BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In 2006 ( approx ) we refinanced our home with what we did not know at the time was a predatory broker ending in a predatory loan. The company which we were refinanced with was originally XXXX XXXX but then we were shortly sold off to Select Portfolio Servicing ( SPS ). At the time we refinanced our home we were not in any financial difficulty. We had, and still have " XXXX '' credit. We were refinanced for more than the home was worth at the time and given a adjustable rate that we were told we would be able to refinance out of before it adjusted. We also were unaware that the company and agent we started with, XXXX XXXX at XXXX XXXX XXXX did a comp on our home and not a true appraisal, which is why they were able to give us the amount of money they did. We were unaware of this as we were first time military home owners. They also gave us an 8.625 % interest rate ; we had a 5 % interest rate when we bought and had the same credit ( probably better, at the time of the refi ) We have been turned down for refinances because the mortgage is not XXXX or XXXX XXXX backed and because we were forced to XXXX they look at this as a second home and not our primary residence. SPS has turned us down for modifications telling us to sell property and continue to pay. We have now opted to short sale as we have been XXXX two additional times, and my spouse is now going out of the country. We have not been late but there is no help for those who have not been late. This year we started the short-sale process. SPS has taken over three weeks to approve the offer and in their documentation they state that once they get all mandatory paperwork it will take 10 days for a decision. The buyers have now backed out of the deal because SPS is not giving us any updates. SPS assigned us to a Relationship Manager who we are never able to speak to, and does not return calls and does not speak to our Broker who has been working the short-sale. Each time we call we have to talk to who ever answers the phone though they say they have a division in the company that handles Short-sales we are't allowed to speak with them. We have rented out our home for the majority of the time we have been unable to live in it but suffered damages due to renter. The home has been on the market since last year, we have adjusted the price several times and now that we had the luck of a contract SPS has stolen this from us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: Caliber Home Loans, Inc.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I recently bought a home in XXXX, SC. I informed lender that I would be applying for state residency, and when residency was achieved, my property tax would be drastically reduced, so the amount of monthly escrow would need to be adjusted. Lender said no problem, he would put me in touch with financial department and they would get it done. Upon closing, my mortgage was sold to another lender. Residency was achieved. Lender refused to adjust my escrow payments. This is THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received threatening call at my place of work. Caller identified himself as XXXX XXXX from XXXX XXXX. He verbally called me names such as " XXXX '' " Lying XXXX ''. Threatened to garnish wages, sue for total of {$15000.00} when judgment only states {$5000.00} and not mentioning of any current legal law suit or legal documents to state his facts. Furthermore, I verbally requested for them not contact me at work or during working hours and verbally requested all notifications to be done via letters by usps mail ; however, they keep calling. Collector stated that he does n't have to contact via mail and that he can do whatever he wants. I am concerned for my well being and mental health if this does n't get resolved ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
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 received a number of phone calls at all hours the day and night from Portfolio Recovery Associates , LLC. They NEVER leave what information they are calling about and when you call them back to find out they are rude and do not give you any information. I have also sent them a cease and desist letter on XXXX XXXX, 2015 and they still continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Other at fault driver hit my two week old car. I traded in damaged car. Accepted fact of damage from dealer my loss $ XXXX. I sent at fault ins company proof of loss. The dealer conspired with the insurance company and stated No damage was deducted from trade in damaged car. ( see letter from XXXX ) The insurance company refused to pay my actual loss as a result of the information supplied by the dealer..I consider this a conspericy to defraud me from my actual economic loss from the accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I attempted to cancel a Macy 's credit card recently, and was told everything would be all set. After a couple weeks I realized that the card still had a {$4.00} balance that was not explained. After calling Macys they informed me that the charge was an interest charge due to the fact that my last bill has not been paid despite the fact that I am on automatic payments. After some discussion they did agree to remove the charge however they never did. After another call back they informed me that the charge would be removed, but were unable to provide any kind of confirmation that it had been done, or and would not offer to call back to confirm. I asked to speak to another customer service representative in the hopes of finding someone who would be able to provide me direct contact information or call me back. Instead they simply hung up on me. Throughout this process the customer service representatives have indicated to me that their website is not functioning correctly and that there is no way that I can use it to check my balance reliably. At this time I still have no indication that any charges have been reversed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is a collection agency and is reporting inaccurate information about me to Experian. After my initial dispute they are reporting an account for {$67.00} on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: FL
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 Reporting act XXXX XXXX  Account number XXXX and XXXX  XXXX Bankruptcy reference number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not report an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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 call almost every night, sometimes twice a day looking for a person that I do not know. I have picked up their call to notify them not to call any more in the past. Since they change the number all the time, it 's not possible to block their call through my phone company. 

The company has been harassing me with unwanted calls for about year. Most of their calls occurred during dinner timeHere is call log showing last few days. 

PORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVToday XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIORECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX XXXXPORTFOLIO RECOVXXXX/XXXX/2015 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX fraudulent charges were processed by Citi Cards for {$100.00} per charge from XXXX XXXX XXXX XXXX. They initially credit my account, however after the merchant provided illegible documentation the reprocessed the charges even though i timely provided certification that neither I nor anyone authorized by me made the disputed charges. They further threatened to notify the credit reporting agencies that my account is past due if i did not pay the amount.

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 2017-04-28
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I am behind on my car payments, however I do pay and when I do I make addtional p ayments. Satander calle d an acquaintance that is not even listed as a reference and an ex boyfriend I have n't spoken to in over 10 years to ask for me and disclosed the nature. The call was made by  XXXX  at  XXXX , on  XXXX / XXXX /  XXXX  . Whenever I am  2 weeks past the due date, I will get 3 calls in the day. 2 hangups in the morning an d then a final  one  from the same person  XXXX . They will even cal l on Sundays. From the looks of my account they are only applying the payments to interest and not to prin ciple. I did not give them permission to call anyone other than me. They have my address and phone number. They was no reason for her  or Satander to call anyone o ther than me especially someone I have n't dealt with a very long time. My fear is that they will harass me at my job or anyone else they come up with. The only mail I have received is my monthly statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XX/XX/2015 I signed up for a Citigold account via a promotional offer # XXXX that advertised XXXX XXXX XXXX miles after completion of XXXX requirements : { { {$1000.00} } } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. I was told I had been enrolled for the offer and just needed to complete the above requirements in order to obtain my bonus. So I completed these requirements within the allotted time, confirmed conditions were met with Citibank, and waited for my points to arrive. After more than 90 days had passed, I had still not received my bonus, so sent an inquiry via secure message. I was told to continue waiting. After more time had passed, I reached out again, and was told they would investigate the bonus offer. I also went into my branch where I have the account with {$50000.00} balance several times and was told I would receive the bonus but I have not yet received it. I was then sent a secure message that that I would not receive a bonus. I was eligible under the terms and conditions and met the requirements, yet they still would not make good on their bonus offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
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 got a new phone number at work, and Portfolio Recovery is spam calling it every day. I do n't have any debt, and I want them to stop calling. 

I have submitted multiple complaints and they close all of them claiming I have n't given my phone number so they ca n't check on it. PLEASE VIEW PHONE NUMBER ON THIS COMPLAINT AND STOP CALLING IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me ( from A LOT of different numbers EVERY day ) every day. E V E R Y day. I owe no one anything. I had my accountant ( a few years back XXXX help me fix all of my debt problems and now have a credit score of XXXX ... who ARE these jerks???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XX/XX/2015 Citibank Credit Card closed my account with reason that they have the right to close my account at their discretion anytime without any prior notice. I have a credit balance on the account amounting to {$7700.00}. I asked them to direct deposit my funds but they said they are going to review my payments. If they had only contacted me and gave me a way to know that they are closing my account then i would not have paid my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a house with my husband in XX/XX/XXXX. He refinanced the mortgage without my knowledge in XX/XX/XXXX. He moved out and stopped paying the loan, forcing me to make payments from early withdrawals from my IRA. I requested a XXXX from the loan servicing company for tax purposes, but was denied this on the grounds that my name is not on the note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Harley Davidson Financial Services Inc
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a Motorcycle using HDFS in XX/XX/XXXX. During my loan obligation of XXXX months, I had several months when the loan was late. In XX/XX/XXXX I received a deferment and was told I would need to pay anadditional month at the end of the loan. After regaining a positive payment record during the last XXXX months of the loan, I came to the end of the loan and inquired as to how much interest remained due tolate payments. I agreed with the amounts and asked SPECIFICALLY " Do I continue to make payments as usual? '' and was told " YES ''. Despite specifically inquiring about due dates and payment terms, XXXX was notified of a mandatory " LUMP SUM '' Payment XXXX I received a late mark on my credit report. When I asked the customer service representative as to where in my contract it stated the " LUMPSUM '' balance was due, there was none. When I asked about the XXXX month extension I received during my deferment, I was told by a supervisor " I 'm sorry I do n't know, I cant help you ''. I expressed thenthat this is not fair credit reporting as I am making payments each month as I was advised to do, yet I am receiving added interest daily PLUS a late mark on my credit. A company should properly discloseto customers what they are being charged for, when it is due, the amount due and dates due by. XXXX XXXX was called to confirm next steps and failed to provide accurate information, continued totake payments yet reported to the credit bureaus as late. The male supervisor guaranteed the terms where spelled out clearly in my contract and I later spoke to a female supervisor who stated XXXX that it was n't. My credit is ruined and even after the long history was told " Common sense should have told me it was all due in XXXX ''. I do n't deserve to be insulted and this is business. 
Professionally I would like this resolved. I have made the payment of the balance in full and am demanding my credit file be updated to reflect what I as a consumer was told by the finance company I trusted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-15
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: CITIBANK, N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaint is against CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX miles. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the beginning of XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending long time waiting and explaining, I was told that she needed to confirm some information and let me know later. However, I never received a call from anybody from Citibank for this. The only thing I know is, Citibank charged me {$30.00} per month so I was charged total {$90.00} in these 3 months. I sent a few bank security messages for this matter. I finally received an answer, which I believed it is an excuse. The promo was offered to targeted customers while I was n't. This is not acceptable. If this offer was for targeted customers, why did CitiBank put it on their website. Why did my application pass through their review following the link? This was an unpleasant experience. I asked them to close my account instantly, meanwhile, warned to file a complaint to CFPB. My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.

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 2015-11-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I opened a Macy 's star rewards credit card in the store late XXXX this year when I bought an engagement ring. Later, I received a statement which I paid in full over the phone. More recently, I received a statement for my Macy 's credit card saying that I had a previous balance of {$4.00} due & now had {$2.00} interest for a total due of {$6.00}. If this is not paid on time, they threatened to charge me a late fee of {$32.00}. I had nothing due since this XXXX purchase was completely paid off & there have been no other purchases. I have called Macy 's credit card customer service phone number multiple times over the course of several weeks as well as emailed, but have received no response back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief