BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CREDIT CARDS FRAUD OPENED BY SOMEONE FROM A DIFFERENT ADDRESS AND PHONE NUMBER ACCESSING MY PERSONAL INFORMATION SUCH AS SS # .ETC. 
AND ISSUING A CREDIT CARD WITH OUT MY KNOWLEDGE!

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 2016-03-28
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Both my checking, savings, and credit card account was close for no reason. Citibank was the first bank account I ever opened and one day I just received letters saying they have decided to close my account without stating why.

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 2016-12-31
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
This is, in regards, to the unfair practices completed by Best Buy. When a customer makes a 6 months no interest purchase with Best Buy, it may sound like a good deal until ... .We made several payments on the purchase. As a matter of fact, we paid over the amount of the promotional purchase. This is what Best Buy financing company does unbeknownst to customers. They do n't apply the payments to the promotional purchase to reduce the interest or show the promotional purchase as paid off. When I called them about this, they stated, " I had to notify the finance company how I wanted the payments applied. '' My thoughts were I over paid the amount I owed for such purchase, but because there were other purchases on the account they stated the payments were made on those purchases instead of the promotional balance. This unethical practice cost me a lot of money in finance charges. Best Buy tries to purposely squeeze money out of consumers unexpectedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MBA LAW aka XXXX XXXX reported this erroneous debt to my credit reports. This is a debt that I do not owe! This debt was purchased by from another junk debt collector whom was unsuccessful in attempting to collect this alleged debt because of their failure to Validate this debt in accordance with the Fair Debt Collection Practices Act. To add insult to injury, MBA LAW aka XXXX XXXX did not send me a written notice in regards to the alleged debt, and also failed to notify me of my right under the Fair Debt Collection Practices Act to dispute this erroneous debt before inserting it on my credit reports. Failure to properly Validate this debt in accordance with the FDCPA ( which you can't do, I don't owe you anything ) will result in my filing a small claims suit against your company for multiple violations of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22
Company: CITIBANK, N.A.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for CITIGOLD promotion XXXX XX/XX/XXXX to earn XXXX AA miles after completing particular requirements. I completed the requirements timely and received multiple written confirmations that I completed the requirements. Months had past and I was never given the earned promotional miles. Then recently, I noticed I was erroneously given the wrong kind of promotional bonus, citi thank you points. I filed a dispute and now Citi says they will not give me the AA miles, the actual promotion I signed up for, because I was given citi thank you points. To be clear, I do not want and never wanted the Thank you points. I want the XXXX XXXX miles that are rightfully mine and have confirmed to be mine on several occasions. I also want to be refunded {$60.00} in bank fees Citi has charged me while I wait for them to fix their mistakes.

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 2015-04-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
In the month of XXXX, I was unable to make the full payment to my charge account with Goodyear/Citi. I called Goodyear credit which is Citi and attempted to make some type of payment arrangement. This was today, in the late afternoon. The first time I called, Citi disconnected the call when I was in mid-sentence. I called back and asked the representative if the hang-up on the prior call was an accident or intentional. I was told by the representative that they were very busy today but there was no trouble on the lines, that she was aware of. She said we would never hang up on you ; we want to talk to you. Then she proceeded to disconnect the call. I attempted to contact Citi a XXXX time and I had the same results. I gave up since I did not want to become further frustrated. 
I then called a few other places to make sure that it was not my line that was cutting off the phone calls. I had no trouble with any other call, so the problem was initiated by Citi. I was going to just let this go, but the more I thought about it, I became concerned that this is some type of tactic that is used on people that are late on their payments, which should not be allowed. I have currently have an ongoing complaint with CFPB regarding Home Depot which is also Citi.that XXXX blocked me from accessing my account online because I was late. That was followed by blocking a payment I was attempting to make today online. Both of these incidents were verified by their own representatives. Not having enough for the full payment is difficult enough for the consumer, but having to deal with their tricks on top of the original problem is wrong. I would appreciate your checking into this matter. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Other

Complaint:
I am supposed to be covered under XXXX credit card for travel cancellations if something happens. My uncle died and I cancelled my flight and sent them the documents they asked for ; they have done nothing except tell me they ca n't find the paperwork to now, we need more AFTER I left the country and now have no way of proving he 's my uncle, I provided the funeral paperwork I even sent them the cancellation emails from the travel agency it 's disgusting they are being fraudulent I would n't have bought the tickets with that card if they did n't cover it I could have got cheaper tickets and bought coverage elsewhere. What am I supposed to do ask my grieving aunt for her marriage certificate and then how do I prove she 's my aunt? It 's ridiculous and XXXX card benefits said I did n't need all of that??

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 2015-07-06
Company: Green Square Company LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received phone call from XXXX, a company called XXXX regarding an alledged debt I owe to their client. Claiming I owe for a payday loan? I do n't and have n't used any payday loan company ever. Thank you.

Company response to consumer: Closed
Consumer complaint received 2015-07-28
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle back in 2008 and when the economy crashed I lost my job. I tried to keep the car but was not able to. I asked for help from Santander but they would not. I surrender the vehicle back to them. Santander sold the car at an auction for much less than what I owed. I have asked them to remove the balance from my credit but they refuse to and even though I have asked them over and over again the balance still remains. I just tried again and was told by the credit bureau to contact you if they still refuse to help. Let me know what information you me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
My Citibank AAdvantage credit card was cancelled by Citibank in XX/XX/XXXX, for the stated reason : " Canceled at Customer Request ''. I made no such request, and I only became aware of this through my credit report. The card had been active since XXXX and the payment record was excellent. Due to mail forwarding to my temporary address, a replacement card was not be delivered. I initiated a request in late XXXX or in XX/XX/XXXX for another replacement card to be mailed to the correct address. It also never arrived. The only activity on the card over the last year+ ( due to my inability to receive a valid replacement card ), was the {$50.00} annual fee, which I last remitted in XX/XX/XXXX. 

I filed a dispute with a credit reporting agency concerning this. It was " resolved '', merely restating the account was closed at customer request. Today, XX/XX/XXXX, I contacted Citibank for resolution. That was unsuccessful. I was informed that their " system '' would not allow them to reopen the account, and that I could apply for a new card. 

