BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls a day, at LEAST 1/2 dozen. I tried talking and there answer was its automatic. Every other co XXXX XXXX was real to deal with. They accepted my Medical Explanation but Citi Bank that holds the card for Sears Refuses to Listen. XXXX XXXX XXXX, and others Respected what was going on but Citibank Refuses to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for Citi Gold Checking Account with XXXX promotion on XXXX/XXXX/2016. 
The promotional offer is that AAdvantage XXXX bonus miles will be credited by Citibank within 90 calendar days from the date when you completed all offer requirements. 
I have received a confirmation letter specifically addressed to me from Citibank that I have met all the requirements on XXXX/XXXX/2016. In the letter Citibank stated that " I can confirm the promotion is attached and requirements for XXXX promotion are completed. In addition, now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/16. '' However, although more than 90 days have already passed, Citibank refuses to honor their promotion as promised. In addition to meeting the promotion requirements, I have also paid {$60.00} for their monthly fees while waiting for Citibank to uphold their word.

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 2016-03-17
Company: CITIBANK, N.A.
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I received an email in the middle of the night on XXXX/XXXX/XXXX confirming my Bloomingdale 's purchase. I called first thing the next morning to inform Bloomingdale 's that I did not make this purchase. The purchase was made by someone on the other side of the country. It is not XXXX/XXXX/XXXX and the charge still has not been cleared from my Bloomingdale 's account. I have called every 2 weeks to complain, submitted an statement of fraud, and done everything I have been asked to do. I am furious. I feel like I have no power to get them to clear us and they always give me a run around that it will be cleared by my next billing cycle. I have been told that the department that investigates the claims is back office and does n't have a phone number. Help!!! I have near perfect credit and this is making me insane.

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 2017-01-06
Company: NCB Management Services Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They call every day. They ask for XXXX XXXX. They say it 's an attempt to collect a debt. They say if you are not XXXX XXXX, hang up and call this number. I called the number a year ago asking them to stop calling me. They agreed to stop, but I am still getting calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had a $ XXXX Home Equity loan taken out with USAA.com five years ago. The interest rate I received at the time for the loan was 4.49 %. 
This month, the HE loan was converted to a fixed-rate loan, as had been expected after the first five years. What was not explained to me was that they bumped up my interest rate by 250 %, to 10.35 %!! When I asked about this possibility several months ago, I was told it would " depend on market conditions. '' Clearly, interest rates have not doubled since I took out my HE loan, and nothing else about my credit history ( which is excellent ) has changed! 
I 've been the victim of 'bait and switch '.

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 2020-12-15
Company: R & B Corporation of Virginia
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector calls Credit control XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Keeps harassing me Credit Control Called my XXXX XXXX XXXX that I purchased XXXX XXXX on XX/XX/2020my XXXX prepaid phone number issued to me as XXXX. 
The debt collector calls are stating a debt thru Credit control I DO NOT HAVE ANY DEBTS but I do continue to have identity theft issues unfortunately Credit control attempts at collecting debts monies from me for others debts. STOP credit control it is illegal .. 
XXXX auto insurance And unknown For the names of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone caller ids XXXX XXXX XX/XX/2020 XXXX XXXX XXXX on OXX/XX/2020 caller name XXXX phone XXXX Persons by the name of XXXX and XXXX XXXX XXXX @ @ @ @ @ @ @ @ Credit control XXXX XXXX XXXX XXXX @ @ @ @ @ @ @ @ @ @ @ @ @ @ XXXX XXXX XXXX My identity theft is registered with the FTC My US name is XXXX XXXX XXXX XXXX XXXX I have told these companies they are calling me and NOT XXXX not those names I have stated that phone number is XXXX I pay XXXX {$65.00} per month I have notified these companies to STOP harassing me and stop calling me about a debt I do not owe. They continue to call me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Diversified Consultants, 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 resulted from identity theft

Complaint:
Diversified Consultants , Inc . 
XXXX XXXX XXXX, FL XXXXACCOUNT NUMBER : XXXXXX/XX/XXXX/XXXXXX/XX/XXXXToll Free : XXXX. 
Fax : XXXX. 
Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Diversified Consultants or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Diversified Consultants , Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX DOB XX/XX/1982XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Advance America, Cash Advance Centers, Inc.
State: OH
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I have a complaint about a transaction at this store : XXXX # XXXX XXXX Cleveland, OH XXXX NCP Loan Number : XXXX I was told that it was part of XXXX is part of Advance America. 

