BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
AARGON COLLECTION AG ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : 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 AARGON COLLECTION AG 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 including : 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 report Please send me a letter explaining what you have done to : AARGON COLLECTION AG 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 request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company that financed my auto loan has charged excessive fees and refused and refuses to waive any late fees. The interest on this loan is excessive as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
Went online to JC Penny to make a payment. The system incorrectly stated I wished to pay {$25.00} vs. my whole balance ( which I clicked ). When I tried to correct, it said you can only do one payment online per day. I then called. When I first got online it asked for account number etc. and social - It paused for a long time and never found my account. Then I called again spoke to an agent who told me it cost {$10.00} to make a payment using her so she will transfer me into the system again. She then transferred me into something that basically put me on hold and never got back to me. Then I called back again trying to make a payment with the automated system on the phone again. At this point, 20+ minutes into this saga, I still can not make this payment. I am now on my XXXX or XXXX attempt to get verified on their IVR - no success to date. So their IVR can not authenticate me, the agent wants {$10.00} to do it with a human, the website wo n't let me fix the issue. 

This is clearly a UDAAP issueI believe this is purposely made difficult for customers to ring up fees and late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Cohn, Goldberg & Deutsch,LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Attempted to collect wrong amount Debt resulted from identity theft Did not receive notice of right to dispute Not enough information to verify debt i.e. amount of debt & name of creditor Did not disclose communication was an attempt to collect a debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I relocated to Tennessee this year and started construction on a new home which was and is my first home. After applying for FHA loans through a few lenders I decided to accept a mortgage with Highlands Mortgage. I was in constant communication with their staff via e-mail and phone. E-mail was the primary. Throughout the process we discussed rates and expectations. We settled on a closing date of Friday, XXXX XXXX and i requested that the final closing be given to me at least 3 business days before close as per the CFPB website. I was given various draft closing disclosures prior to the close that were inaccurate and was told not to worry as they were not final. The lender advised me constantly that these were preliminary and not final. I requested the final closing disclosure numerous times in writing before Friday, XXXX XXXX. On Thursday, XXXX XXXX I had extensive e-mail communications with the lender where i demanded the final figures and was told that they were still working on it. I had a real estate attorney prepared to review the disclosure to make sure that all was in order. The lender sent me the final closing disclosure at XXXX XXXX on Thursday, XXXX XXXX when the closing was at XXXX XXXX the next day. I had less than 12 hours with no sleep from packing to review and could not get them to a professional to review. My apartment was packed and I had to proceed after using the tools on the CFPB website to make sure that all was in order which it was not as after the close the lender and the closing agent called and e-mailed me to amend the documents a few weeks after the close. When i advised them that I needed time to review then changes they were proposing they threatened to pull back the loan on the house if I did not move quickly to execute the updated closing documents. I have all these communications and exchanges in writing since i would not take phone calls anymore due to the threats. Lastly my wife signed documents with me at the close although i 'm the only XXXX on the note. She was supposed to be quick claimed to the deed so that we are both on the deed. I have called the town twice to get a copy of the deed and I am the only XXXX on the deed. i have followed up with the lender and closing agent in writing three times and they will not respond nor take action to correct the deed as agreed upon

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: Aldridge Pite, LLP
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX Is creditor, " not '' XXXX XXXX XXXX XXXX, XXXX doing business as XXXX XXXX. As of XXXX 2014, when XXXX XXXX XXXX SOLD THE LOAN to XXXX XXXX SERVICES called LOAN POOLS! XXXX POOLS WERE ACCUIRED BY XXXX XXXX XXXX XXXX " NO " LETTER OF TRANSFER " HAS BEEN RECEIVED FROM XXXX XXXX XXXX XXXX. 
AND FEDERAL LAW STATES THAT : " A LETTER OF TRANSFER IS A REQUIREMENT ". I DISPUTE AND DO NOT AGREE WITH ANYTHING!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: TekCollect Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I requested that the collections agency in question cease contacting me between the hours of XXXX and XXXX as I work during those hours, and it is disruptive to my work. 

I verbally requested this when I spoke with the company representative on XXXX/XXXX/2016. 

This morning, at XXXX I received another call from the company despite my request to cease contacting me during work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/XXXX I applied and was approved for a Citi AT & T Access more card, it came with a bonus offer of a free att phone ( {$650.00} ) worth if you spent {$2000.00} in 3 months, which I did. I did not use the offer immediately because the terms and conditions of the offer listed no expiration date. I called in on XX/XX/XXXX to check if the offer was still attached to my account and the lady said that it has expired. I then rechecked all the terms to make sure. Multiple calls and chats led nowhere, no offer to redo the spending requirement ( which I am willing to do ), no offer to fix the expiration problem.

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 2016-12-03
Company: CITIBANK, N.A.
State: TX
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 sent in the payment that was due for the month. The payment contained a little extra with a note, " apply excess to Loan XXXX. '' Instead of applying the amount due to each separate loan and the extra to this specific loan, it applied it all to Loan XXXX. We received calls saying that it was past due and asking to collect. When asked the last payment they could see that it was improperly applied. We were then told to change where we sent the money and to add the -XXXX at the end of the payment so that it would be applied to all. The -XXXX has already been added as requested earlier as this has happened exactly the same way for the last 5 months. We had been told to send it to the Exceptions Center and that this should solve the problem. We have been doing that. We are now being told that we should send it the regular processing center with -XXXX and that should solve the problem. Yet, we already send it with -XXXX and it is still not processed appropriately. This has been a recurring problem since XXXX 's payment was mis-applied. The same thing has occurred each month since. We get multiple collections calls asking us to pay for what has already been paid and that Citibank has been unable to process correctly. When speaking with representatives they give contradicting advice to solve the problem. We have spoken with someone who stated they would make sure the check was applied correctly after we filed a complain previously, and yet that was never done for that month. Even after following what she told us to do to do, the problem continues. We feel harassed. We get the calls on Saturdays, Sundays, and holidays. Several times the representatives have refused to speak to those authorized on the account and asked for personal information that was not necessary to give over the phone. The most recent representative who called to collect was respectful and did try to help. His information did contradict what was given previously. It seems as if they would prefer us to not pay extra to solve the problem. We understand we can only pay a little extra now, and yet do not want to be penalized for paying extra.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, I made a purchase from " XXXX ''. The company 's website clearly indicated that the item would be shipped within 5 days. However, I reached out for a status update on XX/XX/XXXX, via email and XXXX ( per website contact method ) and by email again, on the XXXX, but never received a return response. 

Also, the product that I received, appeared to have been used. Upon arrival, all four corners of the box were mashed in and deeply scratched beyond the surface and deep scarring appeared along the edges of the box as well. There were multiple layers of packaging tape, that had turned yellow, which indicates age & that the box had possibly been re-sealed due to multiple returns. I understand that mild damage is to be expected during shipping but the type of damage described is indicative of extensive wear & tear, over a period of time, not from a one time transaction. The item that I purchased was for an inflatable life raft. So, for obvious reasons, I am not comfortable in accepting a second hand product in which safety checks have not been conducted, directly by the manufacturer, resulting in potentially fatal consequences for myself and my family. 

I tried twice, to resolve this issue with my credit card company by submitting complete and detailed documentation to support the dispute that I'd filed. The merchant responded to the dispute by forwarding a copy of the transaction and other random, meaningless pages that did not address the issues of my complaint. Afterwards, I received a letter from my credit card company stating that I did not furnish sufficient information to support my dispute, therefore, my case was being closed and I was advised to circle back to the merchant for further resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: Health Services Asset Management, LLC.
State: AK
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 have requested removal of an item from my credit report. The creditor removed it from my XXXX credit report correctly, but has not and will not remove the same account from my XXXX credit report. I 'm asking that the creditor please remove this deragatory mark from my XXXX report as well. The company is Health Services. This information posted on XXXX is incorrect and should be removed as it was removed accurately from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CITIBANK, N.A.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Applied to Citimortgage for loan modification on an existing mortgage. Filled out all necessary paperwork and provided all information as requested. 
I was first told that all the documents I sent were " lost '' - even though they previously confirmed in an email that they had received them and they were being reviewed! 
Did not hear back for weeks and was finally sent an email stating that " because of recent personnel changes, we 've assigned you a different homeowner support specialist. This transition will be seamless and will not cause any delays to the processing of your mortgage assistance application. " This has happened XXXX times and each time I receive the notice that I 've been assigned a " different homeowner support specialist '', by the time I hear back from my new " homeowner support specialist '', I am told that all or some of the information they have requested ( that I provided ) has to be resent due to the fact that it 's out of date. 
I spoke to each specialist and voiced my concern about this stonewalling tactic but the matter has not been resolved and I continue to get applications for assistance sent via XXXX. 
The bank has no intention of providing a loan modification and has no acted in good faith. 
And based on other similar complaints that I have read online, this is an intentional practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was XXXX for Military purposes and used the CITI card that was issued to me. I stayed at the assigned hotel for the period of time that we reserved the room for. We departed as planned. The hotel charged us for an extra day 's stay, claiming that " someone was occupying the room ''. We first tried to consult with the hotel manager, but could not make progress. We filed a dispute with the credit card company a month after the dispute ( XX/XX/XXXX ) and waited for resolution. I continually checked their Online account they have set up for me, and the status of the dispute never changed from a pending-status. I tracked this status for the next month and it never changed status. I called their toll-free number in early XX/XX/XXXX and they stated they do not handle disputes and that I would have to receive a call-back from a claims examiner. Several days passed with no call. I called back and they repeated that they can not provide me with any service related to disputes and that it is handled by a different branch that you can only have them call you back. I demanded that I would stay on the phone until they connected me. They terminated the call. A few hours later, I was called back, and they stated that they had sent me a letter some time in the past asking for details of the dispute. I advised them that I did not receive any letter. They could not confirm delivery. I asked why they did not change the status, use the message-center on the web portal, call me, or email me. They responded that it was not their policy, and they did not have to. They advised me that the claim was closed and there was nothing that could be done. I mentioned that the website stated that it was not closed, and that was misleading. I was then told that since it was a reservation made through the XXXX XXXX XXXX website, they did not have to handle disputes. I advised them that federal law still applies to them. This sort of back and forth continued for some time. In the end, they stated that they did not have to handle disputes, and that XXXX would have to handle them. I believe this is incorrect. I also believe they are supposed to notify you properly about the dispute process. I do not believe they did so.

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 2016-12-22
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a mens ring online for {$600.00} from a company in New York XXXX named XXXX. I used my Citibank XXXX credit card. The ring would take 3 weeks to make, so I did some research and investigating about this company with XXXX and online reviews from previous customers. I was SHOCKED and HORRIFIED by what I read by the terrible and negative experiences customers reported. I immediately tried to reach out to the merchant by phone. I tried on different occasions to cancel the order, but I could not get a hold of them. ( mailbox full, non-working number, disconnected number ) Meanwhile, they send the ring without a tracking number by USPS. Based on their reviews and history, I decided to REFUSE the package XXXX. The mailman marked it " refused '' in his meter tablet, and it was returned to New York to the merchant. They received it, but are lying and said they did n't. I know for a fact they did. Meanwhile, Citibank bought into their lies, and reversed the temporary credit of {$600.00} I complied with all of Citibanks rules, and faxed them XXXX singed affidavid 's and a detailed letter explaining the circumstances. When I call Citibank to sort this out, I reach a call center in the XXXX. Then the girl has to transfer to the billing department in the states to some rude person who is not familiar with the dispute case number and tells me that a supervisor will call me. ( which they never do ) I have gone through this scenario a minimum of 10 times without any result. Citibank still refused to credit back the charges for merchandise that I do not have. I am reaching out to you because I am frustrated and sick over this. The dispute number is XXXX. My name is XXXX XXXX XXXX, and I am the authorized card holder. My telephone number is ( ( XXXX XXXX XXXX. As of today, I am out {$600.00}. Please contact them and try to get this matter sorted out. Thank you Sincerely, XXXX XXXX XXXX XXXX. I am a XXXX XXXX XXXX XXXX XXXX veteran.

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 2016-03-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card with Macy 's. I used it several times XXXX to purchase some dresses. I paid it off. Then I used it again at XXXX time, and I did n't think anything of it, but my statement arrived after the due date. I called and they reversed the late fee. It happened again in XX/XX/XXXX, and XX/XX/XXXX, and again in XX/XX/XXXX, in fact I just received my XX/XX/XXXX statement 1 week ago. I paid the balance off but I refused to pay the {$21.00} late fee. They stated they can only give XXXX-XXXX per 12 months, and they already gave me XXXX reversals. I said I do n't know if Macy 's is sending out statements late, in order to " collect late fees '' and that 's how they make their money! or if it my wonderful USPS in NJ.!! but in any case I still have not received my XX/XX/XXXX statement as of yet, and we only have a few days before it is due. I do not have online statements because of being hacked, and identity theft in prior years. I keep as much security as possible.

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 2016-02-04
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have had a citi credit card for years. In XX/XX/XXXX I discovered fraudulent charges. I immediate notified citi and had my card closed anda new card issued. One place it was used fraudulently was XXXX. After I recieved my new card I saw XXXX bill me again and again the next month. I contacted citi and disputed the charges and was credited back. I was told closing my new card and getting a new one will not help. I ca n't get them to stop XXXX from billing me. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other

Complaint:
I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.

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