BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-16
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2017, my card was charged {$25.00} from XXXX and {$60.00} from XXXX. I did not approve or make these charges. After calling both XXXX and XXXX i realized someone was using my card to make these unauthorized purchases. I have an email from XXXX stating these charges were made on a different account with my card and were fraudulent. I also spoke with manager XXXX at XXXX who printed me out a statement to where the pizza had been deliver. It was not my address or name or number. I disputed these charges the same day with American express Serve. I was informed i had to call back because the charges were still pending. I called back that following Tuesday and put in my dispute. Less than 24 hours later i received an email from American Express saying, as per their investigation, the charges were authorized and they were permanently locking my account. I called and spoke with numerous supervisors and made them aware, as i had from the start, that i had an official email from XXXX stating the charges were fraudulent and XXXX would also say the same. On top of having been stole from, my bank did not investigate my claims or these fraudulent charges, basically telling me i was lying and closed my account which i have been in good standing with for over 2 years and my paycheck is deposited on. I was advise to fax the proof and a document to American Express. When i called to see if it was received they told me they could not do anything because the account is permanently locked. I just want my {$85.00} back and a apology for the lack of investigation and closing my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-09
Company: AMERISAVE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have tried to pay off my mortgage with Amerisave Mortgage Corporation numerous times ( 3-4 ) and they keep charging me extra fees and will not close out the loan. Each time I have sent them a " pay-off '' payment they inform me that it did not arrive on time and charge me additional " handling '' fees. This is harassment and intentional. I have spent many hours on the phone with Amerisave trying to resolve this. I finally sent them a Certified Letter formally requesting that they close the account. None of my efforts have been able to close this account out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We got home phone service from XXXX XXXX XXXX XX/XX/XXXX. We immediately received automated telephone system calls every weekday and they want to speak to XXXX XXXX. These automated calls do not allow you to simply press a button and speak to someone. You have to write down their number and call them. We registered our home phone number on the do not call list on XX/XX/XXXX because of these calls. I filed a complaint with the FCC on XX/XX/XXXX. 

I notified the caller on these dates and times to stop calling and that we do not know XXXX XXXX, we are on the DNC list and we just received the new phone number. I begged them to stop calling. 

XX/XX/XXXX at XXXXXX/XX/XXXX at XX/XX/XXXXJust per review of the incoming call records from XX/XX/XXXX - XX/XX/XXXX and in that 18 days they called us 19 times, including 8 times ( every single weekday ) after the second notification on XX/XX/XXXX. 

They use several different telephone numbers, which they continually change so you can not block them, XXXX : //XXXX They also use different company names, e.g., XXXX XXXX XXXX , XXXX.XXXX PCHarris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX. 
Harris and Harris of Illinois, Ltd. 

This morning their call right after XXXX woke up our child. Please make them stop harassing my family. Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing this alleged debt that is on my credit report. I have no knowledge of having a contract with this company. The credit bureau send dates but no signed copies of contracts or anything. Which is clearly not validation. In accordance with my rights under the Fair Debt Collection Practices Act I am hereby requesting that this collection agency provide formal validation of the alleged debt that they are reporting to the major credit reporting agencies on my behalf. In which I am not requesting a simple account summary.

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 2015-08-05
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/15 I bought XXXX XXXX from Best buy XXXX Month financing agreement, for that reason I apply their credit card. 
To get my credit card I called Best buy XXXX times, They wo n't send to me my credit card or monthly statement, For that reason I requested ' to close my account and let me now my unpaid balance ;, In the first time they mailed to me unpaid statement Balance {$540.00}, the statement included past due balance {$56.00} and fee charged $ XXXX called to Best Buy card service ; I talked to her Name - XXXX her ID No. XXXX on XXXX/XXXX/15, they agree to remove the above charges, because they never mail to me statement or my credit card. 
According to my agreement I paid minimum amount {$100.00} on XXXX/XXXX/15. 
On XXXX/XXXX/15 I checked my credit score ; because of their bad report my credit score is damaged. 
I called Best Buy credit card service, I talked to her Name XXXX, her ID XXXX, and she told me my credit score will fix soon, but my score not fixed, Without my mistake they damaged my good History, so you may help me to fix my good name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
i had an equity line of credit from citizens my mortgage was from citizens one. 
my line of credit was for XXXX of which i spent XXXX and had a credit limit of XXXX when i refinanced with another bank they not only took my XXXX away without my permission they assesed me a charge of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2016, I ordered a free sample of of XXXX products from XXXX on line for {$4.00} shipping. This was charged to my account and paid but before I had a chance to open and use the product a charge for {$100.00} and {$100.00} appeared on my card. I called the company to cancel and find out why I 'm being charged when what I ordered was a free, pay for shipping sample. They said that since I did n't cancel within 14 days I owe the money. I put in a dispute with the Sears Mastercard and returned the product unopened to the shipping address.The company refunded {$100.00} but not {$100.00} to Sears claiming they are not obligated to refund my money because it was not returned properly. When speaking with Sear rep, she said Sears would not expect me to pay for something I do not have, but now are sending bills with additional finance charges.Trying to resolve this, I contacted the company several times.They told me that if I remove it from dispute they would refund the money. THEY DID NOT REFUND THE MONEY and Sears said they could do nothing about it. Please help get this resolved. I feel that I was scammed.

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 2017-03-05
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.

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 2017-02-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Citi Bank claims I have debt to pay and refuses to accept my claim on fraud on the account. I had a XXXX dollar credit limt and I some how owe XXXX dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: ZENCO COLLECTION, LLC
State: GA
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:
Received a call today from a XXXX XXXX ( and one of her associates ) from phone number XXXX regarding my deceased husbands account. They would not tell me what account but that it was from XXXX ( my husband died in XXXX ). They said a payment was made in XXXX ( which I made have made but since they would give me no additional information I could not verify. When I tried to explain this the associated threatened me, yelling I used the card therefore I committed fraud and I would be sued and was hung up on. I tried to call back and was yelled at again being told ... you are a fraud and you have legal action against you do not call us back.

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 2016-09-17
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
When Citibank took over the credit card business of XXXX from XXXX XXXX, they sent me a bill for {$380.00} I have always paid my bills on time, and I had just paid in full my Citi XXXX XXXX bill. The bill arrived with interest charges for late payment. I immediately called XXXX. This was clearly not accurate. I worry that people without my wherewithal would not be able to pick up the phone and force Citibank to return their unfairly charged interest or late fees. My balance was {$280.00}. But when I closed my account Citibank charged me {$380.00}. Citi charged me for a new membership at just the time when I was canceling the card, which they informed me automatically cancels the membership. They charged {$110.00} for a XXXX membership with Citibank. Citibank has had my {$110.00} now for over a month. They are unethically and deceptively benefiting from false charges like these because they charged me a membership fee for a membership that I could never use if I canceled the card. I am sure I am not alone in this situation.

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 2016-07-13
Company: Pacific Rim Alliance Corporation
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I filled for bankruptcy in 2012 the company/payday loan company CHECK MATE was notified as of such and a year ago they contacted me about the debt and I told them once again I filed bankruptcy on this loan and they stated sorry wont bother you and then today they had a man XXXX, XXXX XXXX contact and threaten me yet again about a judgement going against me for this payday loan. He clearly stated that it was for CHECKMATE payday loans and I clearly told him I filed bankruptcy 4yrs ago on this loan.

