BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-25
Company: Green Square Company LLC.
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a call from XXXX XXXX. At first he said he was from XXXX solutions and then he said he was from XXXX XXXX XXXX and he was calling from XXXX XXXX XXXX. He said I obtained a loan in XXXX. I did not receive any loans or credit in XXXX of any kind. He had my previous address and social security number. He threatened to call my employer and file a lawsuit. I asked him for his address and he refused to give it to me, told me I was being uncooperative and said I would be hearing from him. I reported this to the FBI who informed to contact the CFPB.

Company response to consumer: Closed
Consumer complaint received 2015-04-16
Company: SUN LOAN COMPANY INC.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Loan payment was due on XXXX XXXX. I have been Ill and I am in the process of filing bankruptcy. I came home to find a business card in my door from the manager of Sun Loan Company in XXXX Missouri with the amount I owe instructing me to get " ahold '' of us. 
This was next to a notification of a package delivery. I feel I had notified them of my intentions of Bankruptcy. I did change attorneys. I also advised them of being ill and my inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Santander consumer is over charging interest on there car loans, sending out payment statements of principal and interest charged and the adjusting interest charge and princial at a later date. This is manipulative and theft of payments made towards a car. I filed a written complaint in XXXX 2015, called the customer service line to discuss the situation and now they are saying the never recieved it after i filed a complaint with texas XXXX and texas attorney general in XXXX area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Synovus Bank
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Today I received an alert from my Credit Union stating that they had just paid a ACH Debit for Santander {$560.00}. I was outraged due to the fact that I did n't authorize Santander to debit my account for anything and also I no longer own the car that I had. The repossesed the vehicle in XXXX 2013. Shocked so I called up Santander and asked them why did they debit my account this money and they claimed they had no idea what I was speaking about and they have had no payment options for me set up. Well somebody within that company did something. I looked on the back of the check and it states " FOR DEPOSIT ONLY XXXX. Mind you Santander states that they did n't send out my account to any collection agency that they are handling everything on their own. Then how the hell did all of this happen what is going on

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX XXXX XXXX on XXXX XXXX, 2015. My vehicle was financed with Santander consumer. Upon signing my contract an extended warranty was purchased for {$2000.00} dollars. Two days later I was rear ended. A total loss. On XXXX XXXX, 2015 I asked that the warranty be cancelled with XXXX. This company has given me the run around since signing the cancellation request form. On XXXX XXXX, 2015 I called Santander consumer to see if my warranty was cancelled so that my remaining balance of {$85.00} is paid in full. XXXX has paid thier half in the amount of {$11000.00}. Santander consumer stated I had to wait for XXXX to send them {$640.00} and for the dealership to send {$1300.00} in order for my refund to pay the remaining balance in full, and any money or monies would be refunded to me. First, off the dealership has no right to the extended warranty refund when it was purchased, and added to my contract. Second, why must I wait for Santander consumer to process my refund when my cancellation request form was signed on XXXX XXXX, 2015. This fraudulent business tactic is only making my CREDIT suffer. The credit I have tried so hard to achieve. There is no reason for Santander consumer to prolong the process when they have given me the deadline of XXXX XXXX, 2015 to have all monies paid in full. I would like to be treated fairly and have this matter resolved ASAP. There 's no reason for me to wait any longer, since I have waited long enough. I want my balance to be paid with the refund from my warranty in full on or before the deadline. And the rest refunded back to me. So that this fraudulent behavior does n't cost me my CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Revenue Assurance Professionals 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:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
Called Citi Bank to complain about a mix up on a payment, and they then reduced our credit line. While we are no longer using the card, I still do n't want my credit to show I 'm at my limit, and I asked them why they did it. They said it was information from XXXX I checked my credit report from XXXX, and I found no negative information. I called them back, and they told me the same thing again. I ca n't fight with XXXX because there 's nothing to fight about, and I ca n't fight with Citi Bank because they wo n't tell me what the problem is. I ca n't win.

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 2017-01-01
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Continental Central Credit, Inc.
State: NJ
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 been sent 6 requests for payment of what appears to be a time share. The statements are addressed to XXXX XXXX as owner and me as co owner. I do not know a XXXX XXXX and am not the owner or co owner of a property in XXXX XXXX of XXXX MA. I have received statemnts for past due amounts from XXXX and Contintal Central Credit of MA , Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I used to have a past due debt with US bank which I settled in full with US bank directly and who deleted this account from my report and resent the collection notice to the collector. Now several years later XXXX XXXX is despirately, agressively and insultingly trying to collect on the debt that has been paid off and cancelled by the original creditor. Is n't this illegal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: CITIBANK, N.A.
State: NE
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have entered into a Debt relief program and they instructed me not to make monthly payments. One Main Financial in XXXX XXXX, NE has called me at least XXXX a day at home for the last XXXX weeks and has now called me XXXX at work, I am sure those practices are not legal. I have told them last night to never call me at work again, so we will see. I have called XXXX XXXX XXXX and informed them of One Main calling me at work and they stated I needed to make a report through you and they were going to send them a letter to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
On XXXX XXXX, XXXX I contacted Citibank XXXX to inquire about a closed credit card account I have been paying on. I have been on a special program under Citi since XXXX XXXX. At that time Citibank offered me a retiree on a fixed income ( which the bank has no respect towards ) a ludicrous settlement offer of paying {$170.00} a month. That was it! I started paying but later could not. Citi then offered me a plan ( which they could have at first ) of paying {$70.00} between XXXX XXXX to XXXX XXXX. In XXXX of XXXX another settlement arrangement was agreed where I had to pay {$70.00}. This still holds true today. 

In XXXX XXXX I requested an interest to settle the account, but was informed a settlement option was not available because the account is enrolled in a Balance in Full payment arrangement program. These programs are suppose to be offered at a discounted amount on the balance, but Citi has created their own policy and would rather dry your pocket of every cent.Fast forward to XXXX XXXX, XXXX inquiry about the account. I was informed that the account is 169 days past due. A closed account past due? The banking rep stated that the account though technically closed, really is no, t according to Citibank policy. No laughing matter but I see why Citi gets into trouble due to their malfeasant banking polices of " soaking '' as much money out of the consumer as they can!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSWORLD SYSTEMS INC
State: MI
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving phone calls at my employer. Transworld systems are asking my employers my personal information for a defaulted XXXX loan. I verbally requested for them not to call my employer as I have updated my contact information. I also called my university, Michigan XXXX University to confirm that they are the debt collector, however the amount requested is not what TransWorld systems is requesting. My loan is for {$5100.00} with interest. Transworld systems is attempting to collect {$5500.00}. I 've spoken with XXXX, XXXX, and XXXX and was given the run around as well as being hanged up on when I requested for a payment plan. They said they do not take payment plans which I know is incorrect. I do not feel safe nor comfortable with this debt collector harrasing me at my job. I 've tried calling them several times to make payment arrangements and no one answers the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016, I opened a new Citibank saving account in a branch with $ XXXX. Because, I was told that if I bring new money to Citibank, I 'll get some free bonus - {$400.00} - So, I get better returns that what I 'm getting in my other bank. I have contacted the bank in person ( the branch that the account was open ) and never available, online and phone - they are not able help. The bonus have not been deposited and per online and phone representative, the account was not setup for that. They are asking for a promotion code. I honestly did n't know about promotion code or something like that. I just opened an account to get the bonus. Citibank is not clear with the advertising, they do n't say ask for code and keep, and the teammebers are not being train to open this accounts. It 's clear that they made a mistake in the setup.

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 2016-08-06
Company: Halsted Financial Services, LLC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collecting company Halsted Financial Services calls at all hours of the day. When I have answered their calls, they want me to confirm my identity and I refuse to do so unless they tell me what it is they are calling about, which they refuse to do so unless I identify myself first. I have told them numerous times that I will not do so when I do not have any debt with any company and they continue to call morning, day and nighttime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have written to Citimortgage at least XXXX times pointing out that they are inaccurately reporting information on my credit report. They have not responded or made the necessary changes as required by FCRA. My last letters were dated XXXX XXXX, 2015 and XXXX XXXX, 2015 which are attached together with a copy of the credit report excerpt showing that they are reporting XXXX pays due and on XXXX reporting that the account is open with a XXXX balance but on XXXX and XXXX they are reporting the account as closed. According to my understanding of FCRA, all reportings must be 100 % accurate or they must be removed or repaired. I do n't understand how they can avoid compliance with the law. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
First off, I must say that I have great credit with a credit score around XXXX. I had a Macy 's credit card through American Express. I was set up to pay my bill automatically through my XXXX XXXX ebill system. Previously, whenever I made a purchase at Macy 's, I would get a subsequent ebill the following month automatically in my XXXX XXXX online account. I made XXXX purchases on my card earlier this year. For whatever reason, I did n't get notice of my outstanding balance through my bank ebill system ... therefore I forgot that I had anything due to pay. The charges were minimal - around {$200.00}. I recently went back to Macy 's to make a purchase but was declined. I called the number on the back of my card and I was told that i owed around {$500.00} for purchases, late fees and interest. I asked why was I not notified of these charges and I was told that I ( or someone claiming to be me ) had put a " cease and desist '' on my card which supposedly cuts off all communication to me about that particular credit card. So, my initial balance of around {$200.00} grew to around {$500.00} without notice. I do not feel that I am responsible for those charges since I was set up for using the ebill system and since I never received notice ( by phone/mail or email ) of any late or outstanding balance. I have never been late paying a bill. I want to know how someone was able to place this " cease and desist '' order on my account without me knowing about it. This seems like some sort of fraudulent activity. I would have never known about the missed payment had I not gone back to Macy 's to buy something else. This is a terrible business practice. I also think that my credit report needs amended and my late or missed payments should be removed. I attempted to reconcile this matter witch Macy 's and or American Express and I 'm not sure if that was accomplished. I spent multiple hours on the phone and nobody quite understood what I was talking about. I understand that I am responsible for my charges and I have no problem paying for those. I am concerned that since the system that I had in place to pay my bills did not work properly, any notification to me was cut off by the credit card company and I would be left with a balance that would keep growing to this day. That does n't make sense to me and needs to be fixed.

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 2016-09-14
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Over one year ago I ordered a chair from a company in XXXX, Ky. In order to complete the order which would take six weeks to get the company rep. took my information and stated they had special deals with a particular credit card company. I obtained the account information with a few weeks ( listed below ). After seven weeks I had not received my custom chair as ordered. I contacted the chair company and was told it would be at least another six weeks, because they were so backordered. I asked the rep to cancel which she promptly and courteously agreed and I have no further correspondence. The chair company rep did give me the " credit card '' company 's toll free number in to cancel the card account since I did not need another card and was not going to get the merchandise I was going to get on the credit account. I contacted XXXX XXXX and asked them to close the card account, to which the agreed. I have never used this card account or received any merchandise or service charged to the this account. They continuously harass and send me threatening letter and phone calls. I get statements which I have disputed in writing but stye continue to send account statements show interest and late fees being billed to me on this account and the original amount of approx. {$300.00}. As i have stated to XXXX XXXX reps many times, I never received the merchandise that was first order that started the account and I have advised them of this several times.

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

Complaint:
XXXX national Services keep bothering about a Bankruptcy. They have to know that U.S.Bankruptcy Court XXXX District of New York closed this case # XXXX.By law I do n't owe any money. 
Now I 'm trying to rebuild my credit.

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 2015-04-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
COLLECTOR KEEPS CALLING MY NUMBER XXXX OVER AND OVER AGAIN, WILL NOT VALIDATE OR CEASE AND DESIST. COLLECTING FROM XXXX XXXX XXXX, XXXX, AND HE DOES N'T LIVE HERE!

Company response to consumer: Closed
Consumer complaint received 2015-08-13
Company: U.S. BANCORP
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
XXXX Visa gift cards issued by US Bank were purchased at the same time XX/XX/XXXX and location, the XXXX store, XXXX for {$500.00} and XXXX and XXXX for {$200.00} I have the receipt for the purchase. The {$500.00} card was lost so I called the number given to report the loss ( XXXX ) only to be told to send the information along with a receipt via fax to # XXXX this was on XX/XX/XXXX as of XX/XX/XXXX I got no response from anyone so again a call was made and was given the same instructions then again on XX/XX/XXXX at which time I asked for a supervisor only to be transferred to what they call an expediter only to be given the same instructions. On XX/XX/XXXX I called and again told same thing. This has dragged out now for some time and no one will say anything other than you have to fax the info to the number given and nothing else can be done until I hear from them, only I have never been contacted from anyone. I do n't believe at this point that they have any intention of doing so and wonder how many others they just ignore and hope they give up trying only to keep the money for them selves I feel they are scamming people out of a lot of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-13
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My wife and I are to over whelmed with the excuses Citi mortgage has gave us, in order to not assist our loan.We have applied for a government modification many times and Citi mortgage has done everything in there power to pro-long my loan further more behind. In 2012 I received a notice from Citi mortgage stating I was eligible for the Clarity Commitment modification or the National Mortgage Settlement modification based on the national settlement from the lawsuit filed against Citi mortgage. However I never received an approval or denial. We are extremely concern because no one ever returns our calls to give any update. We are willing to negotiate with my investor XXXX and with Citi Mortgage to come with an agreement and therefore we can keep our house.

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