BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-27
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been working with the servicer BSI Financial Services. 
I received a letter indicating to send payment to them I also received a call to send my payments else where. The first thing I did was sent them a validating letter to validate the debt starting on XXXX/XXXX/2015. Including the trustee XXXX. BSI Servicer did not respond to any of my letter. I sent the following letters. 1. QWR 2. Notice of default 3. 2nd Notice of default. 4. Non response. 5. default. 6. Cease and Desist. I also receive calls saying they were modifying my mortgage which never happen. BSI and XXXX XXXX trustee foreclosure on my property and sold it to a 3rd party. XXXX is the evidence of paper work. This foreclosure was an illegal foreclosure they never validated the debt nor they had the rights to foreclose on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/15 I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited at XX/XX/XXXX, Citi has decided not to honor the promotion. Citi has decided that I wo n't receive the points unless I find a postcard from 6 months ago. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. Now I have {$90.00} of fees and I will not be getting {$400.00} worth of Thank You points. This is NOT right. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done.

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 2016-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I have a charge card with Home Depot/Citibank. I had a outstanding balance of {$2.00} which I made a payment on time, in cash, at a Home Depot store. I Saved receipt. 
Citibank claimed they never received it. After calling three times to clear up. They continued charging my account interest payment for 2 months which they reported to credit agency as a failure to pay. My credit score went from XXXX to XXXX. 
I finally went to store and addressed the payment I made of {$2.00} on XXXX/XXXX/16. They discovered the cashier applied my payment to wrong account. Called back Citibank with Home Depot manager on the phone and she explained the error and we both were told they would take care of the mistake. They would apply the payment I made, reverse the interest charges and contact credit reporting agencies of there mistake. As of today they have not repaired my credit, reversed charges. I have personally talked to 2 Citibank supervisors, 2 regular agents that tolded me they would take care of this. No action. 
Please file a complaint and attempt to repair this situation of credit fraud. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX

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 2015-09-30
Company: CITIBANK, N.A.
State: MS
Product: Credit card
Issue: Delinquent account

Complaint:
I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: TX
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:
I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I SUBMITTED A CHURCH CHECK FOR MY HOUSE PAYMENT FOR XXXX 2017 AND THIS SERVICER INTENTIONALLY DESTROYED IT SO THEY COULD HAVE THE OPPORTUNITY TO FORECLOSE ON ME. THIS HAS BEEN PROBLEMATIC FOR THE LAST SEVERAL YEARS. IN ADDITION, THEY ARE CLAIMING THAT I MISSED MY XXXX PAYMENT, WHICH IS A LIE. THEY ARE WORSE THAN THE WORST. EVERY YEAR THE XXXX HELPS ME OUT FOR ONE MONTH OUT OF THE YEAR AND THIS SERVICER WILL NOT ACCEPT IT, WHICH IS ILLEGAL. I HAVE POSTED THIS COMPLAINT AND IT IS VIRAL AND WILL BE RECEIVING RESPONSES FROM VARIOUS. I WILL NOT ALLOW THEM TO INTIMIDATE NOR THREATEN ME IN ANY WAY AND ACTION WILL PREVAIL AGAINST THEM. 

THEY ARE PENNY MAC AND ARE A WHOLE SALE ONLY. THEY ARE NOT AN INSTITUTION AS THEY PRESENT THEMSELVES TO BE. THEY ARE FRAUDULENT AND THE SERVICES THEY OFFER ARE WITH BLOOD ON THEIR HANDS AND THEY ALL SPEAK WITH FORK TONGUE. THEY HAVE LAW SUITS AGAINST THEM AND THAT TOO, IS ON THE WEB. I WOULD NOT RECOMMEND THEM TO A SHARK. 

THE GOVERNMENT NEEDS TO INTERVENE AND CLOSE THE DOORS, AS THEY CONTINUE TO BE PREDATORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good Day : I am experiencing hardship and my mortgage is upside down. I solicited help through HOPE and was connected to XXXX. Who assisted me with my application with Citimortage for a loan modification. My application was sent XX/XX/2015. We were assigned an agent who we found to be very disrespectful of our time. Both the counselor from XXXX and myself were extremely disappointed and filed a complaint with a CitiMortgage supervisor. After our complaint were reviewed, I was assigned to another agent. 

I find that CitiMortage makes it difficult to speak with agents and deliberately makes the process daunting. Also, agents do not keep their appointments which makes the process very difficult. 
After calculating my expenses etc and going over my present hardship. XXXX agreed that I qualified for the Making Home Affordable Program. And suggested what my mortgage will be reduced too to assist me. 

Due to the fact that my XXXX counselor is on the XXXX XXXX and I am on XXXX. We scheduled specific times to speak with the representatives at CitiMortage, who made the process very difficult. 
When, I finally got my application in. The process became very confusing and I felt that either the process is discriminating, or CitiMortgage designs the process to frustrate its borrowers. 
I received a document form Citimortage on XXXX XXXX. Stating that I will receive information concerning my Making Home Affordable Modification Program, Payment Trial Payment Plan. The letter stated that once I met the terms of XXXX XXXX. My loan XXXX be permanently modified. 
After this letter I continued to received other notices that did not make sense. 

I called my agent at XXXX, she explained that the letter usually proceed with your offer. 
Weeks went by and I continued to receive baffling notices. I took time off for my work to call CitiMortgage and no one can confirm that I had received this letter. But they continued to asked me to send more information. 
When I finally spoke to my representative, XXXX XXXX, she finally stated that I should not have received the letter. 
At this point I was exhausted with the process and so was my agent at XXXX who was assisting me. 
However, after speaking to XXXX XXXX, I continued to received notice upon notice from CitiMorgage stating that I have been assigned to a new representative to assist me .... 
Frankly, I have never been so confused about a process and I question a big company like CitiMortgage motives. Once again I am not sure what to think of CitiMortage 's process. 
Please assist me in keep my home and providing me with an affordable mortgage. I am a good customer. 
Thank you XXXX XXXX XXXX

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 2023-03-24
Company: EQUIFAX, INC.
State: CA
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.

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 2016-06-29
Company: CITIBANK, N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.

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 2016-12-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the letter.

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 2016-05-26
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 non-monetary relief
Consumer complaint received 2016-05-03
Company: CITIBANK, N.A.
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. Thank you.

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 2015-04-21
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Issue: Other

Complaint:
I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01
Company: AFNI INC.
State: VA
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:
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Other fee

Complaint:
Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in months.

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 2015-05-25
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: EQUIFAX, INC.
State: FL
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:
A LATE PAYMENT FOR XXXX XXXX ON XX/XX/2021. IM DISPUTING THIS AS INACCURATE AND INQUIRIES THAT DOESNT BELONG TO ME FIRST ONE IS XXXX XXXX XXXX  XXXX XXXX SECOND ONE IS XXXX XXXX XX/XX/2021 THIRD ONE IS XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to request that a debt be removed from my credit report as it 's been seven years since the date of last activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.

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