank sends an apology for " technical errors '' ( Pages XXXX-XXXX ). 

On XXXX XXXX, XXXX, XXXX Thank You Points do not post and an inquiry is made. 

On XXXX XXXX, XXXX, Citibank writes that account had no Thank You promotion to begin with. 

It is clear, due to the above and the attached evidence, that Citibank is experiencing very poor internal processes and controls, including but not limited to : promotion enrollment mishandling, mass emails about account openings, points not posting properly, and more. 
There is also false advertising and confusing marketing involved by leading the consumer on and making false promises to a Citigold consumer that points will post by a certain date, only to be told that there was no Thank You Promotion applied, despite evidence saying otherwise ( including XXXX confirmations of promotion enrollment ).

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 2015-10-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I belief its unfair for a bank to denial there customer the right to ask to up there credit limit on there credit card that three year old never late never missed any payment always the bal pay in full all ways. now on or about XXXX/XXXX/2015 my dividend cad ending in the number XXXX to increase my limit to XXXX XXXX and the base for the request was I cant used the card. with a credit. Limit is XXXX that credit is three year old. this is the third time I have ask to increase that because it effect my credit score. that why we do n't used that. the XXXX XXXX limit is for some just become a customer of Citi bank. and for Citi to denial my request for the increase base on the number of inquired and Citi tell me that iam a loyal customer. but let me explain the number inquired, that on my credit my husband own a company that used my credit also that why there are number of inquired. but not XXXX missed payment or never late payment. these are the real fact follow the fact. let talk about that I have a XXXX XXXX on the XXXX with XXXX a year income, and I would review that as being treat unfair with excellent credit in XXXX. my payment history is very strong. I belief the account should be review as a loyal customer as Citi bank say. follow the fact on the credit report and not a inquired .just because of my age. do n't let that play a factor in a decision that do n't warrant a denial. so how can I be a loyal customer of Citi bank. if i am getting denial for ask to increase my credit line. I quest people like me and my husband at our age cant have good credit history. its unfair. this is the third request and being denial so guest we will stop ask. for an increase onthat card that XXXX year old with excellent credit history., fact check the record please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-15
Company: Solidus Group LLC.
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a phone call at my place of employment from a man stating he was pressing criminal charges on behalf of a payday loan that was not satisfied 3 years ago. I asked that he not contact me at my place of employment and asked for a number to call him back. I promptly called back to find out what the issue was. The man stated that I was a criminal that defrauded a payday loan company and that I was being charged. I stated that I have n't received any sort of information regarding the debt and did n't know what he was talking about. He went on the call me a 'piece of XXXX ' who was criminally taking out loans and defrauding companies. He continued to yell and verbally abuse me and accuse me of criminal activities I did not commit. I immediately asked to speak to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was attending XXXX XXXX College when these loans were taken out. However the school is no longer on business and has closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this 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 2016-09-22
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an account reporting on my credit file with XXXX XXXX and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact XXXX using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to XXXX asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.

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 2017-02-02
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I began applying for a loan mod with Citibank XX/XX/XXXX. 
I almost bled to death on XX/XX/XXXX from a bleeding ulcer which I experienced due to internal pressures such as the one I am writing about right now. 
The " only '' reason I am able to write this now is I was fortunate a friend was with me when XXXX. 
After a year of getting what felt like the runaround by Citibank lower level loan mod agents which began on XX/XX/XXXX I filed a complaint with the CFPB XX/XX/XXXX. 
After being denied a loan mod by Citibank on XX/XX/XXXX in writing and via telephone due to intercession by the CFPB I was notified on XX/XX/XXXX my loan mod was now accepted. 
On XX/XX/XXXX I received an acceptance letter from Citibank. 
After the loan mod was accepted I was informed by agents of Citibank that the terms of loan were to be 2 % for 40 years. 
During a subsequent phone call a Citibank agent informed me that the loan mod would be at 2 % but would adjust upwards after 5 years maxing out at 4 % after 5 years. An adjustment I could survive with since I will not live in my home for 5 more years but it would provide me time to make adjusted payments of {$580.00} providing me time to fix house as best I can, sell it and move " somewhere ''. 
Yesterday on XX/XX/XXXX after getting the " permanent '' loan mod documents f from Citibank " changes '' in the terms appeared. 
The " terms '' changed from 2 % for 40 years to 2 % for 30 years increasing my monthly obligations prohibitively additionally changing the 4 % cap after 5 years to 4.25 %. 
Per the " permanent '' loan docs I received Citibank wants these docs with original signatures returned by XXXX. 
I called Citibank to discuss discrepancies in the permanent loan docs but was unable to speak to the agent handling my case until Monday XX/XX/XXXX at XXXX PST at which time " he '' is supposed to call 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 explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
My Citi Thank you card ( reported 2 months ago ) does not reflect the true balance of the actual amount I owe. I have confirmed this with City. Please find the attached which will be mail to the office of the president. As it appears Citi likes to work at a glacial pace, I will be submitting the following which I have generated today. Having just spoken to XXXX in disputes, she did in fact say that the activities are more accurate than the PDF statements and that the PDF statements are sometimes 3 months behind with credits. 

I am attaching the activity spend of XX/XX/XXXX and XX/XX/XXXX. Reflecting a true balance {$4200.00}. 

Furthermore, I am attaching the PDF bank statements that show the discrepancy. LET THERE BE NO CONFUSION, THIS IS NOT A REVISIT INTO DISPUTES, FRAUD OR ANY SUCH MATTER BUT AN AUDIT OF WHAT WAS CHARGED AND CREDITED. 
FYI. ALL MY OTHER CITI CARDS PDF STATEMENTS MATCH THE ACTIVITIES REPORT. JUST FRUSTRATED I HAVE BEEN OVERPAYING NEARLY $ XXXX, OF CHARGES THAT WERE NOT MINE.

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