BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-17
Company: The Thomas Agency, Inc.
State: ME
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is my father 's they sent me a copy of the bill my dad had XXXX XXXX as a doctor I have XXXX as mine XXXX hospital swaps us around all the time if they would send the signed form that I have always had to sign you would see it 's my dads XXXX XXXX XXXX he has insurance and it would have been paid If it was billed right

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We have been harassed for well over a year on a daily basis from some scammers calling to collect on debt we do not owe in XXXX different names at our residence. The scammers use many different telephone numbers to make the calls however they all leave robo calls suggesting we contact them at XXXX & XXXX. We do not have any outstanding debt at all that should be on any debt collectors list. They claim to be " Diversified Consultants '' We have told them to stop calling on many occasions however they are relentless. We do not need to revoke consent because they never had any permission nor valid contracts to enforce in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: American First Finance, Inc.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We bought furniture from XXXX XXXX in XXXX, XXXX in XXXX of 2015, everything went well until it came time to pay. We asked for and were granted a loan a loan on the purchase. We paid {$400.00} down on a {$3400.00} requested loan which left $ XXXX loan was through American First Finance , XXXX, XXXX, at the time we were not informed that this was the provider of the loan. 

We signed a bunch of papers thinking we had done a good job of reading everything, ( guess we missed a bunch ). During this process interest rates were never brought up, ( I guess my wife and I assumed that it would be like XXXX or XXXX XXXX??. 

We only requested terms as we were waiting for the closing check from the sale of our house in XXXX, which we told the sales person, and we would pay the loan off. 

We waited for 3 weeks or so expecting something from the loan company and nothing happened. We called American FF and requested info, ( this was after we discovered who had the loan ). We were hung up on XXXX times, the third time we got through and requested information, which was sent. This is when we learned we had a 120 % loan for 24 months and it was set up to auto draw from our checking account. ( we missed this one, our fault ). 

I called my bank ( XXXX ) to cancel the auto payment and at the same time transfer money from my checking account to pay the {$3000.00}. After a wait on the 3 way call AFF agreed to let XXXX cancel the auto withdrawal. XXXX issued a {$3000.00} check to AFF to pay the loan. 

We waited, checking everyday for the check to clear, and making calls to the XXXX # and were told time after time that the KC office never received the check. I kept calling and finally received a return call and they were all from XXXX XXXX and not a XXXX XXXX, at this point I stopped payment on the 1st check and had XXXX send a certified check to the same address, which was received and cashed and we received notice. Two weeks later we receive a letter from AFF inc.with the 1st check and void written across the check.????????????????????????? 

As I write this my credit report still show that I have an open balance with AFF. INc of {$3000.00} and this was paid off XX/XX/XXXX. 

AFF. Inc seems to be located in XXXX and not XXXX and XXXX and AFF seem to be working together to take advantage of customers, anyways XXXX % interest is ridicules, and the way they go about it is a crime.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been attempting to get resolution for CFPB complaint XXXX. The company continues to dodge me calls. They will put me on hold and then leave the building. They will tell me they will call me back and then do not. The company has 15 days to respond to a CFPB complaint, for XXXX it has been well over that, almost 30 days. PNC still has not responded, nor will they field my phone calls. PNC falsely advertised to me and my joint account holder and they are attempting to cover it up, hoping I will drop it. It also seems they are lying to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I recently filed a complaint against Citi Bank on your sight. I tried to enter your sight today but was denied access.. Your case # is XXXX my name XXXX XXXX I received a letter from Citi Bank and cc 'd to you. It stated that they were unwilling to change the rate they issued to me, to the rate they originally offered to me..The reasons they stated are untrue..They said I did not apply on the website included in my letter..I used XXXX as directed and was directed to the application page upon which I applied..Citi Bank is in complete control of their websight and I am not.. Secondly their letter states that by applying for the account online it. initiated a lenghty process to determine credit worthiness. I was told in my original guaranteed offer, that to receive the 0 % for 21 months then 12.99 % after that i had 3 options available to me. # 1 fast response via the website for Citi Bank as shown above. # 2 call XXXX. # 3 mail the form. I chose doing it online with opion # 1. The offer was good until XXXX/XXXX/15. I applied on XXXX/XXXX/15 well within the time frame of the offer.. it is obvious by my phone and mail contacts with Citi Bank after receipt of the credit card that I was not given the rate promised but XXXX 10 % higher..I have not used the credit card and will not, until the interest rate is changed to what was offered to me originally .. As I stated in my original complaint to you, I feel like this is a bait and switch tactic by Citi Bank.. So far I have only received a letter from Citi Bank but nothing from your agency..I would appreciate a response from you after your investigation into my entire complaint..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
I received a credit alert from XXXX XXXX ( XXXX ) that I had been reported twice ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) for a delinquent account by Macy 's. After speaking with Macy 's customer service ( XXXX/XXXX/2016 ), I was told they had not reported me. I believe this relates to a previous account that was closed due to fraud.

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 2015-11-23
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
My elderly mother received a call from XXXX from a man named XXXX XXXX saying that I was going to be arrested if I did not return the call and the case # was XXXX. I called and reached XXXX XXXX. They said that XXXX XXXX was going to subpoena me regarding that docket number due to an unpaid payday loan XX/XX/XXXX with XXXX XXXX. I told them that I paid all debts regarding XXXX and that I knew this was an unlawful fraudulent call. XX/XX/XXXX another company claimed the same thing so I verified with XXXX that they were n't working with XXXX. XXXX XXXX told me that the debt collection company claiming this that they were working on behalf of was called National Credit Adjustors and to call them at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
My mortgage processor with USAA, XXXX XXXX XXXX emailed a completed VA form with my social security number, date of birth, full name and address prefilled on the form without any read protections or encryption since she felt it would be faster than using USAA 's encrypted banking website to send the form. USAA 's own internal company policy prohibits emailing of any mortgage forms because of the risk of identity theft ( as stated to me by another representative earlier in the mortgage process when I requested a loan pre-qualification letter ). Despite XXXX XXXX claims to the opposite, the email was not encrypted and she feigned ignorance of how encrypted emails work by stating that USAA 's networks are encrypted and thus all emails are as well. Her deliberate act to email a VA form with my personally identifiable information ( PII ) via an unsecure email without any document protections ( such as requiring a password to open the file ) has exposed me to the potential for identity theft now. 

