BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-14
Company: CITIBANK, N.A.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Applied for and was approved on XXXX XXXX for a Citigold Checking Account using the promotion code XXXX. This promotion included XXXX XXXX XXXX miles to be granted upon completing {$1000.00} in debit card purchases and XXXX bill payments within XXXX months of the account opening. I completed these stipulations on XXXX XXXX 2016. When I had opened the account I called to confirm the promotion was attached and that after I met the minimum requirements I would receive my XXXX XXXX miles, which was confirmed over the phone. I sent a message to confirm that I would be receiving the miles and was told that because I was n't targeted directly for the account they would not be honoring the initial promise. I tried a second time resolve this matter and was again told they would not be honoring their promotion.

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 2016-12-16
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Account was paid in full on time and closed. XXXX did not report late payments until this account was closed. I have XXXX other XXXX accounts in good standing. If I never paid on time why was more credit extended with credit limit increases.

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 2017-01-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Starting in the first quarter of 2008, AMRICAN HOME MORTGAGE, HOMEWARD RESIDENTIAL and now OCWEN have conducted malpractices with me the borrower in the past including ( among other things ) : robosigning, charging improper fees, providing false or misleading reasons for denying loan modifications, failing to honor in-process loan modifications agreed to by prior servicers. As a research was conducted on my loan origination and process a number of these malpractices were found and have proof on my records. such as lack of having thje original note of my loan and not felling ashamed on that and at least giving me a fair modification that I can effort to pay. Instead I have had to request modifications a number of times through the past 7 years but have not received. At times they would offer modifications that made not sense in our finances situation such as offering a mortgage payment of XXXX while my income was not even XXXX monthly. 
My financial situation now is better then before. therefore again I went ahead and requested a modification and again this bank shamelessly is not even giving me a formal denial As matter of fact the bank representative says that the bank thinks that I requested to many modifications and did not accepted me, also they say that '' the Investor '' does not want to modify the loan .And question is which investor? because i have prove that this bank has sold my loan in the XXXX 7 times. if you need prove and i can send to you. That is why they do n't even have the original note. but no formal answer has been giving to me.. I need help. I need this bank to be held accountable on the dishonesty that they di in the past. When this bank was convicted my court on doing the same with other consumers they promised to act better with people and this has not happened at all with us. Please help us. Make this bank responsible for what they do being under lots of stress because of this matter and I need help regarding these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An unauthorized and fraudulent credit inquiry is listed on my Experian credit report from : XXXX, XX/XX/2017, the credit inquiry do n't belong to me. I am a victim of identity theft and have been a victim of identity theft for over 10 years.

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 2015-06-08
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage loan was foreclosed on XXXX XXXX, 2011 Sheriffs deed. I contacted A lender to apply for a new mortgage in which I can not obtain XXXX as my name is still in the FHA XXXX XXXX. I contacted Citi Mortgage to have this resolved. Per FHA they have not received a claim on the property and I can not get a preapproval for a new mortgage. Citi could not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
I had a need for XXXX work and signed up for CareCredit. During sign up, we discussed the cost, I provided some private information and the credit was approved. Never was a promotion campaign mentioned or what would happen at the end of the " promotional period. '' Not aware of the promotional period, I contacted them to request an extension of credit for additional XXXX work, and again, no promotional period was mentioned. It was a regular call with a representative from the bank. At no time did she mention a promotion or offer the opportunity to pay off the balance early to avoid interest XXXX 26.99 % ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I applied a credit card to a XXXX XXXX XXXX and they denied to me. 
Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. 
We received your report from : XXXX, please contact. 
I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. 
I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 
2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 
3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This loan was included in a 2009 bankruptcy under XXXX and now under XXXX they are trying to collect as well as declaring me deceased, which I obviously am not. This loan was not valid as XXXX XXXX was supposed to recall full loan and school not attended due to illness which resulted in subsequent bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Pinnacle Credit Services, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Upon discovery that Pinnacle Credit Services had placed a negative item in my credit files with XXXX, XXXX and XXXX ( Open Date of XXXX for an address at which I did not reside on at said Open Date and Balance Owed {$760.00} ) I made written request for debt validation via USPS Certified Mail Return Receipt. This was delivered to Pinnacle at XXXX XXXX XXXX, 2016. Pinnacle did not respond with debt validation yet continued to report this unvalidated debt to XXXX, XXXX and XXXX on XXXX. 

The Federal Trade Commission ( FTC ) clearly states in an opinion letter that a debt collection agency can not report an unvalidated debt to the credit bureaus and that such reporting constituted a continued attempt to collect a debt. ( FDCPA Staff Opinion : XXXX ). Pinnacle is thus non-compliant with Section 809 of the FDCPA. 

Since I discovered the alleged debt was claimed open at an address where I did not reside, I also have sent an Identify Theft Police Report, Proof of Address on Open Date and signed affidavit to original creditor 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 2021-07-02
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX. Identity theft has happened to me. I've attached a notarized Identity Theft Affidavit verifying that this report was indeed submitted by me. I did not authorize these requests for information, and I did not validate these charges in the list. I meet all of the requirements for blocking and removing information from my consumer report under 15 USC 1681c-2. Failure to comply is a breach of my legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank has once again lowered my credit limit on XXXX of my accounts that I have with them. This time it was my American Eagle credit card. The original limit was {$1500.00} and now it is {$100.00}. Again, I have been discriminated against by this company. I will continue to submit complaints against this company and dispute their response. Again, I have never been late nor have I ever missed a payment on this account. If I have to, I will continue to take further action if necessary until I get these issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: EOS Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never once held a cell account or phone with XXXX. I do not know what the debt is for with XXXX and noone tells me why they keep reporting it. Again my service was never with XXXX My business line is the only XXXX i have and that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: EOS Holdings, 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:
My wife and I keep getting phone calls from EOS CCA XXXX Ma XXXX the phone number is XXXX. For almost a year they having been harassing us in an attempt to reach a XXXX. My wife and I have told them that we are not or do we know XXXX Pleas tell EOS CCA to stop calling XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Other

Complaint:
During XXXX and XXXX, I had XXXX send auto debits for monthly payments direct to Capital One, to assure timelines of pmt. In XX/XX/XXXX, Capital One sold my " debt '' to a collections agency ( XXXX ), who said that no payments had ever been ade, despite my proof on checking account statements showing monthly deductions sent to Cap One. I hired an attorney, who spoke with Capital one and XXXX, and to make this issue go away and not effect my credit adversely any longer, agreed to pay the {$350.00} balance in full, again. My atony wrote a letter to XXXX and Cap One, with all parties agreeing to my paying the balance in full, Cap One not reporting this account as a charge off, and that NO late payments would ever be reported on my credit report stating such, as Cap One had been paid on time monthly. This was to insure that everything was fully satisfied for all parties involved, and XXXX said they 'd send a release/receipt back to attny within 24 hours. On XX/XX/XXXX, Cap One added a note to my credit report stating that I was late the entire year of XXXX, filling each grid on my credit report with either a 30, 60, or 90 day late notation. ( this math is actually impossible if you look at it ). They also notated a charge off, a collections transfer, and that the account was closed by credit grantor, making it look as if I had n't paid per the legal agreement set up to report the account as closed, never late and paid in full. This goes directly against the fair debt reporting act, and is why consumers can NEVER see to get ahead of anything. This account was opened in XXXX, and paid in full and closed in XXXX. It 's ironic that the late payment notations and charge off/collection notes have just appeared on my XXXX report, as it 's almost to the 7 year statute of limitations for reporting debt in VA. 5 years after fully satisfying the credit card debt, multiple times actually- as Capital One would never admit to receiving the auto payments from my checking account, although XXXX shows they left my checking account monthly, went to Capital one properly notated with my act info, and never came back, I paid them consistently, on time, AND paid a full balance AGAIN to a collector that Capital One sold my debt to, despite the fact they were being paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Customer service/Customer relations

Complaint:
Earlier this year I was issued a check from Regions Bank for around {$20000.00}. I went there to cash it and they asked if it would be okay to get XXXX XXXX in cash and the rest in the form of a cashier 's check. Although I wanted the full amount in cash, I was understanding, due to the fact that this was a large amount. So, I have my cashier 's check, issued by the very same branch of Region 's bank here in XXXX XXXX, and they are refusing to cash it because my ID card does n't fit into the parameters set forth by their computer program. The thing is, it 's a very official ID that was issued by the XXXX with a very clear picture and I even brought a second form of ID with my picture on it. I just got released from State Jail and I do n't have a car or money to go around getting different forms of ID that fit into their box. I 'm the person whose name is on the cashier 's check, I have an official ID from the State of Texas ( it just is n't a drivers license like they want ). I know not everyone wants to walk around with large amounts of cash, but I 'm a lot more comfortable with keeping track of my money that way, and the whole point of a cashier 's check is that it can be redeemed for cash without any hassle.

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 2016-08-15
Company: BANK OF THE WEST
State: MO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for an account with Bank of the West in XXXX 2015 they approved me and never sent me the card for six months they made an error with my name on the card. The introductory APR had expired and I had to call and request that be reinstated. I had my payments on auto draft and they stated one of the payments was not enough to cover the monthly payment so they had sent the account to collections. After I called they acknowledged that it was a bank error and credited the fees since that time I paid the account off in full. I started back using the card in XX/XX/XXXX made my first payment and then was ONE business day late on my XX/XX/XXXX payment and they closed the account. I never received a call or any kind of warning just a letter stating the account was closed due to delinquency it was reported on my credit report that the account has been closed by the guarantor which impacts my credit score. I would like my account reopen and my credit report updated to reflect that account is current and I will be paying the full balance. The standard practice should not be to close a consumers account as a result of them being one day late on a payment that is not fair.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
In XXXX I secured a loan from XXXX XXXX which I was paying on every month until I was my employer unexpectedly went out of business in XXXX unfortunately I became unable to make full payments to XXXX because I was on unemployment. XXXX called and harassed me all day, every day until I felt that I had no other option but to file for bankruptcy which i did in XXXX and it has subsequently been discharged. Because of XXXX actions and antics the bankruptcy trustee is pursuing litigation against XXXX which is now called Mariner Finance, and now Mariner is refusing to relinquish my car title and sign the lien satisfaction letter even though the loan that I had with XXXX was included within my bankruptcy. In my opinion they are choosing to further injure and harass me is due to the ongoing issue within the bankruptcy court which I feel should be illegal and unfair business practicing. I have went to their office in XXXX, Florida in person and I have called them numerous of times regarding this matter and the supervisor XXXX continues to be misleading, giving me the run around. The reason that I am trying to get them to sign the lien satisfaction document is because the car has been wrecked and totaled by XXXX XXXX and they are requesting them from me and I am not getting any help from XXXX ( Mariner ) at all. I have called their corporate office in Maryland several times and all you can do is leave messages and " someone will return your call '' but NO ONE from there has yet to return any of my calls and/or messages! I am no longer in possession of the car, the debt was included within the perimeters of my bankruptcy and the car is a total lost. All I am requesting from them is to sign the lien satisfaction document so that I can provide this documentation to my insurance company so they can fulfill their legal requirements to the State or DMV.

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 2017-01-20
Company: WATERMARK CAPITAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Looking for refi I responded to ad on XXXX by Watermark XXXX stating " no fees '' with 4 % rate. At initial phone contact, was told there WOULD BE a fee to get 4 % rate but was nominal ( about {$1000.00} ) because " lender '' provided a credit of {$1900.00}. This was on XX/XX/XXXX. Everything they wanted was submitted when requested or within a day or two. On XX/XX/XXXX my loan was " formally approved '' and requesting a few more docs to " comply with underwriting requirements '' ; these docs were sent within 24 hrs or less. On XX/XX/XXXX I got another " congratulations, your loan has been formally approved '' email. All this after I had arranged IRA disbursements, provided bank statements and two years tax returns. 
XX/XX/XXXX email " I should have the clear to close this week '' but now they wanted IRS transcripts which they should have requested much earlier. I have to obtain and provide them. 
XX/XX/XXXX ( approx ) NOW, after two " approvals '', I am told my IRA funds are insufficient and they need more income sourcing ; this was provided. 
XX/XX/XXXX I receive disclosure doc showing lender credit of {$1900.00} has been rescinded and replaced with {$130.00} credit because " rate lock expired ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation