BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-11
Company: Kirkland Asset Management LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Kirkland Management XXXX, CASE # XXXX called my daughter 's in-laws asking where I was and complaining about a debt they stated I owed-my telephone number is listed and I live in XXXX-they called the above in XXXX in an attempt to discredit and embarrass me with my family-in addition, discussing private information with parties not associated with the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Big Picture Loans, LLC
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I applied for an installment loan through Big Picture loans. I was under the understanding that I would have to pay XXXX in interest on the loan. However after digging deeper i am required to pay over XXXX for interest on a XXXX loan. i can not afford this and need to know what I can do to get out of this loan, This company is a scam artist and I can not afford nor will not pay this amount of money. I have already paid back the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: ERC
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:
I HAVE SENT THIS COMPANY XXXX DIFFERENT LETTERS AND THEY HAVE NOT COMPLIED WITH EITHER XXXX OF THEM!! THEY NEED TO STOP CALLING ME AND HARASSING ME!! THIS IS NOT MY ACCOUNT AND THERE FOR SHOULD NOT BE ON MY CREDIT REPORT!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: AFNI INC.
State: IA
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:
afni, inc. sent a letter stating I owe money to XXXX XXXX and to pay to their company ( afni ). I contacted XXXX XXXX and my account has been closed for 2 years with no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Big Picture Loans, LLC
State: LA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a XXXX payday loan from Castle pay day. They are charging a XXXX finders fee for this loan every month. I have to pay something on the principle plus finders fee. The rate is somewhere around 575 %. is this legal

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company requested confirmation of insurance. This were supplied multiple times without acknowledgement. We attempted to call multiple times without being able to access a person and without finding a solution in their electronic system. Mortgage provider is now charging us {$640.00} to provide us insurance despite the fact we have demonstrated proof of insurance. We have again faxed and called without result. We want to avoid an unnecessary charges and are looking for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We did a refinance of an existing mortgage and a new purchase of a second home in XX/XX/XXXX. I called customer service to verify if all the pre-paid interest and pre paid property taxes listed on their Wells Fargo closing statements are included on their form XXXX, year tax statements. I got differing answers on who I spoke with. I asked for a letter to document what their stand was. The letter received did not address my questions and was ambiguous. Request WF clarify if their closing statement pre paid interest and pre paid property taxes on reflected on the values of the XXXX forms for my XXXX mortgages.

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 2016-02-15
Company: ERC
State: TN
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:
When checking my credit report I discovered a collection account for an old XXXX XXXX account through Enhanced Recovery Corp. in the amount of {$790.00}. I am a former XXXX customer. I switched service providers in XXXX of 2013. My records indicate that I notified XXXX of my decision to switch provides in late XXXX 2013. There is no way I owe XXXX over {$700.00}. I paid my bill up until then. Please note that I am disputing this collection and I am requesting ERC to cease and desist with any further collections on this account. Have ERC contact XXXX the original creditor and make them aware that I disagree with this collection. I have not received nor have I spoken with anyone from ERC or XXXX regarding this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been a victim of Identity Theft and I did not authorize anyone to steal my identity and pretend to be me. I need to dispute these inaccurate items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am writing to dispute an address on my record. I have never lived at this address:XXXX XXXX XXXX XXXX XXXX, MA XXXX. 
I have written to the XXXX credit reporting companies in the past to remove this address, as I have never lived there, but it still remains on my record. I am writing to request its removal once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Requested verification of alleged debt/past-due amount. I owe nothing to anyone and have no outstanding debts. I requested in writing some verification of the supposed debt they say I owe. I received no response. I also requested the exact date the collection company says the spurious debt was due. I requested the exact date the collection agency was retained by the supposed creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CAVALRY INVESTMENTS, LLC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a virtual wallet checking account with PNC Bank under a promotion that offered {$300.00} upon {$3000.00} dollars of direct deposits and a bill pay transaction. To the best of my knowledge I fulfilled those requirements, but after submitting a complaint to PNC, I was told I had not done a bill pay through " their ebilling '' portal. I linked up exterior accounts through PNC and paid them from PNC. They refuse to honor the promotion offered. In addition, there have been several charges made to the account that were not made clear to me upon opening the account. I have been very dissatisfied not only with the lack of clarity in there communication, but also the various customer services representatives I 've spoken to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a promotional offer from Citibank. I was to get XXXX XXXX XXXX miles after signing up for a new Citigold account and meeting various criteria. I confirmed with a Citi customer service representative that I was enrolled in the promotion and fulfilled the requirements. However, after waiting months for the reward miles, I contacted a Citi customer service representative again and was told that Citi was not going to honor its promotional offer.

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 2016-03-19
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This debt was more than 7 years old the company continues to contact and harass me. I do n't owe this company anything. The debt that I had was through another company, I have asked them several times to stop contacting me but they still continue.

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 2016-06-22
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a XXXX checking account with a promotional offer ( XXXX - receiving XXXX bonus AAdvantage miles after meeting requirements ) on XXXX/XXXX/XXXX. After completing the purchase and billpay requirement associated with the promotion in XX/XX/XXXX, I contacted Citi customer service many times inquiring about the status of the promotion. Each time I was confirmed that I had completed the requirement and was qualified for the promotion, and I was promised that the bonus would post within 90 days of the statement closing date after I completed the requirements, which is the XX/XX/XXXX. However I have not received the promised bonus miles as of XXXX/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 non-monetary relief
Consumer complaint received 2016-08-30
Company: Consumer Collection Management. Inc
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My medical bill was paid in full in XXXX 2015. The doctors office did not report it as paid and it is still being reported on my credit. I am fed up and want some sort of legal recourse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/XXXX at XXXX EDT, called Citi at XXXX Requested Citi Thank you credit card account XXXX XXXX XXXX XXXX to be closed. After resistance and repeated attempts to retain the account, I was advised the account would be closed. I then received monthly statements ( No payment due ). I called again, on XXXX/XXXX/XXXX at XXXX XXXX. was advised a glitch in the system caused the paper statements to be sent and that at cardholder request, the account was currently closed. Since then, I have received numerous statements via mail, indicating I have no payment due, a XXXX cent credit balance and a credfit limit of {$6500.00}. The account was never closed despite my requests.

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 2015-06-19
Company: CITIBANK, N.A.
State: AR
Product: Credit card
Issue: Rewards

Complaint:
My mother recently passed away and I was taking care of all her finances for the last XXXX years including the credit card. It was a dividend card. I paid the XXXX statement in full as all other statements and asked for the dividend XXXX check to be sent to her estate. They said no.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am willing to settle the debt at {$10000.00} under a 24 month payment plan of {$430.00} per month beginning on XXXX XXXX, 2016. I have been paying {$250.00} per month for the past 14 months. XXXX had previously offered to settle at {$15000.00}.

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 explanation
Consumer complaint received 2017-03-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Macy 's has adopted a " minimum interest charge '' of $ XXXX/month - regardless of the balance due at the time interest is calculated. If the balance due is {$0.00}, for instance, the {$2.00} minimum would reflect a??? insane rate of interest. Does n't seem fair.

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 2016-10-19
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
Cititbank accepted duplicate deposits for a balance payoff. My account balance had a negative balance of over {$6000.00} dollars that I requested back from them. They held on to my money without explanation and repeatedly told me they would return it after 3-5 days ... ..and then another 3-5 days. Now I have to wait once again.

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 2016-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.

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 2015-04-28
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a personal loan with One Main Finance. The loan was due on XXXX XXXX the payment is in the current month due. But they started calling me on the XXXX non stop. The loan is n't even XXXX days past the due date. Calling me XXXX times or more a day leaving messages. All day calls starting at XXXX ending around XXXX. Even calls to my phone on Saturdays.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX funding has partially responded to all disputes made on CFPB. This is intentional I am NOT represented by XXXX and they have not proven that I was served for the lawsuit they brought against me concerning XXXX. It was past the statute of limitations and I NEVER was served and had no way o defend myself. Wages were garnished and XXXX funding still reports on my credit bureaus. XXXX account was with XXXX and another with Citibank both fraudulent. I have requested debt verification including m signature and proof that these debts belong to me. I want records and signatures verifying these accounts are mine. I also want proof that I was served for court. XXXX funding has been sued for dishonest practices and fraud. I 'm a victim of this and will pursue this, I have not received letters like they claim

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/2015 I detected, while checking my credit card activity in the website ( macys.com ), fraud activity in my account ( about {$480.00} ). Immediately after, I called the credit card dept. to let them know about the issue. They canceled my account, sent my another card with a different number, and told me not to pay the amount related to the fraud activity. I decided to pay the total amount of my debt, excluding the fraud activity, and stopped using that card. I have not use it since then.Days later I received a form where I should indicate all the charges that were not mine. I sent it three times, since I was told that they had not received them. Since then nothing has happened. I call the credit card dept., every week ; they have not answers. I have called the fraud department hundreds of times and nobody answers the phone. The waiting time is between 30 to 45 min. Who can wait that long waiting for someone to answer? The three or four times someone has answered the phone, during these eight months, they say that the problem will be solved in few days, and I am still waiting. Meanwhile, they have been charging late fees to my account every month affecting my credit scores. I honestly do n't know what else to do. The fraud activity, when you see the statement, is the following : XXXX XXXX Ats Online XXXX {$100.00} XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX XXXX XXXX XXXX # XXXX XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX XXXX XXXX {$77.00} Additionally, there are International Fees related to these charges for an amount of {$11.00}, which mean that they were made out of the United States. The first charge in the list, though, does n't have that fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-09
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed a complaint " Qualified Written Request '' on XXXX/XXXX/2015 and received no response what so ever. Not even an acknowledgement of receipt from Citi Mortgage in reference to my escrow account and the illegal holding of my mortgage payment As per fax receipts all papers where received at the number given to me by Citi XXXX. supervisor. 
Please see attached documents for entire explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Other

Complaint:
My wife and I have a Citi Double Cash account opened in XXXX XXXX. In early XXXX XXXX a payment for the full balance was sent to Citibank. Payment was negotiated by Citibank on XXXX XXXX. We have the cancelled checks, one of which is attached. Then I began to get non-payment notices. We called to inquire. On the XXXX agent we talked to, we were told that payment was applied to an old account in my wife 's name that should have been closed a long time ago. They refused to send us a bill on the old account and refused to redirect the entire payment to the Double Cash account. They finally agreed to redirect that portion of the payment over the balance of the old account to the new account. However, I can not verify that this was done because my access to the website on my Double Cash account is blocked with a page saying payment is over due. Citibank had absolutely no authority from us to redirect payment and had no authority to re-open an old card in my wife 's name.

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