BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-02
Company: CURO Intermediate Holdings
State: NM
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
During a financial emergency I sought a fast pay day loan online and received XXXX through a XXXX recommended partner called Speedy Cash. Tried to make on time payments and pay the loan off multiple times by online payment and contacting them by phone. The website and the employees on the phone would inform me, every single time, that my card was declining. I called my bank they said there was enough money in my account, everything looked good on their end and that the card should not be declining. I continuously acquired the enormous interest fees even though I was actively trying to make payments. My balance kept rising, and they took payments out of my account at random times but they would only take the minimum amount so I would keep acquiring large interest fees. It was a long struggle to pay them off and to get them to stop taking payments whenever they wanted. I finally gave up and opened a new bank account. This loan will now likely reflect a negative credit record. It seemed very odd to me and I have determined that it might be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was sent a letter on Saturday that states that I do not have sufficient insurance on my property and that Caliber Mortgage was obtaining insurance on my behalf. They sent this letter after they increased my monthly mortgage without asking prior questions and without notifying me of any issues. 

I called in today and Caliber Mortgage refused to escalate the call today stating that no one above a supervisor is available and no one will in management will return my calls. XXXX # XXXX refused all escalation requests to anyone above her. She did not have a copy of the letter but kept telling me that XXXX did not get additional insurance on my behalf ; but that is exactly what the letter in front of me says. She did not know that my insurance is covered by the HOA and told me I have to send them all of my HOA documents to prove that. When I stated that they have all of the HOA documents as part of the closing documents and process, she could n't answer as to why they did not know that the insurance was included in the HOA dues. 

She was obviously being coached because she covered the receiver of the phone and I could hear someone whispering behind her and then she told me ... Your HOA has not updated us with your insurance and they were simply sending me a letter requesting help to get new insurance copies. That is not what the letter states at all. They do n't request any documentation from me within the letter ; it is just telling me that they have taken action by securing insurance because I did not have any. 

This is continued examples of Caliber 's constant mis-managing of my account and I 'm sure many others. This and the many other problems I 've had with Caliber show they are incapable of managing mine or any other mortgage. All Caliber needs to do is to email or send a letter to the HOA and a copy of that letter to me requesting an updated Insurance Binder for my town home and one would have already been provided by the HOA management company. The fact that Caliber did not know that my HOA covers my insurance was telling and the fact that Caliber did not reach out to the HOA for it is because they did not identify on the account that the insurance was covered by the HOA. 

I expect all charges to be reversed and my mortgage amount lowered. I want my loan sold to any other lender would be better than Caliber. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
AmeriSave Mortgage Corporation has acted in bad faith. 
At the beginning of my request for a refinancing, I asked whether AmeriSave would make a loan for a property held in trust. The answer was " yes ''. 

After my submission of approximately XXXX pages of documentation and payment of a {$570.00} fee, AmeriSave refused to close the loan unless I took the loan out of the trust. ( It should be noted that a copy of the trust was submitted very early on in the process. ) AmeriSave gives as a reason for refusal the fact that although the property is now held in trust as indicated in the title, the title lists only me as trustee whereas the trust also has my wife as a trustee. The said they would close the loan only if I took the property out of trust. AmeriSave 's bad faith reasoning is bogus, as can be demonstrated by the following : 1. A major bank refinanced this property several years ago with the exact same documentation and found no problem. The instrument used was the a standard XXXX document. 
2. Based on a suggestion by an attorney, I offered - at my expense - to have the second trustee put on the title. This would have cured the problem cited by AmeriSave, but they still refused to close the loan. 

I should point out that my reasons for not taking the property out of trust are two-fold. First, added expense. Second, mortgage notes prohibit the change of title without lender approval so I could not put the property back into the trust without AmeriSave approval. Based on their past performance, I can not take a chance that they would not permit my putting the property back into the trust. 
Summing up : AmeriSave has acted capriciously and in bad faith. Their condition for closing the loan is not according to early assurances and, furthermore, is unreasonable based on previous history by another lender as well as the refusal to agree to a simple approach suggested by my attorney which, cures the problem they cite.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Pacific Rim Alliance Corporation
State: AZ
Product: Consumer Loan
Sub-product: Title loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a vehicle registration loan some months ago. My intention was to work for a couple of months to pay it off. However I developed some health issues that prevents me from working and now I do n't have the income to get ahead of this loan. I am being charged 180 % interest and can only maintain the balance at around {$650.00}. It is not a huge sum but for me it is impossible to pay off. What can I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-28
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a call at XXXX from Harris and Harris, regarding a debt for unpaid tolls. The amount of unpaid tolls is less than {$100.00}, yet they are pursuing me for {$2000.00}, which is ridiculous. The tolls are from around six months ago. 
During this call, the agent told me that it was a municipal debt and it was a crime and that I could go to jail. It is my understanding that they can not suggest that I could go to jail, nor can they misrepresent the debt. 
In addition, I am currently legally XXXX and get only {$730.00} a month, which goes all to rent. I eat at the food pantry. It is also my understanding that they can not pursue you if you make under a certain amount. An amount of which I am sure I make less than. 
Can you please assist me in this matter, because I do not wish to get any more threatening calls from them? 

Thank you very much for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Billing disputes

Complaint:
I made a purchase from Macy 's in XXXX. I was pressured into applying for an instant credit promotion when I tried to pay with my debit card. I left with the items and did n't give it another thought. When I received no card or bill from them I assumed I had been denied and that it had been charged to my debit card. On XXXX XXXX, I got an overnight letter which appeared to be from Macy 's, but when I called the next day I discovered it was actually from a collection agency. The amount was more than doubled due to late fees and interest. I have contacted Macy 's and the collection agencies multiple times by phone and mail, expressing my willingness to pay the original amount but not the additional charges, as they would not apply had they contacted me in a timely manner. In addition to my mailing address, they have my phone and email information. I 've written Macy 's billing dispute office and received a package containing copies of past statements. This is the first direct communication from them, and I only learned the account number in question today, I have yet to receive the card these statements arise from. Obviously, Macy 's will have no evidence they ever sent it or that it was ever activated. As previously indicated, I have expressed my willingness to remit payment for the original amount, provided they waive additional charges and remove detrimental information from my credit report. This has not only caused me emotional distress, but financial harm as well since I am now being charged the top interest rate on another card because my rating has dropped XXXX points due to their actions. I remain hopeful this matter can be resolved without litigation. I appreciate anything you can do to help and thank you for your consideration. I look forward to hearing from you 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 2023-02-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} ; XXXX  XXXX Balance : {$7900.00} ; XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I applied for Citi ThankYou preferred card for students. The application was online and being a non resident alien, i selected this option. The app went on and ran a credit check on my social. Later the application was denied. I called the reconsideration line and she told me that that the application i submitted was not for nonresident aliens. Why would they allow me to complete the application and run a credit inquiry and then after all that tell me that the application was not for me.

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 2015-04-06
Company: CITIBANK, N.A.
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:
OK I DONT KNOW HOW THIS HAPPENS, BAD PEOPLE I GUESS. BUT ANYWAYS I SENT THIS PLACE A LAWFUL NOTICE THAT THE ACCOUNT IN QUESTION IS NOT MINE AND SO IT SHOULD NOT BE ON MY REPORT AND SO THEY SHOULD STOP CALLING ME

Company response to consumer: Closed
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Rewards

Complaint:
Hello, I signed up for a Citi Checking account in XXXX 2016 for a promotion to receive XXXX American Airline Miles ( Promotion : XXXX ). On XX/XX/XXXX I had not yet received my promotion miles, so I made an inquiry with Citi. They responded with a letter stating that " We have confirmed that your account has met the necessary requirements to qualify for Promotion XXXX. Please allow 90 days from the date of the qualifying transactions, which satisfied the terms and conditions ( Which would be ~XX/XX/XXXX ). 
Since then, I have chatted with customer support on at least 3 occasions, of which I kept record of the chat. Each time, customer service says " We have started an investigation, you will receive a reply within 24-48 hours. '' However, no reply has come. 
I have been caught in a never ending cycle of chatting, waiting, no reply. The part that makes this so frustrating, is that they charge me {$30.00} each month to have the checking account open. My confidence in Citi to be able to resolve matters in a reasonable fashion has been absolutely destroyed. 
I suspect that it 's Citi 's intention to drag me through the mud, promising promotion miles, then charge me {$30.00} a month while I wait.

