BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for BK in XXXX 2012, but I decided I did n't need to go through with it! Experian refuses to remove this item! I have disputed it two times! They keep telling me it was discharged and it clearly was dismissed, it says that on their own report on me! Please help!

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 2016-01-30
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sirs, I have been a patient of the XXXX XXXX, and i have found them to be engaged in an ongoing pattern of misleading and deceptive business practices. Prior to each and every medical procedure, I asked the medical secretary as to whether there was any copay/deductible for that procedure. The answer was the same every time .... '' nothing. Upon exiting the medical office I did not receive a statement as to what the medical insurance would be billed. I then received a bill from the billing department for {$3800.00}!!!! Eventually this was turned over to a collection agency with threats of legal action!!! This is inherently unfair and deceptive, for which the XXXX XXXX should be sanctioned, fined and reprimanded. There was, and still is NO XXXX XXXX XXXX in the patient protocol at the XXXX XXXX!!! ... ..I believe it is a basic right of any patient to know what a procedure is going to cost ... before the procedure is DONE!!!! Furthermore the XXXX XXXX could probably give an approximate guess as to medical coverage. Sincerely, XXXX XXXX XXXX e-mail : XXXXXXXXXXXX

Company response to consumer: Closed
Consumer complaint received 2016-07-13
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied and opened a Citi Gold Checking Account that awards XXXX XXXX XXXX miles upon opening. After opening the account in XX/XX/XXXX I wrote to them to ensure that I would be receiving my miles. They told me that I would receive them on XXXX XXXX or shortly after. It has been over two weeks since the promised miles were supposed to be credited and they are still no there. After calling Citi they told me they had to do additional investigation despite me showing them the letter they wrote me telling me that I would receive the miles. Meanwhile they seem to always been on time when charging me the $ XXXX monthly fee on the account. No investigations needed as to whether they get my money, just when they owe me something. After googling this I have found countless others that have complained about Citi not paying them.

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.
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing my money.

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 2016-12-25
Company: Receivables Management Corporation of America
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I ordered a shaver from a wesite called XXXX, basically the seller is XXXX. XXXX XXXX I used my debit card to make the purchase for {$54.00}. The seller used XXXX to make the delivery, as incompetent as XXXX is, they failed to follow simple directions on just basically to contact me to buzz them inside my building to gain access. Of course they failed to do so. I 've been asking for a refund for over 12 days now just going back and forth with these people. I do n't know what else to do. I do n't normally do this but im asking for help here. The seller which is XXXX of XXXX 's webits is saying we will issue you a refund once the item is returned from XXXX. I never received the item, XXXX has the item, what if it doesnt get returned for months, what if its lost, why am I waiting for this, why am I out almost {$55.00} because someone failed to do their job. This is unreasonable, and I 've been demanding for a refund for over 12 days now through phone calls and emails, please help me!! I do n't know how many people they are doing this too, its sad honestly, I hope no one goes through what I have, I 've lost countless hours on this, its not about the money anymore honestly, its about principle here and doing things right in an ethical manner.

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 2017-03-15
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
XXXX private student loans were taken out on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. No payment was ever made on the account, so it immediately went into default as of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per the loan agreements, the first payment is to be made 60 days from separation from the school. I dropped the classes the first week they started. Essentially at this point the loans are out of the statute of limitations. Because they sold the debt to a different company in XXXX they are deeming that to be a payment. This should no longer be on my credit profiles, and I have wrote numerous letters. The collection agencies took it off of my credit when I provided them with the validation of the contract, but the original credit is still reporting derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I mailed a letter requesting an investigation of inaccurate accounts found on my credit report. It has been almost two months and I still haven't received any results of an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: Green Square Company LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have received several calls on my cell phone and at my work number from XXXX, with messages stating that a complaint has been filed with their company, Premier Recovery Group, under my name and social security number. I returned the call, using my personal cell phone, at XXXX XXXX. on Thursday, XXXX/XXXX/2015. I spoke with XXXX XXXX XXXX. I asked for a debt validation letter be sent to my home address, and I told her that they are not to contact me at work. XXXX XXXX said, " We 'll continue to contact you as long as you owe this debt. '' Then, XXXX XXXX hung up on me. I received another call today, Friday, XXXX XXXX, 2015, at XXXX XXXX from the same XXXX number, with the same message, at work, even though I instructed XXXX XXXX the day before not to contact me at work.

Company response to consumer: Closed
Consumer complaint received 2016-03-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I would like to report unprecedented behavior and lock of understanding customer needs and unwillingness to help by the CitiBank. 
For years to login and conduct any online services through my business accounts, and I have XXXX business accounts, we were using the web site : XXXX with providing user name, password and randomly generated number with the token Citibank provided for each account. 
Over the year ago, Citibank made changes how customers are accessing their personal and business accounts, providing new web site : XXXX and eliminating electronic tokens to login to business account. 
I never knew that by using new web site and new rules to logins to my business accounts this will generate all online transaction, especially wires, as funds coming from me personal name and not from my business name. 
On XXXX XXXX, 2016, following the bank instructions, I sent wire to my XXXX company in the amount of {$7500.00}. Next day I receive a call from XXXX confirming that they received a wire, but they were confused who is " XXXX XXXX '', as this name appeared in the wire as sender. 
I immediately contacted the Citibank to send an adjustments to the wire, but my request was not processed. They recommended to send fund return request, and then send new wire already using the new token they provided to me. 
Unfortunately, because of the delay, funds were deposited to the wrong type account in XXXX, and XXXX XXXX refused return the money. 
All my following calls and visits to the Citibank offices did not resolved anything. They were refusing, or did not know how to contact Ukrainian bank with the simple notes that sender of this wire was the business and not the person, and refused to credit my account for lost funds of {$7500.00}. 
I have tree shipment with equipment already on the way to XXXX, and those funds were to cover our customs fees we have to pay at arriving of our cargo. XXXX and customs services does not know my name as the entity sending this equipment, they do know my business entity name of my company. 
I 'm requesting Citibank immediate credit my account in the amount of {$7500.00}, and deal with XXXX to return funds back. 
I was following Citibank instructions for online transactions and can not be hold as a hostage by the both banks to receive my money back. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2015-05-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Payoff process

Complaint:
Have a best buy credit card, use there 24 months same as cash, the past 23 months paid XXXX in minimum payments, plus an extra XXXX towards outstanding balances, only XXXX has be applied toward the same as cash balance. 
Feel, I 'm being taken advantage of buy best buy credit services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC offered a {$470.00} bonus when opening a new Premier checking account and making recurring direct deposits totaling at least {$5000.00} for three consecutive months from the second full calendar month after account opening. 

I completed these requirements and received no bonus. I contacted HSBC directly via online messaging and received the following response : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear <redacted> : Thank you for being a valued Premier customer and thank you for contacting HSBC Bank USA, N.A. 

We understand your concern with this situation. 

Upon review, we show the research into your eligibility for the promotion has been completed. We apologize but after review, we show you are not eligible to receive the promotion. The reason for this, is due to your account not being opened through the campaign landing page. 

If you have proof that your account was opened through this page, please reach out to us either via XXXX XXXX or by calling our Premier Customer Service line at XXXX ( internationally at XXXX ) to provide this information. We can then reopen the investigation into your eligibility. 

If you have any further questions or concerns, please don't hesitate to contact us. 

For additional information on the products and services HSBC Bank offers, please visit us at HSBCPREMIERUSA.com HSBC has launched a new messaging channel for XXXX users! Messaging through your XXXX app is available at your convenience. It allows you to pause the conversation when needed and easily pick up where you left off. Try out the new feature www.us.hsbc.com/abc. We look forward to servicing your banking needs! 

Thank you, HSBC Bank Mail Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Really disappointed in HSBC and this shady tactic considering the only way to apply for the offer is to click an Apply Now link directly on the offer page.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: CITIBANK, N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I bought our primary home with a mortgage from CitiMortgage in 2012, the investor on the mortgage is XXXX. We have been upto date on our monthly payments all along and have excellent credit profiles overall. The account is in very good standing right now. 

Recently we requested Citi to cancel PMI on the mortgage and an appraisal was performed, that showed the property had appraised a little. Based on the appraisal, we made a one-time additional payment of {$13000.00}, to bring the LTV to just below 80 % of the home value. Citi responded to us stating the investor rules on PMI require the LTV to be 75 %. When we appealed why PMI ca n't be cancelled with LTV at 80 %, they advised us to talk to XXXX. XXXX stated their rules require the loan to be XXXX years old, for PMI cancellation at 80 % LTV. 

Our understanding of federal rules on PMI, from consumerfinance.gov does n't require the loan to be XXXX years or older. Hence we 'd like to submit a complain, seeking help from the CFPB to help resolve the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX/XXXX/15 I was on XXXX XXXX XXXX XXXX ) booking XXXX airplane tickets. At the end of the process, during check out, CitiCard offered a AA branded credit card with numerous incentives XXXX miles, status, extra points, etc. ) if I applied and used it to pay for my tickets ( ~ {$9000.00}. ) Weighing the benefits vs. carrying another credit card - and another inquiry into my account while I 'm in the midst of moving and having to buy a new house - I went thru the process. 

I got approved and the person on the phone told me I was to get a {$17000.00} credit line. 

I used that to buy my tickets. This morning XXXX/XXXX/15 I checked my email and XXXX for receipts. Nothing. So I call XXXX and find out CitiBank is declining my card. I call CitiBank and they say it should n't decline. We try again. I call back Citibank they now say that I only get temporary {$3500.00} amount. I tell them no one has told me this until my now XXXX call and that I would never have applied nor hit my credit score if this was the truth as I can no longer get any of the incentives. So, I ask them to cancel the application - because if as they say it is just a temp account - then lets not move forward. They refuse. They tell me I have to let the application go thru and then wait to physically get the cards and then cancel. 

I ask to speak to a supervisor XXXX XXXX XXXX - she also refuses to either let the charge go thru or to cancel the account. I ask if there is someone more senior - she refuses. I ask if they can give me the name of their customer service head - she refuses. Any information I ask for she refuses. 

Ultimately this is a very deceptive practice that will impact my credit score/record. Not to mention CitiBank 's total lack of desire to help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a loan with XXXX, I entered a forbearance agreement with XXXX and they sold the loan to penny mac. 3 days later, once the loan was transferred to penny mac they told me my only option was foreclosure or short sale. I explained to them i had a forbearance agreement but they said they had no record of it and would n't honor it. I have done a cfpb complaint on both companies and have proven there was a agreement and that penny mac committed fraud and unfair lending practices and I did a deed in leau because i was promised the late payments would be removed and i 'd owe nothing. when i did the deed in leau i cited the reason for hardship was that XXXX did n't honor the forbearance agreement. Had XXXX honored my agreement with XXXX I would n't of had late payments and would still own my house. I 've asked all XXXX credit reporting agencies to remove any information from XXXX but they refuse to do so. and i want a neutral party to investigate my situation fully. thank you.

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 2016-04-07
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check XXXX XXXX, 2016 at an ATM at Citibank in XXXX CA. The check was my husband 's payroll check and less than {$5000.00}. The bank placed a hold on the check. My checking account was not overdrafted. I have overdraft protection. I have been banking with Citibank over 20 years. On Monday night when I called I asked what had happened and Citibank could not tell me nor would the funds be released. To my knowledge the funds have not been released. When I called on Monday night Citibank told me the check that I deposited had not been sent to them from the branch.

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