BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/15 I deposited a check for a very large sum of money, in XXXX funds, into my checking account. The bank clerk told me the funds would be available in a week 's time. Some days later I got a letter from the bank, dated XXXX/XXXX/15, saying a small amount of the funds were available for withdrawal right away, and the remainder would be available for withdrawal XXXX/XXXX/15. Subsequently, I got another letter from Citibank saying that since these were foreign funds, the check had been sent out for collection, and the funds would be credited to my account one or two days after receipt. On XXXX/XXXX/15 I went online. The funds had not been credited. I called Citibank and in the course of XXXX/XXXX/15 and XXXX/XXXX/15 I talked to XXXX bank employees whose names I have. They would look into it. On XXXX/XXXX/15 the XXXX XXXX told me the funds would be available in " six to eight weeks, '' presumably from the date of deposit. This was unacceptable, so I went to my local Citibank in XXXX, where I had deposited the check in the first place, and talked to the branch manager, XXXX XXXX, who indicated he would do the necessary. On XXXX/XXXX/15 he told me the collection department said the funds would be available at some unspecified time, maybe in three weeks. Meanwhile, the exchange rate has continued to fluctuate, not in my favor. When we started out I believe the rate was 77 % and now it is XXXX 75 % -- these numbers might not be exact. It is possible the bank converted the money when the rate was more favorable and wishes to use a less favorable rate when they actually give me the money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I am writing in regards to how Citibank reported me as past due and did not even bother to contact me through any of their customer contact channels. I had to find out when my card was declined at a merchant. I opened this new account because Citibank hounded me to open an additional account as they took over the XXXX XXXX partnership. After 6 months of solicitations, I chose to do so and apply - and within 3 months they made an error and reported me past due. I am very frustrated as I have had a relationship with Citibank since 2000 and have NEVER been past due on any accounts. I am very concerned as this will impact my credit score and impact my ability to refinance my mortgage and apply for student loans for my children as they starting college soon.

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 2016-05-26
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for Citi Gold Checking account promotion back in XXXX 2015 via online offer for bonus XXXX Thank you points after meeting certain requirements which I have already met. I confirmed with Citibank on couple of occasions in the past XXXX4 months that I am eligible for the bonus and have met all the requirements. I was told that I am eligible and have met the requirements and the bonus XXXX Thank you points will be awarded as soon as Citi receive and process my XXXX form. I have already sent the XXXX form twice. so when I inquired again this month, I received a letter that I am not eligible for the offer and I was n't targeted for the offer due to an old Citi checking account ( not the new Citi Gold Checking ). I was told on XXXX occasions that an offer code is attached ( XXXX ) to my account and I should be getting the bonus XXXX thank you points as per the terms and conditions. I love Citi customer service and love citi bank in general but not sure what is going on in this case.

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 2015-09-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citibank took {$170.00} in fees from my checking account between XXXX XXXX, 2015 to XXXX XXXX, 2015. In order to maximize the fees, Citibank processed larger transactions first in my checking account then smaller transactions which caused my account to be overdrafted. Citibank is engaging in unfair business practices by processing larger transactions first then smaller transactions in order to maximize overdraft fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I could not afford the monthly payment and I called multiple times asking for help. They said I had no deferment and I explained I wanted to pay but I could n't afford the amount. They told me there was nothing that could be done i had to pay that amount and I could not speak to a supervisor because they would just say the same thing. I called almost 10 times asking for help. Finally on the last call, the representative told me to " just pay what you can and it 'll be fine as long as you pay something " I was paying between XXXX-XXXX a month the whole time ... in good faith. Finally I get a call my loan had been defaulted and was sent to collection agency. America education services is a money sucking leech. They do not want to assist and keep reporting me to my credit even after it was sent to collections. Now my credit is horrible and shows default which is usually assumes non payment when I was paying every month and the would not do a thing to help lower my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XX/XX/XXXX we applied for a home modification loan with CitiMortgage. During the 3 month trial period, CitiMortgage foreclosed on our home and sold it without notifying us. This was in violation of the written terms of the modified loan agreement. We contacted the Arizona Attorney General and they made CitiMortgage reverse the foreclosure and return the home we had been evicted from in XX/XX/XXXX. This is a simple violation of contract issue and they admitted in a letter to the AZ Attorney General that they wrongfully foreclosed on our property. We had considerable expenses in rental property, moving expenses, home repair from property neglect during our absence. CitiMortgage sent us a check in XX/XX/XXXX to cover part of it but we returned it in order to collect the full amount of rental expenses. Since then, they have never responded to our requests for a settlement of the amount due. They were at fault and caused us significant grief as well as expenses. The least they can do is pay the debt they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
Best Buy included a Debt Protection Fee in my statement. This is something that I did not ask for when I made my purchases. I caught it on the first statement but there may be many who do not notice the fee. I called the number on the statement and spoke with a customer service representative. I asked them to cancel the charges. She stated that she would and started to end the call. I asked if the charge was going to be taken off my current statement. She stated that she could not do that but would ask for a refund. Best Buy adds additional charges, makes you call them to cancel and tries to avoid removing the charge. They should not be able to automatically charge these debt protection fees without authorization from the consumer.

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 2017-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XX/XX/2017, I discovered XXXX ( XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.

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 2015-09-28
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
dynamic recovery solutions keeps calling me about a debt that I know longer owe. I wrote them a letter to ask the to stop all communications about the debt but the continue to call me even more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: Holloway Credit Solutions
State: AL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX posted a collection on my credit report and they have never contacted me regarding a bill. I still to this day use XXXX and have never been told even when i have an appointment. I called them and they stated that they would check and return my call. Two weeks later i called again and was told the same thing. To this day i do not know if I owe a debt or not. If i still use them you would think that they would tell me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I was a few months behind on my Kia Motors Finance Account. Kia agreed to a payment arrangement where I paid XXXX more each month until i was current. A week after the arrangement, they did not accept the first payment under the payment arrangement and had the vehicle illegally repossessed from my gated community. The repo agent broke the back gate and illegally removed the vehicle. Kia then sold the vehicle at auction below the reserve and added the difference to the balance on my account. They also added the cost of the repo which was excessive under Florida law. I have request information on several occasions to rectify this issue legally and Kia has not furnished any of the information to resolve this invalid negative item on my credit report. I want the item removed and Kia Motor Finance investigated for unfair abusive credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX, EWS XXXX al i received my erroneous report today that still contained all the negative information, that XXXX XXXX JUST WROTE THE CFPB IT REMOVED. To address your prior lies, the dates you purport that XXXX XXXX surreptitiously deleted the account, XXXX states it was removed 5 months PRIOR.to that in fact the CFPB has proof of such, as a letter from XXXX XXXX dated XXXX XXXX, 2014 swore the accounts were removed. YOU ARBITRARILY REINSERTED THEM. YOU BROKE THE LAW.REMOVE ALL THE XXXX ACCOUNTS. AS YOU WERE INSTRUCTED TO DO SO

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: AFNI INC.
State: TN
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 recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CIT BANK, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Submitted for a modification numerous times constantly being told documents are not being approved with no explanation as to why. Have submitted a complete package to my lender at least 12 times if not more.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Oracle financial threatened they 'd come to my work. That they knew where I lived. Knew who lived in my home. Knew my social security number, drivers license and birthdate. Said I borrowed money and did not pay it back. That they were a XXXX dollar company and I owed them money. I needed to pay or they were going to my county and file papers against me. They had my middle name wrong. They had previous address wrong and wrong drivers license number. Yet they demanded I pay them. Called 5 times leaving threatening messages. Phone number XXXX. Investigator XXXX XXXX. XXXX. Legal official will deliver document. XXXX XXXX senior liaison at Oracle. XXXX ext XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-26
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I get a letter in the mail from my jobs HR dept. telling me that wages are going to be garnished, and I was like what!!! I never got any notices in the mail stating that I was going to be sued or anything. I do n't even remember this debtime of credit card. I have had fraudulent activity on my credit score and stuff. So, they do n't even give me a chance to call or anything they hit me with the judgement and started to garnish my wages! I never signed for a judgement, never got notified of any at that, and they send me a paper saying the debt is {$600.00} and they are garnishing my wages for {$2800.00}!! This is sick! XXXX, new financial services, and resurgent are considered and thieves. They make their own judgement without properly letting the person know, or anything. I do n't make much money and this has crippled me! I call and they do n't care. This is False practice and very wrong and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
They continue to claim my Father ( XXXX XXXX ) is no longer residing at the property. This is totally incorrect, and i have jumped through major hoops to proove it. They refuse to answer any questions as to how they recieved the false information, and continue to threaten, file court docs, send out process servers and continue to harrass my XXXX year old father and our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Oracle Financial Group LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Collection Agency ( Oracle Financial Group LLC ) would not make any payment arrangements with me unless I could make a payment today. They misrepresented themselves and indicated they were attorneys and not a collection agency so they couldnt do payment arrangements. They said my case would be turn over to my county and my drivers license would be suspended for 6 months automatically and my wages would be garnished. They clearly were n't following appropriate debt collection practices so was nervous about making any payment to them because they made numerous threats and false claims

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is very old and the company is not responding to me reaching out. I need this account resolved and removed from my credit. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I made a deposit to cover a withdrawal in XXXX XXXX. My account was withdrawn on XXXX XXXX. I received a XXXX overdraft fee. I called to have the fee removed and was told it was going to be forwarded to a local branch for review. I was advised to pay the overdraft free because they charge a fee for being overdrawn and I will continue to be charged fees while they complete my review. I asked to close my account and she was not able to do that either. Stated I needed to go into a local branch. The company is making it hard on consumers in order to continue to charge fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-17
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX 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 2016-12-23
Company: Diversified Consultants, Inc.
State: IL
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:
XXXX sent an account which is not mine to XXXX XXXX. I disputed the debt, and they fixed the problem and removed the tradeline from my report. Last time I checked my report it is now back on there by another agency Diversified consultants. Same debt, same amount. I do not owe this!! XXXX allowed an order to be placed in my name but shipped phones to an address in XXXX XXXX IL which is about XXXX miles from my home address. This was found out when I disputed the first time. They admitted the phones order was placed online and the phones were shipped to an address other than mine. I complained to XXXX reguarding this and DCI sent me a form to be filled out with XXXX which had been done previously with XXXX and I refuse to do again because a fraud hit on my credit report will hurt more than this tradeline. I am running out of options as DCI are very hard people to deal with. My next options are to report sprint to XXXX, and CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was on the phone with my mortgage company to apply for a repayment plan and they had information on a Capital One Credit Card account in my name for XXXX dollars. I do not do business with Capital One, I do not have a Capital One credit card. I have n't had a Capital One Credit Card for probably over XXXX years. I believe someone has opened an account in my name, but am not sure what to do about it. Please can you help me.

Company response to consumer: Closed with explanation