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 2016-09-01
Company: AMERISAVE MORTGAGE CORPORATION
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was n't able to close on my mortgage on my first attempt due to circumstances well beyond my control. The first appraisal that I received was on the low end but gave me what I needed. By the way I would not sell my house for that amount. Because of the delay, the appraisal was not able to be used, so I had to pay another {$500.00}, or rather be gouged for another appraisal. The first appraisal was less than 120 days old. The second appraisal came in at XXXX percent less with comps that were not even close to the quality, style, and square footage of my house, and the person spent about 10 minutes at my house tops. I did not realize that XXXX was an affiliate of Amerisave, and now I feel duped into having to pay for another appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I paid off a debt in XXXX 2009 to Midland Funding. I contacted them 20 days ago to get this cleared up. They had me pay for a debt ... not sure it was the same one, but I paid it. We then found out that the court house actually has a copy of the judgment being paid in 2009 but the release of judgment was never filed by Midland Funding nor its attorneys. Midland funding says this will take a minimum of 30 days to resolve. I am trying to get housing for my family and this is hindering us to do so. Midland funding says they will not speed up the process. This is not fair. This should have been completed in 2009. 

When I talk to them, they are unresponsive. I have read that the fair credit reporting act and that should protect me from this abuse. I am requesting Midland funding to expedite this request and reimburse us for the {$1300.00} paid XXXX/XXXX/2009. 

This being on my credit since 2009 has been detrimental to my family in not being able to obtain credit and housing. Please intervene and ask Midland Funding to expedite our request and not give the old standard line ... .it may take 30 days ( not longer than 90 ) To our family, this is not acceptable and we may lose the ability for housing if not completed within 15 days. I would appreciate your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-02
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XX/XX/2016 went to XXXX store on XXXX XXXX XXXX, XXXX, TX XXXX their number is ( XXXX ) XXXX. I took my Serve card to withdraw money from the XXXX XXXX atm at XXXX. When I tried to withdraw the money and put in all my information, the atm did not dispense my the {$140.00}. So I called the number for the atm they told me to file a complaint and the money would be credited since i received no money from the atm. An employee at XXXX named XXXX informed the atm merchant that this was not the first time they had issues with the atm and they needed to get it fixed. So I called american express serve at XXXX. I spoke to a representative who i explained everything and was no help at all. She kept putting me on hold then transfers me to a supervisor. I explained to the supervisor what happened and i never received the money or receipt from the Atm yet the amount was deducted from my account also with a fee of {$2.00} for using a atm. I then received a email from american express on XXXX XXXX that it would take 10 business days for them to investigate. That they will send me another email within 10 business days with more information whether they be able to credit me. 
On XX/XX/2016 at XXXX I received a email requesting more information that they needed it with in 10 business days. At XXXX XXXX XX/XX/2016 i received a email saying they are not going to credit the amount I never received on XX/XX/2016 for XXXX plus the XXXX service charge fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was billed for this item. during the time I had XXXX and XXXX. They only billed XXXX which left me with a bill. I do not owe this. When I have contact them in the past they have been very rude and refused an explanation and proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
MCM ( Midland Credit ) keeps calling me asking for a person who does not live in my home and who I do not know. I have told them this repeatedly, but they continue to call. The last straw was when they called this morning ( Sunday ). I told the woman that I was reporting them to the CFPB so hopefully this will stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Macy 's credit collection keeps calling claiming that i am late on my credit card payment, even though both myself and the customer service department clearly see the marked the payment. I keep asking for a supervisor and get a real XXXX attitude form the people helping me to the point where i hang up in frustration. 

Further more they keep sending my credit card to a bad address locking me out from making online payments and forcing me to go to the store to do so. which is a huge inconvience for me since I live far from a story. 

This is the worst experience i 've had with a credit card and refuse to deal with this unless there is interjection from you or the corporate office or a supervisor.

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 2016-03-07
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was 1 month late with a credit card in XXXX and I began receiving phone calls from Citi XXXX XXXX a company under Citibank. Even though I began paying down on the debt they continued calling me, between 4-7 times a day, no less than 100 times a month. I am current with my bill and am still receiving calls from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Unfair and deceptive marketing practices : 1. Sent information about a cash advance, which I took 2. About 6 months later, sent information on upgrading to a Citi XXXX Card 3. Once this happened, my cash advance started to accumulate interest, which was XXXX Interest at the time.

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