This seems grossly unfair to me for four reasons. First, I never received a valid replacement card despite my request for such, and their assurance I would receive it. Second, the status of the account, i.e. " Canceled at Customer Request '', is inaccurate. I never made such a request. Third, XXXX month after they canceled my account, I received notice that my annual fee was due, causing me to pay an annual fee for a card I was unable to use for more than a year ( their inability to provide a valid replacement card ), and which had already been canceled without my knowledge a month prior to paying the annual fee. Fourth, opening a new account, as the representative suggested, would mean the loss of over 20 years of credit history for this 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 2017-05-10
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a credit account with CONNS APPLIANCES. My payments are due every  XXXX  of the each month. This company transfers my account to the debt collectors the next day I become past due. I receive the first call at  XXXX  and the calls occur through out the day. I have received up to  8  calls in one day. I talked to the manager from that department and I explained that the calls were getting out of hand and that I understood that 's there job but I would of appreciated if they called no more then 3 times a day for the reason that I am at work during   XXXX  - XXXX . I became past due a second time and they started calling me from different phone numbers and I started receiving txt messages and emails explaining that my account was past due this made me feel harassed. My husband gets the same amount of calls from them. They released my account information to him and they told him I was past due. I never put him as a secondary account holder or gave permission to release my account information to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Avant Holding Company, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Avant Credit Cards are a scam They pretend they are sending a card. I never receive the card.After 10 days call them back, they say we will send you another, they never did. I called, emailed, kept telling them they did not send it. They ignored me, and ignored me. I never received the card, it is a non-activated card. They went ahead, and put their annual fee of {$39.00} as a balance owed..on a never received card, never activated. This is unethical. I said I want the account closed ASAP. They replied not until you agree to pay the balance ( {$39.00} fee ) to XXXX balance. I told them I never received the card, you can not charge the annual fee. The scam is never send a card, ignore complaints that never received, so they can charge {$39.00} fee, then insist you must pay it or can not close the account. There are many many complaints on XXXX about other people never getting their cards and told they can't close the account until you pay the {$39.00}. Many complaints just like mine. This is frightening how Avant is allowed to rip off people even with credit score of only XXXX. They generate fake card numbers ... yes they do. That is how they generate the {$39.00} annual fee to make you pay it.Then if we do not pay for a fee on a card never received, they pile up late fees. Its a scam to get XXXX 's of customers to pay them a {$39.00} fee on a card never received, make me and others out to be XXXX. Then hung up on me several times telling them I never received card. Then they send me an email to pay them their annual fee {$39.00}, or late charges will be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Santander Consumer USA Holdings Inc.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Santander Fianancial is guilty of continuing to report fraudulent information on my credit file. I have repeatedly asked them to provide me with the documentation that they used to open this fraudulet account. I have yet to receive anything from them but lies and excuses. They are very rude and unprofessional. They refuse to remove this information in spite of the fact that I have sent them copies of my Identity Theft Application and the police report several times. Please do sometthing about these people who brashly and defiantly abuse victims of ID theft. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
AMEX is not issuing cash back since XXXX 2016. I have spent over {$14000.00} since. 
I called numerous times without success. Last call was made XXXX/XXXX/2016 and I talked to XXXX supervisors and XXXX reps and still nothing it 's been done. XXXX, Sue # XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX # XXXX and XXXX XXXX. I have called numerous times since XX/XX/XXXX explaining that they OWE me money. Each time they open up a case. Each time I talked to someone, no one knows what happens and no one ever leaves notes because I always ask to read the notes and overtime their response is : " I do not see any note '' So I have to start over and over explaining that they are not issuing my CASH BACK. And no one seems to care.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-03
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
miss lead by sells rep during time of purchased vehicle in which ; car was never inspected/ warranty as stated claim by sell rep ; car will not past state inspection for past XXXX, inoperable/ unsafe to drive, excessive cost of repairs $ XXXX, predatory lending with excessive interest rate XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Santander Consumer USA Holdings Inc.
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am writing to you requesting assistance with a continued discrepancy and conflict with a previous creditor. I previously filed a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA with Santander Consumer Finance USA. I made it explicit that it was NOT a request for " verification '' or proof of my mailing address, but a complete competent legal validation of the accuracy of information reported to my credit profile for entries made by Santander Consumer USA at XXXX, XXXX and XXXX. I have not received this validation or a correcting of my credit profile to date. This issue arises from an account I originally initiated with Roadloans.com for an auto loan in XXXX that was subsequently transferred to Santander Consumer USA XX/XX/XXXX. The Roadloans.com account only ever reported to my XXXX credit profile. The date of first delinquency for the account with Roadloans.com was XXXX XXXX. Following a period of delinquency with Roadloans.com from XXXX XXXX to XXXX XXXX the account was transferred to Santander Consumer USA. The account was never brought current and was subsequently charged off by Santander Consumer USA in XXXX. The Roadloans.com account was deleted from my XXXX report XX/XX/XXXX as the seven year reporting period had passed, however the Santander Consumer USA account is still on my credit report. Both entries should have been deleted simultaneously, because they are for the same account with the same terms and payment histories. They share the same date of first delinquency and should, as such, share the same date of deletion from my credit profile. Additionally, Santander Consumer USA has : 1. ) reflected payment activity on the account XX/XX/XXXX to my XXXX credit profile which is completely false ( this was AFTER they had charged off the account ) ; 2. ) reported payment activity XX/XX/XXXX to my XXXX, XXXX and XXXX credit profiles which is completely false ( this was also AFTER they had charged off the account ). It is my belief that they are reporting this inaccurate account in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, by reporting the account with a fictitious payment history and inaccurate information to result in a greater negative impact to my credit scores. 

I am requesting your assistance in getting Santander Consumer USA to immediately delete this tradeline from my credit profile at XXXX, XXXX and XXXX, as the date of first delinquency is past the seven year reporting timeline and the information is inaccurate or incomplete, and they can not verify the accuracy or completeness of the disputed information, as required under FCRA 623 ( 1 ) ( E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
There is a discrepancy between payments and what is owed. The auto dealership contract does not comply with Lender. 

Payment started at {$13000.00} and it has been a year that I have been paying of XXXX/month. I checked my payoff quote and I received {$13000.00}. 
I am paying off another vehicle which i receive da month before purchasing with santander. The payment started at {$30000.00} and our pay off is XXXX. Our payment is XXXX/month. If I am paying half from the other vehicle, My pay off quote should have been reduced to $ XXXX ; not {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Bank of America credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Bank of America aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was " not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX  ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached. 

Thank you

Company response to consumer: Closed with explanation