BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-09
Company: Army and Air Force Exchange Service
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
My commander was contacted on several occasions due to payments I made late on my exchange credit program ( ECP ) card. As your site says below, this is illegal, yet it is right on the ECP 's page of frequently asked questions payment questions. I understand that this matter is right in their terms and conditions, however, if this matter is truly illegal, there should n't be any " wiggle room '' in the matter.

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 2015-04-23
Company: Cadence Bank
State: MS
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello, Please find enclosed, documents for your review. I am filing a complaint against Bancorpsouth regarding the merchant XXXX XXXX in the amount of {$4900.00} filed on XXXX XXXX, 2014. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: I.C. System, Inc.
State: WA
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:
IC Systems changed the original date of delinquency on an account that has been removed from my credit report for a long time. They showed a very short time frame and moved the date to XX/XX/XXXX as the origin and XX/XX/XXXX as the close. Due to the short period, I strongly feel that this was done knowingly and purposefully. I have never been contacted by this company, and the only reason I was aware that they had performed the illegal action was due to an alert to a change on my credit report. I have started the dispute process with XXXX, but do not feel as a consumer that I should have to wait 30 days for a response to this illegal action by the collection company. This illegal action has made a considerable reduction to my credit score and limited my ability to use what I have worked for. As re-aging is clearly stated as an illegal practice, I would like for further action to be taken against IC Systems for their purposeful deceptive tactics. I will file this complaint as well as pursue other avenues to correct my report and ensure that IC Systems idoes not attempt to use fraudulent tactics in my reports in the future.

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 2017-03-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
www.consumerfinance.gov Here 's the situation, and PayPal has been doing this to be MULTIPLE TIMES! 

I was sending {$53.00} via transfer to my husbands PayPal account from mine PayPal account as PayPal does allows for all people, to have multiple accounts they are now withholding my funds and the time to purchase the anniversary item is running out of time! 

Please contact them release the funds NOW so I can purchase! 
If I have to I will start a class action against them as I am already on the " XXXX PAYPAL '' CASE which could be a reason why they keep targeting me. 
I wanted this for anniversary gift : PAY PAL IS BOTH " FRUADING '' AS WELL AS " SCAMMING '' PEOPLE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-09
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I borrowed {$3500.00}, 24 month same as cash. Regency Finance set the payment due to {$140.00} per month, however at that amount I would need to pay more than the payment due, or pay for 25 months. They never informed me I would need to pay more monthly to satisfy the 24 month contract. They then assessed finance charges and interest because it was not paid in full within the 24 months with the monthly payment they set forth. This is deceptive and a fraudulent scam to trick the consumer to being XXXX payment shy of payment in full. Shame on you Regency.

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 2015-12-12
Company: EOS Holdings, Inc.
State: AK
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 was charged off in 1997, it keeps getting bought again and this starts ... it was originally a truck repossesed from me and not for late payments. I was repossesed because they said I might move back to alaska. They would not let me even get my wallet or anything. Even so this should be long gone it is XXXX years old. This is atleast the XXXX outfit to try this ... this was an original shady deal, i owed under XXXX and was making my payments. I had XXXX small kids at the time and have after talking to original lender, decided not to ever pay it. By the same token they cant call all the rest of my life ... 7 years .... that has come and gone!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: EOS Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eos cca contacted me by phone saying that I had a {$270.00} debt from XXXX from 2012 and asked for my credit card number to pay off the debt. I have never had an XXXX account in my name, and had certainly never received any type of notification of debt. The only information I could find on this company was on XXXX and I read several stories similar to mine. I called XXXX and they had no record of me having an account or ever having a debt. I called Eos and told them this and they said that a customer service representative wouldnt know since they sold the account to the agency. I then called XXXX back and they said that even after they sell an account to a debt collector, they keep a record of who they sold it to and such, the account does n't just completely disappear. Eos said they would send me a fraud kit to fill out but it just does n't seem legitimate. They also said they already reported me to the credit bureau which seemed more like they wanted me to go ahead and give them my credit card number over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act CAPITAL ONE Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax is reporting XXXX a count which does not belong to me in about of {$1200.00}. This is not mine. I disputed it with XXXX and they did agree and removed it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
My husband and I opened a savings account with Region 's Bank a few years ago and had my husband 's SSD directly deposited. The bank suggested with open a XXXX XXXX XXXX account which we did, not the bank has put us on notice if we do not open a XXXX our savings account will be converted to a regular savings account with numerous fees. I think the bank does not care about loyal customers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: Nationwide Biweekly Administration, Inc.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm pretty feed up with payment processors sending out mailings that resort to scaring people into reading their mailer and possibly tricking a consumer into calling them. 

The mailer i received today has " Mortgage Payment Information Enclosed '' most prominently displayed on the front of the letter in bold, red letters. It also has the return address of " Loan Payment Administration '' and through the window has " Regarding your : '' and my current mortgage called out by lender name. 