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 2015-12-12
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
XXXX is currently reporting chargeoffs accounts to the credit bureau ending in XXXX with balance {$1900.00} and account ending in XXXX with balance of {$3900.00} and account ending in XXXX with balance of {$850.00}. These accounts should be reported to the CRA with {$0.00} balance. XXXX are in violation of the FCRA. I had file complaint previously with case XXXX, XXXX and XXXX. XXXX of the accounts are being handled by XXXX XXXX collection agency and the other by XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down XXXX points ) because the balance was instantly above my credit line. 
I feel it is because they do not have the capital to lend anymore ... is that legal.?

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 2016-10-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank closed my Walmart Credit Card based on information over 3 months old and has in the past taken action on old information causing serious harm to my credit score. Every time I had any available balance they would immediately lower my credit limit so there was nothing available again. Every reason they quoted for closure has revolved less than 10 days after the date of the info they used and was updated on the credit report claim to have used, they chose to use old info to validate their decision instead of the current info, when I called & contested the decision they told me there was nothing they would do, They also are the bank on my Old Navy card & have taken similar actions in the past, lowering my credit limit so there was nothing available regardless of actual history on that card. They lowered it over {$500.00} in one month alone and continued taking similar actions.

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 2016-11-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Monthly agreement was made with Synchrony Bank to make payment on the XXXX of every month in the amount of {$21.00}. Creditor is calling stating that I am behind in payments, which I am not. And stating that I have a different due date then agreed upon. I have repeatedly informed the representatives of my agreement. They apologized however they continue to harass me day and night continuous calls. Some Representatives argue and keep continuing to try to collect payment. I have not been late on any payments and wish this continued harassment to end.

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 2016-11-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have hard inquiries for a car in XXXX 2014 I should not have any inquiries concerning a car in late 2014. I purchased a car in XXXX 2014. I am not sure where they came from and previously sent to XXXX & Experian to have those hard inquiries removed with no success.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Conn's, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
On or aboutXX/XX/2017 a field agent for Conns Home Plus store at XXXX XXXX NCXXXX XXXX came to my residence in a white box truck. Asked people outside my home did I reside here and was I at home. They proceeded to tell the gentleman I was at the hospital and the gentleman left 1 sheet of paper with one of the people that was standing outside my residence. Upon my return I was given the paper which appears to be a print out from Conns Home Plus system which included ALL my vital account information on it. This is/was a direct violation of the FDCPA and third party disclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was a XXXX XXXX Credit card customer since 2006. I have never for the history of the card ever had a late payment on this account. XXXX apparently no longer handles my XXXX card which is now serviced XXXX XXXX signature credit card services. This new firm did not send me any notification of the change in providers. I was not notified of any outstanding or delinquent balance on my account. The only reason I discovered this outstanding balance was I registered for my free credit monitoring due the XXXX account hack where I discovered the outstanding balance of {$43.00}. As a result of not notifying about this balance my credit report has been dramatically impacted due to this delinquent balance. Upon finding all this out the balance was paid for in full and the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was put under Financial Review. I submitted the requested information the same day it was asked for ( XXXX/XXXX/2016 ). A few days later I received a voicemail from XXXX XXXX and I returned her call, only to get her voicemail ( during her working hours ). We played phone tag XXXX or 3 times. On XXXX/XXXX/2016 I was notified by mail that my account with AMEX was closed. I called AMEX ( an option in the letter ) I was told my financial review was n't done because they needed more information and it was not obtained, therefore my account was closed. However, this was never told to me in any of the voicemails from XXXX XXXX. Again, I was directed to XXXX XXXX and we played phone tag 2 or 3 more days, the last call that was made was me leaving yet another voicemail for her, to this date I have not heard from her. I then wrote a letter to AMEX ( that was another option. ) I asked them to call me but I have yet to hear from anyone with AMEX. This was 30 days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: TRANSWORLD SYSTEMS INC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received XXXX phone calls today, XXXX calls yesterday and two calls a day on a {$92.00} debt that I owe. They do not leave voicemails or really have any information they can give me on the dates and time i owe the debt. They say it is for XXXX XXXX. They are calling me at work and I 've been reprimanded for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief