BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-16
Company: Meridian Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.

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 2017-02-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a continuing issue with Citibank. My original complaint # XXXX was disputed numerous times and closed without any resolution. Now I continue to receive collection notices from Citibank. The first Collection Agency was the XXXX XXXX XXXX which I sent a letter to on XXXX/XXXX/2017, disputed the account with and notified the credit agency that I was a victim of identity theft. I was told they would not contact me again. Then, Citibank changed the Collection Agency to a different company named XXXX XXXX XXXX XXXX to continue harassment regarding the identity theft. Then when I disputed the file again with Citibank, I was sent a letter that stated " So we can continue our investigation, please provide the following : The enclosed Declaration of Fraudulent Charges completed and signed by you and anyone authorized to use this card. If we do not receive a response from you within 15 days from the date of this letter we will complete our investigation with the information available. The letter is dated XXXX XXXX, 2017, today is XXXX XXXX, 2017. THERE IS NO DECLARATION OF FRAUDULENT CHARGES ENCLOSED IN THE ENVELOPE TO RESPOND TO AND NO PHONE NUMBER GIVEN. I just confirmed with CFPB at XXXX that the account has already been closed. The deceitful practices of Citibank must be stopped. HOW ARE YOU SUPPOSED TO RESPOND WITH NO DOCUMENTATION ENCLOSED TO RESPOND TO. ALSO, CITIBANK PUT THE IDENTITY THEFT ACCOUNTS IN COLLECTION WITH XXXX AFTER I REQUESTED THEM BY MAIL AND PHONE THAT I AM A VICTIM OF IDENTITY THEFT AND AFTER I DISPUTED WITH THE COLLECTION COMPANY INFORMING THEM I WAS A VICTIM OF IDENTITY THEFT, I WAS TOLD THEY WOULD NOT CONTACT ME ANYMORE. CITIBANK THEN, CHANGED COLLECTION AGENCIES TO 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 2017-02-06
Company: CITIBANK, N.A.
State: FM
Product: Credit card
Issue: Billing statement

Complaint:
I brought item in XX/XX/2016 from macys and within few days I return the item, however at the time of purchase they stated the charge would be placed on the club promotion plan that offers XXXX months interest free. when I made the return the person did not placed the returned on the promotional plan only on the revolving account. I have called many times regarding the issue but its hard to communicate with the representative but they are all in XXXX, when I ask to speak with account XXXX in united states I keep getting routed to XXXX. I have filed a complaint before regarding the same issue and they stated it was resolved. but looking at my statements the issue was not resolved I been getting for promotional balances also looking at the statement I also been charged interest rate charges for return items as well. im tired of calling and asking for account XXXX to review my ACCOUNT. and no one is doing anything about it. I have call to close my ACCOUNT. IM AT THE POINT THAT I DONT WANT TO PAY FOR SOMETHING THAT IS NOT ACCURATE OR FAIR AS cONSUMER!!!!! also you will look at my statement its states that if I paid {$180.00} for XXXX yrs my account will be paid off, than why am I getting charge 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 monetary relief
Consumer complaint received 2017-01-14
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank advertised a XXXX XXXX Account. XXXX {$15000.00}, leave it with the bank for XXXX days and they would give a bonus of {$400.00}. My husband and I opened XXXX accounts on XX/XX/XXXX. Today is XX/XX/XXXX and we still have not received the {$400.00} bonus that was due us on XX/XX/XXXX We have called the main office numerous times and they keep promising the money will be there, first on XX/XX/XXXX then on the XX/XX/XXXX and then on the XX/XX/XXXX and now maybe never. This is a fraud perpetrated by the bank. The bank employee who set up these accounts is XXXX and the bank XXXX is XXXX. I spoke to XXXX on the XXXX he was very sympathetic by unable to anything. He swore he would get our money but I no longer believe anything from Citibank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
XXXX XXXX cancelled my flight hours before departure and the insurance on my Citicard, who always claimed to cover me in anything travel related, did only cover XXXX of the claim, with excuses that are ridiculous. Nobody cares. 
I had to run and get another ticket with another airline and they said they would cover any extra charges just to get me out of the way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX in Oklahoma, XXXX phone XXXX has called for XXXX straight days and many times in the past. They have been told that my son 's loan is not my problem and they continue to harass me. I have not cosigned or have anything to do with this loan. I am very tired of these phone calls and want this to stop. 
Thankyou, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind on my mortgage and have been since XX/XX/XXXX. This was as a result of a reduction in income. I got back on my feet and contacted CitiMortgage in XXXX attempting to set up a payment and was advised they could not accept my payments as I was in pre-foreclosure. I stayed in communication with XXXX, which is the 1st time homeowners program which I purchased my home through in an effort to obtain modification assistance. I contacted the Citi mortgage attorney in XXXX to find out the payoff amount to bring me current and status of the foreclosure and was advised no sale date was on the property at the time as it was early in the process. I submitted requested paperwork to XXXX in XXXX. This information was being sent over to Citi, but no responses were being received. In the meantime, the foreclosure clock remained ticking despite Citi Mortgage 's lack of responsiveness. My Homeowners specialist has changed at least 3 times. I 'm attaching letters which show proof of this. In the meantime, no one was working my case, making it appear that I was not interested in alternatives to resolve my outstanding loan balance. I believe it changed more ; however I only have proof of 3 changes available from my inbox. I finally decided to deal with CitiMortgage direct, since XXXX seemed to be unable to reach anyone and spoke to XXXX, my most recently assigned Homeowners specialist, back around XXXX. He confirmed my suspicions that NO ONE had been working my case. XXXX committed to staying in contact with me concerning my loan and has done such. Though I am working directly with Citi Mortgage, XXXX still checks in on the progress of my loan as they are Homeowners Advocates. I was contacted on XX/XX/XXXX and advised that there was a Sale date on my home for XX/XX/XXXX. This was concerning because I talked to XXXX earlier that day and never received notice. It is even more disturbing because per the email, text, and written letter I received from Citi " Foreclosure activity will cease while your complete application is being evaluated for hardship assistance ''. I contacted Citi on XXXX and spoke to XXXX and he advised because the foreclosure date is so far out, foreclosure activity will resume. This is a very deceptive practice and completely contradicts what CitiMortgage themselves sent to me in writing. Also, I believe XXXX had to payout a lawsuit concerning the same Dual tracking practices

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 2016-08-24
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing this complaint against Citibank/ CitiMortgage. I have been trying to get a loan modification for about 1 1/2 year now. I have turned in my papers that is requested of me in a timely manner and multiple time. Citi has been incompetent to do their part as in processing the paper in a timely manner and allow my papers to expire. Once they expire I have to start back over. I have had multiple attempts by phone and email to contact my specialist XXXX XXXX. I never hear from him or able to contact him. The one time I did he stated that there was in paper work on file in which he was very rude and not helpful at all. I told him there was and that I received a letter stating so. I then ask to speak with his manager. I spoke with XXXX XXXX par. Once I spoke with XXXX he stated needed my home owners association paper once again even though it will state the same thing. Once I emailed it I tried multiple times to contact XXXX XXXX par by phone and email with no successful attempts. To see If he did reiceve it and it is was the proper paper to move forward with the process. I finially received an email from XXXX XXXX par on XXXX XXXX 2016 stating that he did receive my papers and he would retro back all of my last documents so they would be current to send them to the underwritier and I would know something in a week or so. It also stated that XXXX XXXX XXXX would keep me updated with the underwriter. I still have not heard anything from XXXX, XXXX or a decision. I have received a paper and calls stating that my loan is past due and all money is due or my account can be forwarded to foreclouser in 14 days of stated date of XXXX XXXX 2016. I should already have a decision on this loan modification since I have been working on this for over a year now and not have to be going through this with the added stress due to Citi 's incompentent work ethics

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 2016-10-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I can not get a paperless copy by pdf of my monthly statements easily. This is my second complaint. I just want it fixed. 
I travel XXXX XXXX XXXX so I hope to keep a business card with them, but CitiBank is inept.

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 2021-04-20
Company: EQUIFAX, INC.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX 3and my social security number is XXXX year of birth is XX/XX/1969 address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to remove all the 8 hard inquiries that affect my credit score. Off my report I've been victim of fraud. I spoken to them numerous times regarding this existing problem

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Other

Complaint:
Had to quit my XXXX at XXXX due to XXXX due to the issues. XXXX hospitalized quite often. I am XXXX years old and on limited and fixed income and struggle with the resulting XXXX results. I had to quit before bills such as credit cards were paid off. I am being harassed by a collection company who does not believe me and says I can pay them in spite of my limited income when medicines are increasing, etc. I wish they would stop harassing me for something I can not do for them. The calls and shaming tactics are painful and cause XXXX XXXX to spike over XXXX. Other situations cause it as well, but talking with them and worrying keeps the bp way too high constantly. I do not know how to get them to leave me alone. I would file bankruptcy, but attorney fees way too high to pay. My health has to be number one.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I have a business credit card through Citibank, a Citibusiness AAdvantage Platinum Select Card. My last statement balance was {$750.00}, and I paid {$700.00} on the due date of XXXX/XXXX/15 ( no disagreement on payment due date or date received ). I was charged interest on XXXX/XXXX/15, in other words 10 days after payment, on the month 's average daily balance, rather than the unpaid balance of {$50.00}. And almost exactly the same situation occurred last month ( with a similar charge ). 

This {$11.00} charge is in addition to the {$100.00} annual fee I pay, and the ~2 % fee paid by merchants. All other credit cards I have charge interest on an unpaid balance ( not the average daily balance across the whole month ), and I find this practice of Citibank 's to be i ) an unusual, illogical, and frankly, greedy attempt to create fees and ii ) unfortunately in keeping with Citibank 's reputation of aggressive and opportunistic ( fees ) behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Account Information : XXXX Dodge Ram truck was asked to be picked up by Chrysler Capital XX/XX/XXXX due to a complaint filed with the Texas Attorney Office due tofraudulent signatures offered at sale of truck from XXXX XXXX of XXXX, Tx. Nowa year after Chrysler Capital took possession of vehicle and sold truck. A collectioncompany on their behalf has put erroneous credit bureau information on all XXXX majorbureau 's expecting a balance of {$15000.00} dollars in after market sale to auction of a contract forged for sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I requested a payment deferment to which it was granted ( see attached document ). At no time during my conversation with a representative from Santander did they inform me that they would still report a 30 day late even if payment deferment is granted. If this information had be communicated to me, I would not have continued to move forward with a payment deferment since my reason for the request was to avoid a 30 day late with Santanderj in the first place. Santander reported the payment which was included in the deferment agreement as 30 days late to the credit reporting agencies. I contacted Santander ( Incident ID : XXXX ) to request the correction to my credit report, however I was advised they were unable to help me and correct the error. I also recommended to the representative that reporting to the credit bureaus even if payment deferment is granted should be communicated to their consumers so that it is understood.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Grant & Weber
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint from XXXX against Grant and Weber for Grant and Weber 's failure to provide requested information for the debt alleged. As of XX/XX/2017, Grant and Weber has been reporting an open credit account for the XXXX. On XX/XX/2017, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been 30 days since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 2016-07-31
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander Consumer Loans listed on my credit report the account is a charge off, furthermore reporting several months of late payments. This account was made current prior to the late reporting and all attempts to have negative items removed and/or updated have failed continuously. I have uploaded the title sent from this company showing the account was paid in full and current at the time of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Santander Consumer USA Holdings Inc.
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman. 

It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: LDF Holdings, LLC
State: IL
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief