BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a Home Depot Credit Card ( issued by Citibank ) and I had used it to purchase items on promotion ( 6 months no interest ) on XX/XX/2016. I was promised that no interest would be charged if I pay in full by due date XXXX XX/XX/2106 ). I have paid the transaction amounts for each month in full since then. For the month of XXXX the total transaction I had was {$11.00} which I paid prior to the due date. However, Ciitibank is charging me a {$25.00} fee since I did not pay the minimum payment of {$25.00}. I do not agree to the minimum amount that Citibank is asking to pay as it would mean that the 6 months no payment no interest is not what was promised to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Other

Complaint:
In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: STATE FARM BANK, FSB
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TO THE # CONSUMERFINANCIALPROTECTIONBUREAU : # StateFarmXXXX has NOT been processing my automated monthly payments timely and has caused my bank account with the # XXXX to go overdrawn 3 months in a row. 
State Farm has tried to blame my bank, who knows my banking behavior and knows me, since I have had this account with the XXXX over 20 years. 
Throughout this time with the XXXX, I have done business with many other companies, which I permitted automatic monthly deductions from my bank account, to pay for a service or product. 
But I have NEVER experienced this before with any other company, where they were so slow in taking out or pushing the necessary buttons to take outfrom my account topay my insurance. 
Not only has State Farm caused me to go overdrawn on my Bank Account, but this slackness on their part incurred fees to my account, fees which I can not afford. 
Instead of pulling out from my account the set date or the next day, or even when I called to make the payment early, State Farm would wait to pull from my bank account, 4-10days after the set day, on the exact samedays that other transaction/s happened to be pending. 
Right? I thought since # XXXX & StateFarm ARE RIVALS, and since # President # Obama and his 'brothers ' have had access to all sorts of # Securities and # Banks, that maybe they are trying to drive State Farm out of business, because I have NEVER had any problems with State Farm before. 
However, it has been since XXXX, that I just most recently resumed business with State Farm, in the XX/XX/XXXX. 
This practice of waiting to deduct from my account days after the set date, or NOT even deducting when I callin early to make a payment, and then deducting one too many days after when I happen to have another transaction/s pending on those days, IS of GREATconcern to me. 
Like many Americans, I live paycheck to paycheck. I am poor. I do NOT own a personal computer because I have been displaced, moving place to place trying to obtain work, where I can afford housing. 
When 'Big # Banks ' or Big Companies begin to find ways to exploit their clients based on the data of their banking behavior and/or purchases and those locations of those purchases, I personally become more 'affected'by this. 
I have tried to resolve this issue for several months, back and forth, back and forth, back and forth. 
But, I am not pleased with how this is being handled. 
I am in need of assistance. 
Sincerely Yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: ZENCO COLLECTION, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have gotten several calls from this telephone number XXXX. In addition to all of the calls I have gotten, my family has also gotten these calls as well. Once I returned the call, I was not given any type of debt collection disclosure, just told by the person answering the phone they were the secretary and they would have to connect me to the person that called me. Once I was connected, I was then asked several questions and I asked several more times who they were and why they were calling. I was told I owe {$7000.00} and that the person who answered talked to my family and stated " was told by your sister you commit fraud '', " There will be a police officer sent to your job '' and that I " ony had until XXXX tomorrow to have this resolved. '' I work in the XXXX and am taught the importance of the CFPB and Fair Debt Collection, and this behavior is completely unacceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-27
Company: CITIBANK, N.A.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied for a loan to purchase some recreational property and when the bank did a title search on the land it came back stating I had a default judgement against me in the amount of {$1200.00}. So the bank denied my loan. When I asked for a copy of the judgement it does not state who creditor was but it was entered on XX/XX/XXXX.I never received anything in the mail about this and I have lived at the same address for the last XXXX years and was living here when this was entered.My son and I have the same name except he is XXXX and I am XXXX.The Judgement says our full name and a.k.a. XXXX on it.The debtor address is an address where my son used to live.He has horrible credit my credit is good and this Judgement did not show up on any of the XXXX credit reporting agencys on my credit. I went to our court house and tried to get it removed they would not, I went to the title company they said For {$75.00}. dollars I can file an affidavid stating that then bring it to court house and for {$40.00} dollars more I can have it filed. I am not paying a penny for a debt that is not mine. I contacted the Head Person for our county and he said I should hire a lawyer. I tried to contact the plaintiff listed on the judgement the phone number I was given says it can not be reached from my calling area. I google the address and it comes up as a different business when I tried to call the number on the ir websight it says this is a working number but no one ever answers and there is no voice mail.I googled the names of the XXXX attorneys and the law office they are from and I can not not find them in Minnesota. They are supposed to be in XXXX XXXX.And in Minnesota it says that after XXXX years the judgement has to be dropped and it was entered in XXXX and this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Late fee

Complaint:
I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}.

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 2016-04-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a XXXX XXXX XXXX. I was supposed to get ebills from XXXX XXXX - I never did get an ebill checked my bank account. I forgot about the bill until it showed up delinquent on my credit report. I drove to XXXX XXXX on XXXX/XXXX/16 and paid in person. Otherwise, I have perfect credit. Now i get daily calls from XXXX or XXXX claiming to be American Express. I called XXXX XXXX and they confirmed these are not calls from them and my account is clear. The first thing they ask me is my date of birth. I refused and asked why they are calling me and who they are collecting a debt for. The man on the other end just kept repeating that he needed my date of birth. I asked them to inform me in writing of their concerns. He just kept asking for my date of birth. I became irate and told them to stop calling and I was going to report them as scammers. Finally, He said ok we will stop calling you. Of course, I do not believe that! XXXX XXXX has agreed to take this off my credit report and told methey would issue a letter to my home address within 30 days.

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 2015-10-09
Company: TMX Finance LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
Hi, I am a XXXX dependent that received a title loan from Title Max. I received about {$3200.00} and I 've already paid them XXXX payments of {$400.00} and after I calculated the total number of payments I would have to pay them over {$9000.00}. If you are a day late they start charging $ XXXX and your car is up for repossession plus you can no longer make payments over the phone. You have to go into the office which is XXXX minutes away from me. I am really considering giving them the car because I refuse to pay XXXX the amount for this car. Is there any loophole being that I am a military dependent?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: GREAT LAKES
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe my consolidation loans have been manipulated to the benefit of the banks by approximately {$20000.00} over the life of the loan, contrary to what I would have agreed to. 
I consolidated my loans XX/XX/XXXX. Originally serviced by XXXX XXXX XXXX, now Great Lakes. I honestly do n't know what the exact terms of the loan were at the time, I am trying to obtain documents but keep getting denied. I 'm guessing I would have set-up a 15 maybe 20 year loan. I started paying as soon as I could, I always paid as much if not more than they asked of me, but what I did n't realize is that I was barely covering interest each month : from XX/XX/XXXX - XX/XX/XXXX an average of about {$65.00} towards principal vs {$300.00} interest. Using the interest rate and the payments I was being charged the duration of the loan would have been over 27 years. When Great Lakes bought the loan in XX/XX/XXXX they did n't change anything and in fact the first XXXX payments had a grand total of {$22.00} applied towards interest. XX/XX/XXXX I had a late payment ( my wife forgot to pay ) and at that point someone from Great Lakes contacted me and told me that my loan " would n't ever get paid off at that rate. '' I was just so shocked I said yes, change it and even made double payment the following month. At that point they structured the loan right at 20 years. This leads me to think that my original agreement would have been at 20 years. 
So, more than 5 years into the loan I 've only paid down the principal by {$4300.00} ( excluding {$800.00} in extra payments I 've made since XX/XX/XXXX ). A simple loan calculator shows that a 20 year loan with these interest rates and no extra payments should have {$9700.00} of principal paid. Seems like this situation should be illegal ... I would n't have agreed to it and Great Lakes would have continued to benefit at my expense had I not decided to double check their work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am currently a customer of TD bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: GREAT LAKES
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Great Lakes has been calling me 5-10 times a day about my deceased father 's student loan. They have reported the debt as a delinquency on my credit and refuse to settle the debt when I called to explain the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Sterling Infosystems Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The company that I work for did a criminal background check for a promotion, I was denied that promotion due to inaccurate information. XX/XX/2016, I received XXXX XXXX, I was informed by the judge and my lawyer that it should take up to two weeks for the felony to be dropped from my record. I have contacted my lawyer as well to understand what went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I applied for TD Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and TD Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MN
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my debt in full and after about 6 months, they have started sending me bills that suggest that the payment never occurred. I 've made numerous attempts to contact them and they will not respond, though they continue to send bills, which now also suggest that I 'm one month behind paying a debt that I have already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Regional Management Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Credit Recovery Associates on XXXX/XXXX/2015 about a collection they put on my credit. I ask them to send me the information showing that this debt is my. As of XXXX/XXXX/2015 they have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Genesis Lending
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There was a lawsuit against the school that I attended and they are closing the school down as a result. I was paying my loans at the minimum that I can afford and now the loans are being serviced by a different company. I can not afford to pay the loan at this time and I am receiving notice of default. How can I resolve this issue when the school is being sued for the way they talked students into taking the loan in the first place, I should have never been approved because I was not working at the time and they asked if someone could help me pay it. The person that was helping me is no longer in my life and I am stuck with the obligation when he agreed to pay it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Regional Management Corporation
State: SC
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 contacted Credit Recovery Associate in regards to a collection for XXXX that they are reporting on my credit profile. I have disputed this with the credit bureaus as well and getting no where. This debt is not mine but this company continues to try to collect this alleged debt from me. This company is not following FCRA in regards to reporting information. This company can not produce any documents with my signature or contract where I signed a agreement with the company.

Company response to consumer: Closed with explanation