BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-21
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
I had an XXXX card with XXXX. The account was placed with Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX for collection. In XXXX 2016 I agreed to a settlement of XXXX monthly payments commencing XXXX XXXX, and ending XXXX XXXX, 2016. After the final payment was made I have continually asked for a payment in full letter, which I can not receive. The account is still listed on my credit report as having an outstanding balance and has affected my credit for purchasing a home. I just want them to acknowledge payment in full and send me the satisfaction letter, and report to the appropriate credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.

Company response to consumer: Closed
Consumer complaint received 2015-06-08
Company: AMA Advisors, LLC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
There was lack of communication from the lender, HomeBridge, and the Buyer and Seller involved in the deal. The lender kept pushing back the closing when they told us it could be done in 30 days. There were just excuses and really no concrete reason for the delay. At first it was because of the buyer 's verification of rent ; but, it was a simple needing the buyer to sign a release form to allow the rental agency to send the documents to the lender. After that I do n't know what the reason was for a 2 week delay in closing. It was a lot of simple mistakes and not owning the issue. Luckily we closed ; but, there was a lot of unnecessary drama involved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CITIBANK, N.A.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently completed a short sale of my previous home. I had XXXX mortgages on the property. The primary mortgage was completely paid off and the second mortgage received a portion of the remaining balance. I thought the sale went through appropriately and we coordinated with the lenders to make sure they would accept the terms. After the sale everything appeared to be processed correctly ; however, I was recently notified that the second mortgage lender ( Citibank ) is suing me for the remaining balance. This is extremely upsetting because prior to the sale Citibank provided a letter stating they were accepting of the terms and waives their right to pursue deficiency judgement against me. I am now in shock and nervous about what to do. I thought we did everything per the book and now I 'm in this mess. Any help would be appreciated!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2016, I opened a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account. 

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

I confirmed with Citi on Multiple occasions ( XXXX, XXXX, XXXX ) that I fulfilled all terms of the offer and to expect my bonus. 

Despite meeting all requirements to receive my bonus, the Citibank refused to honor their end of the agreement. I had to file a complaint before they re-evaluated the situation and finally agreed to honor the initial offer. I was told on XXXX XXXX that I would have to wait 60 days to receive the offer. Today is XXXX XXXX and I still have n't received any points into my XXXX XXXX account. 

I filed another complaint earlier this month/late last month because I suspected that Citibank would fail to honor their agreement. This is exactly what happened. I still do n't have the miles promised to me. 

I ask that Citi credit my account immediately. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. 

THE NEW JERSEY CONSUMER FRAUD ACT : If a jury or a court determines that a party has committed an act of consumer fraud, then that party must pay three times ( 3X ) the amount of damages awarded to the other party. ( N.J.S. XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,

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 2022-11-16
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX  XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) Paid balance in full XX/XX/XXXX and still showing in my XXXX and Experian. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2016-11-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Rewards

Complaint:
Hi, I hold the Citi XXXX Credit Card. As per the card features stated on the company 's website I am supposed to XXXX 5 XXXX loyalty points for every XXXX that I will spend on airline tickets directly with the airline. I spend XXXX ( as XXXX separate transactions of XXXX XXXX and XXXX XXXX ) on buying air tickets with a XXXX based airline called XXXX directly through their website. Citi is refusing to credit me the required points for this transaction at a rate of XXXX points per XXXX spent and is instead awarding me only XXXX points per XXXX spent. When I inquired they are saying that the airline has not classified its business under the correct airline code so they can not give me any bonus points even though they know that the spent was done at an airline. This is really unfair because I as a consumer can never know which business has classified themselves as an airline or otherwise. All I know is that I am spending the money at an airline and I should be rewarded XXXX bonus points for the spent done with them in line with the promise that Citi made to be at the time of selling the product to 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 non-monetary relief
Consumer complaint received 2016-01-26
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. 

We have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. 

Until we receive the report, collection procedures will continue and you will be held responsible for the loan. 

If you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. 

CashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: CITIBANK, N.A.
State: WI
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I had purchased a set of 4 Good Year tires for my car from XXXX dealership in XXXX WI. At the time XXXX or XXXX was offering a {$100.00} rebate for the purchase of a set of tires. Good Year was also offering an {$20.00} rebate for the particular tire I purchased. The same rebate would have been {$40.00} if I had used a Good Year credit card to pay for the tires. XXXX XXXX XXXX XXXX XXXX purchased a prepaid credit card from Citi to put this {$100.00} rebate on. Good Year had also purchased a Citi prepaid card for {$20.00}. After receiving the cards I had misplaced them and thought they were lost. I could n't report them lost to Citi because I did not have the card numbers. I found the cards a week or so ago but they had expired. I contacted the Citi number on the back of the card and was told that the entire money balance on the card was forfeited to the bank on the expiration date. They refused to extend the expiration date or issue a replacement card. I was told that a lost card had to be reported within 60 days. The card purchased by Good Year had expired XXXX so I was reporting within 60 days of expiration and they still refused to issue a replacement for that card.

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 2015-10-01
Company: CITIBANK, N.A.
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I want to close my Sears credit account. I called the number on the card and spoke to " XXXX '' - no last name or ID number. She refused to cancel the account because I could not provide the phone number we had years ago when we opened the account - and I do n't remember what it was. I was able to provide all other verifying information, and offered other verification as well. She insisted that she could not close the account. I asked to be transferred to a supervisor. She told me that no supervisor would be willing to talk to me. I insisted, she put me on hold for over XXXX minutes. When she came back she transferred me to " XXXX '', ID " XXXX '', who said she was a supervisor. XXXX asked the exact same questions, and then refused to close the account because I could not provide the phone number originally used in opening the account. Again, I offered other verification but it was refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-29
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a Macy 's department store credit card for many years. When we moved locations, there was no Macys store. We put the cards in a file to store. We sent a letter to all creditors stating the address change in XX/XX/XXXX. We had the USPS change forward our mail to our new address in XX/XX/XXXX. We were listed in the phone book correctly. 
While on a trip to an area with a Macys, I bought some candy. I was asked by the clerk if I had a Macys card for a discount on the candy. I told her I did n't have it with me and she said she would look it up and charge it. I said okay. This was XX/XX/XXXX. 

I never received a statement, a phone call, a letter or anything reminding me I owed Macys 's {$35.00}. Not until XX/XX/XXXX, after a security breach at a business, where I checked my credit reports, which I do about once a year. I saw that Macy 's indicated I was owing them {$45.00} total and the account was Charged Off. I immediately made contact, paid the full balance, explained the situation, was told to send a letter explaining the circumstances, and requested my account be reactivated. I was a great customer in the past, had a perfect credit history, and a near perfect credit score. However, Macy 's had decided to hold fast and totally ruin my credit rating, score and personal character. This is affecting my insurance rating, my credit worthiness, etc. All for a measly {$45.00}. They simply do n't value a customer.

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 2023-02-03
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been dealing with this for a long as I started looking at my credit since XXXX. My mother had the same name as me. Her information always came on my report. Her past employment. Addresses. Social security numbers and collections. Every time I dispute it they delete and the next day another thing of hers is on my report again. I sent out letters and my picture ID 2 weeks ago to all bureaus and lexis nexus. Yesterday XX/XX/XXXX after I disputed addresses that belonged to her and her married name showed up on my reports. This morning my report updated that my oldest account was XXXX XXXX XXXX an education loan taken out in XXXX. I was born XXXX. Every time they delete something it comes back. I was denied a mortgage loan because it's a mess. I filed for identity theft end of XX/XX/XXXX. I put fraud alerts on my reports. XXXX I sent pictures of my social security and license to XXXX. It just keeps happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX I signed up for a CitiGold checking account. The terms of the offer under which I signed up indicated that XXXX XXXX XXXX frequent flier miles would be given after meeting the specified criteria. On XXXX XXXX I obtained written confirmation from a Citi representative that the offer was attached to my account. On XXXX XXXX I obtained written confirmation that I had met all critieria and the bonus miles would be added to my account by XXXX XXXX. On XXXX XXXX after not receiving the miles, Citi is trying to go back on their word and is not planning to issue these miles. I have attempted to escalate the issue to a manager at Citi with no success.

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 2015-07-06
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Wellsfargo and I was charged an overdraft fee of {$35.00}. 
First all of my bank accounts have a savings connected to it for overdraft protection, which the representative claims was not active. I check my balance DAILY and on the XXXX, XXXX and XXXX I did not show a negative balance of any. 
Suddenly XXXX XXXX I get an email stating I am being charged {$35.00} for an overdraft fee. As I am going through the postings.. .transaction that showed pending XXXX the XXXX were suddenly showing posted as of XXXX the XXXX. I want this overdraft reversed as it is completely wrongly charged.

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 2015-12-31
Company: Stenger & Stenger, P.C
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX 2015, I received a court summons from Stenger & Stenger for a debt. I responded via certified mail within the XXXX time frame asking for proof of the debt and for more information. I received no response. The week of XXXX, XXXX/XXXX/15 I believe it was, I received another court document from Stenger & Stenger asking for a motion of default judgement against me. I was never contacted by XXXX XXXX, their client, nor was I ever contacted by Stenger & Stenger before receiving a court notice in XXXX. I have called multiple times and asked for the person named in the documents and he is never available. I have never even been given the opportunity to try and settle this claim. No reasonable offer has been made. There has been no communication other than XXXX court notices. I wish to avoid court if at all possible by I have never been contacted to try and work anything out. How can you threaten someone like this? Most companies send multiple letters or correspondence trying to resolve their issues before taking things to this level. I do not understand how people can do business in this manner. I looked up XXXX XXXX and they have numerous consumer complaints against them for collection efforts. Is this why they felt the need to send a law firm after me? If this debt is in fact valid, I would like nothing more than to come to a fair solution for both sides. All I 'm asking for is communication besides being threatened with court notices. Ca n't this be settled in a civilized manner?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have contacted CFPB multiple times regarding the status of my matter, the representatives all follow the same telephonic script. When I ask the representatives where all the Ocwen collected fine fees go, the representatives all refuse tell me and end the conversation. 

Well this explains most of it? 
Monday on XXXX 's " Mornings With XXXX, '' the author of " XXXX, '' XXXX, discussed a new report from the Government Accountability Institute ( GAI ) that found the Obama administration 's Department of Justice has been directing fines levied on major banks to fund leftist groups. 
Partial transcript as follows : XXXX : Let me ask you about another exclusive report we want to get to. When banks are sued by the Justice Department -- we know right now that the department is trying to get upwards of XXXX dollars from XXXX. We do n't know what that a number is ultimately going to be. Where does that money go? Does it allegedly help fund political nonprofit groups? Because this is what the Government Accountability Institute is saying, and we 've got this exclusive report. 
XXXX Yes, that is right, XXXX, we 've got a report coming out today. Anybody can get it -- XXXX. What we looked at is what the Obama Department of Justice has done when they have gone after banks, whether is was related to mortgage-backed securities or lending practices going back to the XX/XX/2008 financial crisis, and what you find is that a lot of money is not actually going to pay the victims. That money is being steered by the Department of Justice to fund progressive liberal organizations. More than XXXX dollars worth. And that money is being steered toward political activism. And in fact, the Department of Justice giving these large financial institutions, which have allegedly you know, conducted in bad behavior, they are giving them a XXXX dollar to XXXX discount. If they will give a dollar to a progressive organization, that wipes XXXX dollars off the slate in terms of what they owe federal government as related to their financial activities. So this is a massive problem. It shows that a lot of activities -- the Department of Justice under President Obama -- has not been about actual making the victims whole as it relates to these financial activities, but actually funding left wing groups. 

I will bring all you dirt bags down who have committed fraud against me. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: ALLY FINANCIAL INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited a check for {$1400.00} into my account on XX/XX/XXXX. Due to my account going negative back in XX/XX/XXXX they are placing a 5 day hold on any check deposited into my account until XX/XX/XXXX. When I paid my mortgage, the funds were not to pull from my account until XX/XX/XXXX, however due to a typo, the funds withdrew on XX/XX/XXXX causing my account to go negative again. By Ally having the additional hold on the check that I deposited, it is causing me an additional hardship and exra 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