I 've been taking out loans on and off from this location for about XXXX months. In earlier loans, I was given the option if I wanted the repayment withdrawn automatically from my checking account. Then I was told if I wanted to " re-up '' the loan, meaning process another loan right after paying the first one back, I would have to come in because it can take their system XXXX days to recognize the first loan had been repaid via automatic withdrawal. Finally when I took out my latest loan, the story changed once again and I must come into the store to repay, there is no automatic withdrawal option - even though I received text messages confirming they would process an automatic withdrawal the next day if I did n't stop in on the due date. They even called me and my husband to harass us because I had n't come in. 

I believe they are changing the auto payment rules to encourage people to re-up their loan, and never really pay off the cash advance. Please feel free to call me if you have any questions. 

SincerelyXXXX cell XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Diversified Consultants, Inc.
State: OH
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 am writing in regard to XXXX account XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, Ohio XXXX. I was a long time subscriber to XXXX for 9 1/2 years. At age XXXX, I subscribed at the lowest price point because my income is well below the poverty level ( just a little over {$12000.00} a year ). A XXXX telemarketer contacted me and thanked me for being a long time subscriber and told me that I was eligible for a free upgrade to High Definition service. The telemarketer used unfair and deceptive marketing practices by telling me that I would also receive 3 months of premium movie channels at no charge. XXXX failed to adequately disclose the true nature of the deal in a manner that I could understand, which resulted in much higher prices, unauthorized charges and a requirement that I maintain the new rate for 2 years. XXXX used high pressure predatory practices by targeting me as an elderly person, who XXXX gets confused over the details. All I understood is that I was being rewarded for being a good customer with free services. 
When I saw my next invoice, I saw that my subscription price more than doubled which I did not expect, and could not afford. When I called XXXX about the unauthorized charges, they would not allow me to go back my original plan and told me that I was stuck at the new rate for 2 years. I then told XXXX that I wanted to cancel all services and was told that I would be charged for a verbal 2 year contract. I cancelled my service and returned the required equipment. XXXX 's predatory, and deceptive practices was confusing to me at my age. 
XXXX has since issued collection actions through Diversified Consultants XXXX Agency reference # XXXX XXXX in the amount of {$470.00} which hit my credit rating. I am requesting that XXXX cancel all inaccurately perceived debts due as a result of their deceptive actions, cancel collection actions including repeated phone calls, and rescind the credit rating incident, in order to restore my credit rating to pre incident levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Hacked my bank ( USAA ) and had a credit card sent to the XXXX. The email of this person was XXXXXXXXXXXX, I know this because he changed my primary email to his.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Diversified Consultants, Inc.
State: WI
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:
When applying for a loan with my credit union this XXXX, I discovered there was a collection listed with Diversified Consultants , Inc . I looked into the matter further, and it was in reference to an account that I had with XXXX. They were trying to charge me, after 2month of bad reception in my area, for not returning a phone to them. But I never received a phone from them. I bought my unlocked phone XXXX XXXX XXXX, on XXXX and ordered a sim card from the carrier. I explained this to the lady over the phone. She said that whether the charge was valid or not, if I did n't pay it that it would damage my credit. So I paid it in order to have it not harm my credit. I just had my credit checked again last week and I found out it is still damaging my credit. I tried calling them, and they said since I had paid them already it was a valid charge and I no longer have the option to dispute it. They never told me that I could dispute it when I called them in XXXX. They just wanted to make a profit. I asked them for them to provide my information showing that the debt was valid in the first place so I could go about disputing it directly with the credit bureau. They said that XXXX has this information, not them. So I called XXXX and they said they no longer have that information, but Diversified does. I called them back, and they told me the same thing. I feel like this company gave me false information, they are giving me the run-around and now I am paying the price for it by having damaged credit which is preventing me from getting a good interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Clear Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have been contacted several times by a collection agency claiming to be collo citing for a payday loan from several years past. I was threatened with wage garnishment, being sued and continued, more aggressive means of collection if I did not pay the debt right away. I naively mad XXXX apartment arrangement and provided by banking information. After, I felt unsure of my decision and consulted the alleged original creditor, of which there could have been XXXX possibilities, the " collection agency '' would not identify who it was. XXXX account had been placed with a collection agency, but not the agency contacting me, and the other possible creditor had no record for me any longer. I spoke with the correct collection agency and they no longer had an outstanding account for me, it had already been cleared. I immediately went to my bank and closed the account I made the payment arrangement with. Now, that company is calling repeatedly, both my personal telephone and at my place of employment, harassing me that I will be taken to court if I do n't pay. These tactics are not used by legitimate collection companies, and these people wo n't stop, it seems. I have informed them I will not do business with them unless they provide proof of debt ( which they refuse ) and they have been informed they are not allowed to call me at my place of employment. Yet, they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I purchased a bunch of items at a Home Depot store in XXXX, MA last year in 2015. At the register, a home depot sales associate said I could save 5 % to 10 % on that purchase and every subsequent purchase made in Home Depot online and Home Depot retail store, if I used a Home Depot credit card. So I signed up for the credit card believing that promise. A XXXX weeks later, when I purchased some more items on Home Depot, they did not give me the 5 % discount they promised on the credit card. So I called Home Depot/Citibank customer service, who clarified that there is no such terms. I canceled the card immediately, but I noticed that a hard enquiry was made on my account by Citibank. So I asked Citibank and Home Depot to remove that enquiry and that I would pay the outstanding balance immediately after. Till date, neither Home Depot nor Citibank have removed that hard enquiry, even though they acknowledge their mistake. I have made more than XXXX phone calls, sent them several emails also. They seem happpy to charge me for interests and penalties on a credit card they sold under a false promise. They have not helped me remove the hard enquiry with teh credit bureaus. 

I have never had a bad report on my credit report ever. This is the first time that a credit card company has landed me in trouble with unfair practice. 

I fail to understand what protection a consumer has against unscrupulous sales associates tjat make false promises to customers. In retail stores, when customers are in a rush, when there is a line behind the customers waiting to pay their purchase, it is not easy to scroll down and read the mnutiple pages of terms and conditions on a small XXXX device. 

I would like to have Citibank remove the credit reports on my file., remove the hard enquiry as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: TX
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020.

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 2015-04-30
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I applied for a credit card offer stating that I would receive XXXX bonus miles if I spent {$4000.00} in the XXXX XXXX months. I wanted to confirm that I was indeed eligible to receive the miles so before agreeing to the card, I called and had the confirm over the phone that I was indeed eligible. They stated yes, and I opened the account. I then proceeded to spend {$75.00} in fees to charge {$3600.00} to the account so that I would meet the {$4000.00}. I called to confirm it was {$4000.00} and they stated that I would not receive the offer because I had a previous account in the last XXXX months. As I stated before, I had called to confirm this information before opening the account and they lied to me and said that I was eligible. I am now out {$75.00} dollars, have an open credit card on my credit history and would not have opened this account if I could not receive the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB I am trying to obtain a final modification but several banks have failed to file satisfaction of mortgages and it is having a negative impact on my ability to do so. 

XXXX XXXX XXXX XXXX a company acquired by XXXX in XXXX. I need a satisfaction of mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife and I had a XXXX XXXX card which we have paid off and closed the account. Our payments to the card were via bank drafts, consequently, we unaware that a company had attached itself to our account and was charging monthly, based on our balance. The company is XXXX XXXX in Georgia. For two months, I have called the company and the have lied to us more than once. The owe us {$1000.00}. They have said that a check was mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these checks has ever reaches our mailbox.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I lost myTJX Reward credit that was issued by Synchrony Bank. I have repeatedly told the investigators that the last time I used the card was on XX/XX/2016. Someone apparently found the card and used it to make online purchases at XXXX, XXXX, and TJMaxx. These unauthorized purchases were made from XX/XX/2016 - XX/XX/2016. After the investigation, the investigator 's finding was determined that I benefitted from the reported disouted purchase. I called the bank and inquired how that determination was made. I spoke to someone named XXXX who told me the notes in the file indicated the determination was bases on a purchase I made on XX/XX/2016 at a vendor used in the unauthorized purchases. I felt that explanation was a clear indication that the investigation determination was baseless and without merit. I requested the inquiry to be reinvestigated. XXXX told me that it could not be done as i was not providing any new evidence. However another department will take a look at the matter. The determination was the same. By now I 'm wondering how could this unfair outcome and burden be arbitrarily placed on a customer who brings business to your company. Not only having to pay for this theft but now it is going to be reported to all the Credit Bureau. There must be a way to appropriately rectify this matter. I am really hoping that someone can hold this company accountable for what I believe is predatory and baseless determination on a matter which has not been thoroughly investigated.

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