Beyond this issue, throughout the mortgage process USAA refused to honor my wishes to contact me by telephone instead of by email, causing delays in providing documentation. USAA also failed to explain the process in which mortgage officers are appointed and how you may not have the same officer if you have to cancel XXXX application and begin another. The quality of the mortgage officers varies widely with some apparently completely unable to read a customer profile ( I am not married, but XXXX XXXX insisted I was XXXX and asking to have a new officer assigned becomes an adversarial event between the customer and a manager. Management of these officers is similarly terrible with promises not being followed up on or even phone calls returned requesting help. 

I do not intend on ever using USAA for future mortgages and I would not recommend them to anyone either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Diversified Consultants , Inc continues to call my phone XXXXXXXX times a day trying to collect a debt that is n't mine. I asked them to mail me a certified return-receipt validation of this debt so I could contest it, and they refused. My attempts at explaining this situation to a supervisor were dismissed out of hand, and I was told to pay up or they would continue calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. When I called to set up the account I confirmed with the customer representative that the promotion would apply if I met the criteria. I then met those criteria and expected to receive the XXXX AAdvantage miles by XX/XX/XXXX ( 90 days after the end of the billing cycle in which I met the criteria ). During this time I was charged three monthly service fees of {$30.00}. Now, after opening the account with the promotion and meeting the requirements Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$90.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.

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 2015-08-28
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-21
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i am trying to get a fraudulent card company off my credit report because i am a victim of id theft and the company wont do anything because my information matches my public record witch OK if your a victim of id theft your information is going to match you public record thats why its called id theft. the company is barclaycard us which i was told by XXXX that they wont remove the account be cause everything matched my public record if they can show me the application with my signature on it saying that i signed up then fine i have to pay it but if they cant by law they have to get rid of the file/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 2015-07-12
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I feel that Citibank did not help me as a consumer. I did a purchase that i I never received but a contract andthey refuse to stand behind me. I read on one of my credit card disclosureif your not happy with a purchase you can return it. in so many words. 
I had purchase from XXXX and I feel I was scammed and Citibank didnot help me get my money back. I never used this program or itemthey sold me I had sent a letter to cancel within the 3 days but theysaid it was late regardless I tried to cancel over and over again. 
I will pay a small fee for canceling but I do n't feel they should keepmy XXXX dollars. I never used them and never will. while on theship other people that was in the presentation agree it was a rip offand me like a dummy was rushed thru it and fell for what the salesguys said instead of reading the whole contract because we weregetting on a cruise ship is how they sold XXXX so we did cancel itafter reading it but Citibank refuse XXXX allow us to cancel it or help uscancel they just believed this lieing company called XXXX travels checkthem out you will find a lot of people did they same the thing I did waspay it in full with my citicard and they are not no help so I refuse to payanymore for something I did not receive full service from XXXX I do n't havemoney to throw away. I tried to cancel a number of times with thecompany and Citibank and no one helps me as a consumer. 
it is fraud and a scam help me out please get this resolve. once we gotoff the ship we sent a cancellation letter.. we did all we could toresolve it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I have been trying to close my deceased Father 's account with Citibank since XXXX, at which time I was wrongly advised Citibank was working on the matter. Three weeks after I had completed about a dozen pages worth of forms I received notice from Citibank that I was claiming the assets as my deceased Father 's " next of kin, '' despite the fact that I had submitted a XXXX page letter explain how my legal right to the money was due to a Trust agreement of which I had submitted appropriate pages to Citibank. From there Citibank made the assumption, also erroneous, that the total value of my deceased Father 's assets at the time of his death were less than {$150000.00} and required me to complete a form affirming such, or Citibank would wrongly maintain control of money which legal belongs to the beneficiary of my deceased Father 's Living Trust. 

Citibank has dragged their feet each step of the way, and has now proven themselves uncooperative. I would very much appreciate some help on this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
I sending this information I found on my credit report is wrong this is not something I did on that time or dates are incorrect this is complete wrong

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 2017-03-01
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Late fee

Complaint:
I signed up with a Amazon card using Synchrony Bank. My first electronic email from them was a statement that I had a late fee of {$25.00}. Amazon immediately assigned the card, but I did not get the first statement. Synchrony waived the fee and I thought the card was canceled. Somehow a {$3.00} charge went through. I was charged interest and a late fee again. 

This seems to be a modus operandi for Synchrony. Moving to electronic billing - missing emails and charging fees.

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 2021-01-18
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a pay day loan for XXXX. Dollars I paid {$13000.00}, I paid what I thought I owed, to XXXX XXXX XXXX XXXX, they repossessed the vehicle, I paid the payoff, and only owed {$1500.00}. XXXX, dollars. That was in 2013, now they reappeared on my credit report and are now harassing me and ruined my credit for arbitrary leading reasons. For {$15000.00} XXXX dollars I need this stopped and deleted off my credit report please help.. They need to be put out of business for these types of fraudulent title loans.

Company response to consumer: Closed with explanation