The body of the letter also states the direction to " Contact us by XXXX XXXX, 2015 '' and that " if you decline the biweekly program, you will be asked to confirm that you understand that you are voluntarily giving up the interest savings and loan term reduction. " We know what they 're doing and while it may be technically legal because they 've found the right loopholes, it 's still predatory. They must be tricking some people into calling, otherwise why would they do it. It should not be allowed. It 's just flat out dishonesty and that sort of dishonest should not be tolerated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. 

He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. 

My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. 

In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. 

In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. 

I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. 
We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. 
Any help with be greatly appreciated. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: AFNI INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: EOS Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: MARINER FINANCE, LLC
State: FL
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 creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer credit report.

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 2015-09-24
Company: Oracle Financial Group LLC.
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05
Company: MARINER FINANCE, LLC
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I contacted Mariner Bank requesting debt validation and they have yet to send it to me. I have however rec 'd XXXX threatening letters telling me to get online and pay now or I will be hearing from their attorney. I asked them three times not to call me at work and three times they violated my request. I am not allowed to receive calls at work. Secondly I instructed them to stop calling anyone but myself to discuss this and on XXXX XXXX, 2015 XXXX called a friend of mine in XXXX XXXX Texas after I specifically said not to. I have given them my contact information and told them to write to me and they still refuse to do so and seem to be using the bullying attempt. They are calling his house and they know I do n't live there. I am in financial bind currently due to having to leave a violent home situation and he will not give me my belongings..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Holloway Credit Solutions
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Citi misposted late payments to XXXX of my old mortgage accounts late XXXX and XXXX. I submitted a complaint in XXXX XXXX ( Case # XXXX ). Citi agreed that those late payments were posted in error and agreed to correct my credit history with the XXXX bureaus. However, I pulled my own credit report this morning, and to my disgust, I learned that Citi has re-aged those XXXX accounts to reflect recent activity that I have not had, which means that these accounts will not drop off my credit until XXXX. Re-aging accounts is unethical and illegal. XXXX of the accounts was due to be removed this month ( due to age ), and the other XXXX is due to be removed XXXX. The clock should NOT be reset because they are correcting something that they have posted in error. I have had XXXX activity on these accounts for many years. Instead, Citi has decided to show these XXXX accounts as charged off in XXXX XXXX - THIS IS INCORRECT!!!! All they had to do was remove the late payments that were erroneously posted. This lender is trying to disable me from ever being able to buy a house for me and my family by continuing to destroy my credit!!!! I am a single mother of XXXX young children, and I have been working very hard to recover from a divorce and period of unemployment - please stop punishing me by pummeling my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was unemployed for the bulk of XX/XX/XXXX and fell behind on my credit card payments with Citi Bank/Best Buy Mastercard. In XX/XX/XXXX I called to start a payment plan with them to return my account to a current standing. I was told by the representative that if I made XXXX payments of {$88.00} each my account would be brought current again and I could begin to use the card again. I made my XXXX payment in XXXX. In XXXX I received some extra income and called to see how much of a payment I could make to become completely current and under my credit limit. I was told that my account had been closed in XXXX and that I could n't bring it current just pay it off. In XXXX I pulled my credit report and found that the account was n't actually closed until XXXX, meaning I could have saved the account and only had late payments instead of a closed account on my credit report. Citi is still charging late fees to the account monthly, and was even charging late fees while I was on a payment plan with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Kross, Lieberman & Stone, Inc.
State: NC
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was seen at XXXX in XXXX who then sent personal information to Kross Lieberman & Stone. Kross Lieberman & Stonesent personal health information what type of procedure and reason for my visit which has to be in violation of HIPPA. I also do not see Kross Lieberman & Stone licensed to collect in the state of NC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX, I opened a citibank citigold checking account under a promotion code XXXX which offers XXXX AAdvantage ( R ) bonus miles. Before I opened the citigold checking account, My husband had a online chat with customer service representative XXXX on XXXX/XXXX/XXXX. We were confirmed by XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' " Here are the Required Behaviors to earn XXXX XXXX Miles. 
Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card which must be posted to the new checking account. 
And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I never had citigold checking account before and I have citibank credit card. I meet all the promotion requirements so I opened citigold account on XXXX/XXXX/XXXX. After I opened citigold checking account, I met all the requirements. On XXXX/XXXX/XXXX, I got confirmed written secure message that " Yes, as of XXXX/XXXX/XXXX, you did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. 
XXXX XXXX, I am glad I was able to confirm your miles to be credited to you. ". I did n't receive XXXX american airline bonus on XX/XX/XXXX and sent an secure message to ask why on XXXX/XXXX/XXXX. I was very surprised to be told I was not targeted for the promotion. We were clearly told by citibank customer service representative XXXX that " This promotion is for all existing credit card members who do not have a consumer Citi checking account. '' on XXXX/XXXX/XXXX. Also I was confirmed via secure message that " I did meet the final transaction for your offer. These XXXX bonus miles will be credited 90 days from your ending statement period. This is no later than XX/XX/XXXX. ". I have everything in writing. Since XXXX/XXXX/XXXX, I have asked citibank many times about the status of XXXX XXXX bonus miles. As of today ( XXXX/XXXX/XXXX ), citibank is still not honor what they promised. I feel it is not 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 non-monetary relief