BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-28
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an offer to open a Citibank gold checking account with a promotion code to receive XXXX miles after meeting certain criteria. 
After opening the account I received an email stating that my request to open this checking account had been approved. I inquired to verify and the promotion was confirmed and I initiated opening funds for the account. 
After I thought I had completed the requirements, I chatted ( see attached print out of chat ) to confirm I had done so, at which time I was made aware there was one more requirement I needed to complete. I asked how long I had and was given the date. 
Again, I completed this requirement within the date given to me by the agent over chat ( see attached ) and I chatted again to verify completion. The Agent confirmed " I see that you have successfully met the requirements ''. I asked how long it would take for the bonus to post and he said " in the next statement cycle ''. 
After the statement cycle when the bonus did n't post, I called and confirmed and that I had met all of the requirements of the promotion. The Agent said they would file an investigation. Weeks went by and I did n't hear back so I called again. This Agent said the investigation had been concluded and I had been sent notification ( that I never received ) stating I did n't qualify and there was no promotion attached to the account, which was very confusing and frustrating to me since as you can see from the attached chat conversations that the promotion and my having met the requirements had been verified on several occasions. They asked me some questions and said they would file another investigation. 
I just received another letter ( see attached ) saying that " there was no promotion offered with your account ''. This is a direct contradiction to the information I received from several customer service agents stating that I was eligible for the promotion and that I had met all of the requirements for the promotion. 
If at any time I was not eligible for this program or it was not connected to my account, I should have been advised of this on any of the occasions I inquired specifically about this promotion. This is deceitful and fraudulent on Citi banks part, all the while billing me {$30.00} in monthly fees to maintain this account while they try to deny me this promotion that clearly was the enticement to open this account in the first place.

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 2015-11-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX credit report is showing a charged off account with Citicards CBNA. I have never had a credit card with this company and I know nothing about this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this Citi debt is not mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-03
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly asked for the original document that this was supposedly opened by me and have never received it. Do not believe this is my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Privacy

Complaint:
I filed a complaint a week ago regarding American Express contacting my spouse without my concent. They then said they took that number off there screen when I called them. I NEVER authorized them to use any other numbers other then the one I provided when opening the account. I want documents showing that I authorized my spouse cell number to be added to my account. By law they should not be contacting anyone or using any numbers i have not provided. So you telling me if I contact American Express from a public phone they going to call that # and release my information? I want all documents and recordings of my calls to be sent to me with American Express paying the expense to send them to me. Or I will have my attorney draw up paper work to obtain that information, then I will go puiblic to social media, news channels, to show them how careless and unprotected american express is with its customers information and privacy. I will fight this till American express admits it screwed up on contacting someone else other then the card older. As a result of them contacting my spouse it caused us to split up, and i will sue for damages if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this has been ongoing for several years now. I have reported this company before. They call my house starting at XXXX and continuing till XXXX or later. They have been told by me that the person they are looking for does not live here. 
Company name is Portfolio Recovery. They call from many different numbers. Last 0ne was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called PORTFOLIO Recovery Associates XXXX 
-After investigation, I found that Portfolio RA bought a false debt from XXXX bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, Portfolio ruined my good credit history by sending invalid claims to the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I am writing to your agency in hopes you can help me with this dispute. I am very upset with my credit card company, American Express and the way they handled my claim. I called them on XX/XX/XXXX and they did n't even give me the chance to explain and said that was nothing they could do. I filed a dispute with Amex through you ( CFPB ) and American Express sent me a letter now in response saying that they are unable to refund my account stating that the charge is too old to dispute. I did some research that I could still dispute my charges using the claims and defenses, that I have up to one year from the date of the statement. Which I did. I believe I am within my rights and I appreciate if my credit card company would take a look on my side instead of telling me to take a hike without even opening a case. The charge that I am trying to dispute is {$4000.00} and the company did not deliver the services as promised. And I could barely get in touch with anyone from there, and finally when I complained and asked for my refund they completely ignored my calls. I believe they took advantage of me they prey on the elderly and I believe I am on my rights. And American Express is not even giving me a chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call shortly after XXXX and again usually around XXXX. There have been a few days where I have received XXXX calls from the same number as well, each time the same situation. 
I answer the call and the caller hangs up. Nothing is said from the calling party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: AMERICAN EXPRESS COMPANY
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX has been calling my son and I every five minutes on our home phone, my son 's phone which is ( XXXX ) XXXX, and my cellphone, which is ( XXXX ) XXXX. My son has already told them to stop. They ca n't seem to stop calling us until they get through to one of us. They disrupted my son 's conference call three times this morning and called my home phone at least ten times in the course of 2 hours. My son told them to cease and desist He also told them that I do n't want them to call me. We 've had enough with them and ask they quit calling us. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In 2014, my husband passed away. I am on the deed and mortgage for the property, however, I am not on the note. HFC will not speak to me. XX/XX/XXXX, I sent a Notice of Error requesting that they discuss the account with me. My attorney sent a letter with a release and we never received a response. I need to talk to my Servicer because there is a balloon payment in the near future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
My American Express Serve Prepaid card has been duplicating charges since XXXX/XXXX/2016. I did n't notice the issue until XXXX/XXXX/2016. I am now in the negatives in my account and American Express has not fixed the issue. I am traveling out of state and to have this issue because of American Express and to not be able to reach anyone with customer service is extremely unprofessional. I want the charges taken off of my account and my original balance restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had a HSBC mortgage which I paid off in mid 2016. I had online access to my mortgage statement prior to payment of my loan but afterwards, I no longer have online access so unable to get tax statements. I 've called twice. HSBC refuses to provide paper statement and unable to provide me online access. I 've spent 2 hours in total over 2 calls and still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I 've continued to have multiple issues with Citi and their XXXX Card. They charged me multiple fees for a glitch in their mobile app, then it took me nearly two months to even get a response regarding my complaint. The charges totaled {$120.00}. After continuing to get no assistance, I was finally able to speak to a person claiming to be a manager. She told me all of the charges would be reversed, however only {$75.00} was reversed, the other {$50.00} remained. Now I 'm having yet another, but different issue. I paid my bill in full with the understanding that the amount I was given {$1000.00}, would clear and close my account completely. Four days later they charged me {$19.00}. I understand how interest is charged, I 'm a XXXX for a local XXXX XXXX office. However, that charge should have been reflected or at least mentioned when I made the payment. Nowhere did it state any of this information so that I could completely pay it and be done with the continued issue of Citi being dishonest. I even contacted their customer services and was told there was nothing they or I could do and that I just had to pay it. They said there was no way to file a complaint or get the charge reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I DID NOT APPLY FOR ANY CREDIT CARD DEBIT CARD OR LOAN AND I HAVE A HARD INQUIRY FROM SOME CREDIT COMPANYXXXXXXXX XXXX XXXX XXXX DID NOT AUTHOURIZE ANY THING AND WANT THIS HARD INQUIRY OUT OF MY CREDIT REPORT

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have received XXXX denial letters for store credit cards that I did not apply for. The XXXX letter was for a Best Buy credit card and the XXXX Sears.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
There is a late payment in my credit report dated XXXX 2015 ( 30 days ) from SEARS/CBNA. 
Sears-Citi did n't send me the statement on time for {$26.00}, not to my email nor home address. I called customer service and they removed the late fee since the problem was in their system not sending the statement on time. However, the credit department did n't remove the late payment from my credit report. I sent them letters and asked them to correct their mistake but no results. 
I did n't have any late payment in the past in any credit cards. This late payment decreases my credit score significantly. Usually credit card companies trying to protect costumers but Citi is going in opposite direction to hurt members due to their own mistake. 
My request is that Citi removes the late payment and correct their system mistake so it will not happen to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: DISCOVER BANK
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had XXXX private loans with Discover Student Loans that were charged off several years ago. XX/XX/2016 I came to a settlement agreement with Discover and paid off these loans on XX/XX/2016. Discover has continued to report them as past due even though no further money is owed to Discover. I first disputed directly with the Credit Reporting Agencies, and Discover verified the incorrect information. Then I sent a letter directly to Discover explaining the issue and received only a form letter in response saying the reported information is correct. On XXXX, as of a report from XX/XX/2016 ( almost 4 months after settlement ) they were still reporting {$460.00} past due as of XX/XX/XXXX on XXXX loan, {$490.00} past due XX/XX/2016 and {$590.00} past due XX/XX/2016 on a second loan, and {$760.00} past due as of XX/XX/XXXX on a XXXX loan. That is XXXX incorrect reportings on XXXX. On XXXX, they listed all three loans as past due in both XX/XX/XXXX and XX/XX/2016 ( XXXX incorrect updates ). On XXXX they also listed each loan past due in both XX/XX/XXXX and XX/XX/XXXX for XXXX incorrect updates. That is XXXX incorrect updates by my count. I have followed the available procedures to get them to correct their reporting and they have failed to investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had gotten a loan through XXXX XXXX XXXX in Ohio. I had always paid back my loan but this time I had unexpected circumstances occur that left me with a financial hardship. I could n't pay back my loan. I received a letter in the mail stating that XXXX XXXX XXXX would withdrawal a series of remotely created checks to access my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I sent a letter to XXXX XXXX XXXX revoking my authorization to access my account using XXXX and also sent a letter to my bank asking to block XXXX XXXX XXXX from accessing my account. On XX/XX/XXXX, I checked my account and saw that a check for {$500.00} was created by XXXX XXXX XXXX and cleared by my bank. I sent an email to my bank and to XXXX. Its a holiday so I ca n't get ahold of my bank presently. XXXX basically said nothing. I will now have to pay a large collection of overdraft fees as I have several payments pending.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a new number from XXXX XXXX, I have owned this number for 2 years. For the past two years I have recieved multiple harassing phone calls from various collection agencies looking for a people named XXXX and XXXX XXXX. I do n't know these people, and I do n't owe a debt. I want this harassing calls to stop. Credence Resource Management is the latest company to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: The CMI Group, Inc.
State: FL
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:
I moved out of XXXX 's service area and they say I owe them an early termination fee. They say I broke the terms of their contract and charged me a {$170.00} fee for that. I asked them if they would move my service to my new address, they said they could n't and would disconnect my service for me, but could not reconnect. I received a bill stating I had a credit of {$47.00} that was owed me. Next month I got a bill with the early termination fee and it used my credit towards that. I called and they said they would issue my refund check in about two weeks. Next month I received another bill for the balance of the early termination fee. I called again to complain to XXXX. I was cut off twice. I filed a FCC complaint, and XXXX called me and said they could not waive the fee. I asked them to provide service in my home. If I was being held to the contract, then I was holding them to the contract. They said they could not and would not waive the fee. Two hours after that call I received a call from a collections agency asking for the balance of the bill XXXX says I owe. I am due a refund of {$47.00}. I have attached the bills and the collection notice I received in the mail.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: CITIBANK, N.A.
State: TN
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out student loans with Citibank. I paid and consolidated the rest of my loans. I contacted Citibank and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citibank credit card sent me to collections, reported negatively on my credit files and continues to collect on charges that I have disputed now for over a year. Wrong amounts being charged and I disputed as soon as noticed to the comaony many times via email, USPS mail and phone. The company has refused to correct the errors and now remove the balance and charges and continues to add fees and report negatively. This account and balance do not belong to me

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