BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I began refinancing my home with XXXX XXXX on XX/XX/XXXX. I was told by a XXXX XXXX representative it would take about 30 days ; so therefore I should n't make my XX/XX/XXXX payment because it would be covered in the payoff check. On XX/XX/XXXX I was notified by XXXX XXXX that Carrington Mortgage would not send the payoff amount for 30 days. I attempted to make my XX/XX/XXXX payment on XX/XX/XXXX to avoid being late. I was n't notified by Carrington until XX/XX/XXXX that my payment had not been received. So I tried again, using a different bank account, to make my XX/XX/XXXX payment over the phone to avoid being late. Again Carrington stated they were not able to process my payment. I requested the information from Carrington today XX/XX/XXXX to send me the information I input into carrington automated system. Carrington is stating that I must have said or entered the wrong information into the automated system. I remember vividly having my checks in front of me as I typed or stated my account number. I have pleaded with Carrington endlessly to remove the late payment off my credit report and they refuse. I asked for the once a year late payment be removed and they said no. I believe Carrington did n't report the information fairly. If I had been notified immediately the check was n't processed in a timely manner I would have paid it again. It surely does n't appear to be fair to me the consumer because they have an out dated automated system. When I finished paying my payment I received a conformation number stating payment was received. If the automated system could n't find my bank because of bad routing number or a bad bank account it should n't have sent me a confirmation notice stating my payment was received. Most automated systems wont allow you to put in incorrect information and send you a confirmation rely stating they received the funds, when they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage is reporting incorrect information to the credit bureaus. They have failed to correct my account balance and are still reporting an incorrect balance and that I am 30-60 days late on my mortgage and that I owe them money. I do not. I paid my XXXX payment on XX/XX/XXXX because they said they could n't get the money because I did n't put the correct account number which I know I did. I paid my XXXX payment on XX/XX/XXXX. Carrington Mortgage knowingly and unlawfully are not reporting the correct information to the credit bureaus. I believe this is intentional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citibank " Citigold '' account which offered a sign up bonus if I completed certain transactions. I did that, and they sent me a message ( attached ) saying " Upon reviewing your account, I am happy to confirm that as of XXXX/XXXX/16 you have completed all requirements for this promotion. You can expect your XXXX miles XX/XX/2016-statement cycle. '' Despite this, they now claim that I 'm not eligible. Clearly they stated that I was able to receive the bonus. It is totally unacceptable to now change this.

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 2016-07-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
i was issued a credit card thru citibank, a visa card to replace my XXXX costco card without my permission before the due date on the previous card was due for payment. I tried to make payment and was given instructions to call citibank and pay them. I called on four different occasions and could never get thru and then found a number online and waited about an hour before i was able to make payment but still could not cancel card and was told i would have to call another number. I did that and finally got thru to someone to turn off card and started thinking, how is this legal. I never asked for a different company. It seems to me that they should have given you a choice to accept the new company or just pay your bill and they would cancel your card when it became obsolete. I did not want another visa and especially one with a 15+ interest rate. I can see citibank making a lot of money charging interest fees on money that was transfered to their high interest cards with no easy way to pay. I have never had a buisness or credit card company do that before and the letters they sent out were misleading. They kept saying do nothing. I assumed i would get a closing bill with an option to switch. That would have been the right thing to do, instead they did the sleazy thing that pretty much seemed like bait and switch to me. Is there a way to keep companies from doing this?

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 2016-01-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
This bank has no issue placing hard inquiries on my credit report but keep sending me letter saying they ca n't verify me. I have mailed twice to the fraud specialist that they give people in customer service when they receive this letter and she has not once e-mailed, mailed, or called me! No one in customer service has ever allowed me to verify anything, send in documents, nothing and my XXXX credit report is up to date and verified and monitored by me daily! 
I have also made XXXX complaints to your office and each time the bank has wrote in response to you that they think my identity has been stolen and that is why they have denied my application. That seems interesting since the information on the application matches my credit report, I 'm calling saying it 's me applying, I 'm offering to send in verification, and I have filed XXXX Consumer Financial Protection complaints that they are not fairly processing my application and yet they give you the same XXXX answers they provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XXXX 2015 i accessed my free credit report and noticed a Medical bill. I have disputed the bill every mmonth since then 4 times. XXXX and XXXX removed the innaccurate collection. XXXX is still reporting that i have a collection. I have called Account Resolution Services multiple times and asked them to validate the debt and provide more information which they have not done to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: PA
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:
I recently reviewed my credit file and noticed some inaccuracies. I as the credit bureaus to verify and XXXX removed the accounts. I sent the results to the Equifax and XXXX but the continue to say the information is correct. My question was if XXXX found the items to be incorrect how are the verifying the data. All report must be a the same on all three reports. XXXX then, reinserted the accounts without proper notification as required. Under fcra sec 1681i sec 611. the following accounts are listed below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with to the FCRA these creditors have violated my rights under the following credit reporting laws 15 U.S.C 1681 sec 609 PART 5 15 U.S.C 1681 sec 604 A sec 2 15 U.S.C 1681 sec 602 A

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I received an offer from American Express that promised XXXX bonus rewards points if I spent {$1000.00} in the first three months. I spent {$1000.00} and was never awarded the XXXX bonus points. When I called American Express customer support, they informed me that it was n't the offer I signed up for -- which is completely inaccurate, as I specified this promotion when I signed up. This is no less than fraud in deceiving me to sign up for a line of credit with them under false advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BBVA XXXX closed my accounts out of the blue with no explanation. 
To my knowledge nothing happened with the my accounts that that could result in that. No bounced checks, no negative balance accounts, nothing. That they do n't even care to explain leaves every possibility open, including but not only discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage Services bought my mortgage from XXXX XXXX XXXX in XXXX 2015. Since then I have had nothing but trouble : I waited until almost XX/XX/XXXX to get any information on my account, they did n't honor my escrow decrease from XXXX XXXX XXXX, their escrow calculation resulted in a large jump in monthly payments which I requested to have spread over XXXX months and the representative never submitted my request. If I was n't so vigilant about my mortgage I could get really screwed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I want to open a complaint against the following XXXX department Store there reference account # is XXXX. I have been since the beginning of the year 2015 asking for a SIGNED CONTRACT DATED by me. They have not sent me any information since. I have asked also all three credit reporting firms for proof of this account. I understand that All 3 credit firms can not supply. But I have asked XXXX for valid dated signed proof more than 5 times since the beginning of the year. NOTHING!. All they say is " yes this account is yours '' I go back to them telling them these letters are not enough, I WANT A COPY OF THE CONTRACT WHERE I SIGNED AND DATED PERMISSION TO OPEN THIS ACCOUNT. Please I need help. This is hurting my credit report. I am starting a new clean plate on this issue doing this online with cfpb, I have spent a large amount of money, I have asked everyone for proof. The amount of letters - paper ink wasted on asking these people for valid proof. Please someone in this firm help me ask this company for valid signed proof. If they do n't have my valid signature, then remove this from my credit file immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citigold checking account in response to a bonus offer of XXXX XXXX XXXX miles for doing so. When calling to apply for my account on XXXX XXXX, I spoke to a Citi representative named XXXX who explicitly confirmed my eligibility for this XXXX miles offer. On XXXX XXXX around XXXX, I spoke to a New Account Services Supervisor named XXXX because I was upset about changes in the methods available to me for funding this new account. XXXX convinced to continue with opening this Citi account and provide Citi my funds and business by confirming that I was eligible for this offer and would be receiving the XXXX XXXX bonus miles upon completion of certain bill pay criteria. In XXXX, upon completing the account requirements described in the initial offer and confirmed by XXXX, I sent a message to Citi through their online banking site to confirm I had completed the requirements for this offer and asking when I should expect to receive my miles. A Citi representative responded by confirming I had completed the steps and I should expect to receive the bonus after several statement cycles. In the meantime, a {$30.00} account monthly maintenance fee started being charged to my account. After several cycles, I contacted Citi about the delay in receiving my miles bonus. The eventual reply was I would not be receiving the bonus because I was not actually eligible. So I was informed multiple times that I was eligible for the offer in order to get my business and until Citi started receiving a significant fee from my account, only to now be informed that I am not eligible after getting my business and my money. Citi should honor the promises made by their representatives on multiple occasions and provide the XXXX XXXX signup bonus.

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 2015-04-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX and XX/XX/XXXX - I tried to make a payment to Carrington Mortgage Services company on their website, as I 've been doing in XX/XX/XXXX ; however, the website would not take my payment stating that I did not meet a certain criteria. I called the XXXX customer service line to understand the criteria ; however, they were unable to explain the criteria and wanted me to pay {$15.00} to accept my payment over the phone. I requested a Supervisor/Manager and they disconnected me from the line. My loan is not late, and I do not have any issues regarding my payment history. 
Desired solution : - They need to have a policy regarding calling payments into customer service that does not include paying {$15.00}, if they have proof that their website is not working properly. The website is free, and I would prefer to use it to make payments, but it was not working. 
- When a Supervisor/Manager is requested, they should have a process to connect someone with the Supervisor/Manager and not hang up on that person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Issue: Late fee

Complaint:
I applied for a Citi Double Points credit card earlier this year. I understood that I had set up autopay with my bank account, as I do with every credit card. A couple months later I received an email stating that my " late fees '' had been waived. I called Citi, explained the situation to XXXX different representatives, and understood that my autopay was successfully set up. Last week, I tried to use my card and the card was denied. I checked my statements and discovered that Citi had charged me XXXX separate late fees -- WITH NO NOTICE -- and apparently opted to suspend my card with no notice as well. The representative on their chat interface refused to refund my fees and threatened that I needed to make a payment as soon as possible. 
To be clear : Citi did not send me a letter, or an email, or a text or called me to inform me of any issues with my account. The only correspondence I received were emails saying, simply, " your monthly statement is available online ''. If they had bothered to contact me in any way to say they had n't received payment, I of course would have responded immediately to rectify the situation. Instead, they simply charged a fee, then another fee, then suspended my card. I will contact an attorney friend the week to seek clarification on whether this conduct on Citi 's part is illegal or merely unethical but regardless, a consumer should absolutely have the right to know if there is a problem with his account, and given an opportunity to address the situation, before fees are secretly charged against him. This smacks of a revenue-generating strategy and is undeniably a shady practice unbecoming a national company.

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 2015-10-07
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had a {$2.00} outstanding balance on my Macy 's credit card for 2 months, which has been paid online twice. I '' ve never had a late payment and I certainly do n't want one over a {$2.00} balance. I have tried to call and email regarding the balance but I can not get a live person at XXXX or XXXX ( which says they are available 24/7 but I hung up after listening to 10 minutes of advertisements ). I then attempted to " close '' my account but again had to hang up after waiting on hold for 30 minutes. I also tried the " contact us '' option on their website and it just took me back to " make a payment '. So, I have XXXX issues, a payment that was made twice online and did n't register and the fact that their phone systems and website just take you in circles and you can not a live person.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I received dental procedures and the office manager explained how much it would cost and advised that my insurance would pay for the majority of the procedure given. I only received a XXXX and a XXXX, which cost almost {$10000.00}. It was my understanding that I only needed additional money to complete additional XXXX services, therefore, I was advised to sign up for Care Credit. I really did n't understand the way it was explained to me and the office manager called my mother over the phone to co-sign. The way it was explained was too complicated and not easily understood by me or my mother. I thought that the Care Credit would only be used for future XXXX services, but come to find out that not only was all of my health insurance benefits used, but also the full balance of the Care Credit card. Now, my mother and I have a judgment on our credit for the full balance of the Care Credit card, because I could not afford the payments and I was sued. I did n't understand how much the payments would be, nor the total amount that would be used. The office manager never gave me a copy of the documents either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am experiencing issues involving my identification which has been used in the opening of medical accounts that have been appearing on my credit reports since 2013. Over the past ( 3 ) years I have asked that the ( XXXX ) bureaus assist me with acquiring verification from this company so that I can move forward in the removal of the entry from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was taken over by Carrington Mortgage Services from XXXX on or about XX/XX/2015. After multiple failed attempts to use there website I completed a payment transaction on XX/XX/2015 which is noted on my bank statement and accounted for on XX/XX/2015. From XX/XX/2015 my statement shows available balance to cover the payment. 

Recently I received a notice from Carrington that I owe a service charge of {$25.00} for a insufficient funds charge dating back to XX/XX/XXXX. I contacted them and they requested I submit documents proving I do n't owe the charge. 

I 'd suggest this is fraud. They obviously have a flaw, intentional or incompetent in attempting to bully me into proving I do n't owe something. 

I 've submitted my bank statement, their document mailed to me along with there website payment history for my account. 

Respectfully submitted, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: BBVA FINANCIAL CORPORATION
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.

Company response to consumer: Closed with monetary relief