BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 am an authorized user of capitalone quick silver MasterCard ending in XXXX paid off infull with zero balance. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

In Addition, XXXX XXXX XXXX overdraft is also paid infull with zero balance for account ending in XXXX. Not reported by the XXXX credits bureaus as misrepresentation of Federal Truth In Billing Disclosure Act. 

As a result, my recredit report is incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: CITIBANK, N.A.
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In the last XXXX months Citi Bank has sent XXXX 'Time is Running Out ' letters to me. XXXX every 30 days the last XXXX months. This is excessive in itself. 

The XXXX letter I called them and spoke with XXXX XXXX in XX/XX/XXXX. Applied for the loan, qualified for the refinancing, was told after a month into the process XXXX XXXX has this loan on some list they are maintaining that blocks me from refinancing my home even though I have an excellent credit rating. This in itself is discrimination. Even though this home is on the list, I have owned this home since XX/XX/XXXX, have not missed XXXX payment nor been late on any payment, and I feel I am being discriminated against. As I understand it if this home was located elsewhere it would be eligible. This singles out certain individuals, and blocks them from taking advantage of opportunities that other individuals have. 

In XXXX I received the XXXX letter, calling Citi I requested these solicitation to stop since they are aware I am ineligible for this refinancing. In XXXX I received the third letter. Again I called and requested to be removed from this list. I have once again received the 'Time is Running Out ' campaign letter in XXXX. When I called them in XXXX I stated if I received another letter I would file complaints against them. This is baiting me to respond because like many individuals refinancing to lower monthly payment is desirable. I am an excellent customer and to be treated in this matter is unacceptable. 

Since Citi bank is ignoring my request and I continue to get this letter of which I qualify for they need to honor this refinancing at no closing cost as stated in their letter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citi Gold account online and entered a promotion code where I would receive XXXX Thank You points after completing bill payments in two consecutive months. I received verification during the online application process that I was eligible for the bonus. A few days after applying online, in a follow up phone call while speaking to a Citi representative, the person specifically stated I was eligible for the promotion. This lead me to finalize the application and agree to open this premium account. I 've since completed the requirements to receive the bonus and paid monthly fees associated with the account. A follow up phone call with a representative confirmed that the previously stated requirements were met. However, when the promised points were not added to my account, I again placed a call where a representative and his superior denied my eligibility for the reason being that I already had a different existing non-fee account opened. I believe Citibank is behaving on unethical business practices by not fulfilling their end of a business agreement and purposefully and/or negligently misleading customers.

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 2016-07-20
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Problems caused by my funds being low

Complaint:
I autopay my Citi credit card online and changed the bank account for them to withdraw the funds. I have an email confirming the new account change, yet the following month, Citi withdrew funds from my previous account, which no longer had any money in it, causing me huge fees and penalties! They refused to accept responsibility for their mistake and want me to pay those fees and penalties. I 've been trying to resolve this dispute for the past few weeks and they keep pointing the finger at my previous bank.

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 2017-01-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have soooooooooo had it. I do n't have a " file '' number because they deleted it in 2012, YOU CA N'T KEEP A DEBIT THAT IS TOO OLD. YOU NEED TO DELETE IT. AND I HAVE DISPUTED IT, AND DISPUTED IT. IT IS ANCIENT HISTORY, JUST BECAUSE XXXX XXXX SOLD IT TO XXXX BANK DOES N'T MEAN IT IS NEW THIS IS A VIOLATION OF THE LAW

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 2016-09-01
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: STONEGATE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made additional deposits to my mortgage at XXXX and asked for my PMI to be dropped. I paid for and had completed I be removed in their appraisal and they told me the PMI would be removed in XXXX But they were " backed up ''. It was not removed and I placed several calls and emails. They promised to call me back and never did. 
I believe this is a stalling tactic designed to keep charging me unnecessary PMI. I have more than {$90000.00} in equity in the house XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never received any information or documents stating that i owe the debt.They did not contact me by phone at all. I checked my credit report and i was confused about this item that was reporting on my report. This is a violation of my rights, and i will take to them to court if i have to. I am all ready talking to a lawyer and if they dont reply we are going to move forward, because they have no proof that they tried to reach me by phone because they dont have my number. Because their is no way i owe a doctor bill because i have always had insurance when going to the Doctor so i know i never had a doctor bill that went to collections and its says XX/XX/2013 and why would they try and put it on my credit report now. When they dont have my address. So we know by that they never tried to contact me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have a business account with Chase for my business that I recently started. On XX/XX/XXXX I deposited a check made out to my company which I did not endorse. Ive never endorsed them before and never had a problem until now. The deposit of this check resulted in my account being frozen and then closed without notice. I only found out because I went to deposit another check and they told me this was a closed account and it had been for days. I only knew my account had been frozen after I called on the XXXX of the same month to enquire why I wasnt able to make payments out of my account. It was then that they informed me that they had a hold on the check but it would cleared in a couple of days. This later turned out to be false because they closed the account after the hold was removed. When I called my client, who was the one who wrote me this check, they told me that the check cleared fine on their end. This was news to me because one of the times I called Chase they told me the problem was on my clients end with their bank. I also went to the branch three times to speak to the branch manager and he tried to help me by calling the deposit review department in Chase. He even requested to speak to a supervisor on that department which didnt help. The Chase branch manager told me that this was not their policy at the branch and pointed out the exact policy he was referring to to the representative on the phone because they were saying information that did not match up with the policy his branch followed.

Now, Chase refuses to release my money that was in the account, stating that more checks are under investigation because they need to speak to makers of each check even though they have already been cleared months ago. Another frustrating part of this is is the telephone verifying system that Chase uses. The phone number on the check has to match what they have in the system. They wont call the phone number that is on the check if it is not verified. I have reached out to multiple clients to get phone numbers from them, only to be told by Chase that those phone numbers are not in their system therefore they cant verify the client or their check. Now, they are asking my clients to go to the branch and show two identifications and prove he is the business owner that gave me that check. This has been the latest response they have given me after a month of headache and giving me the runaround on what I should do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: MI
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:
My name is XXXX XXXX. I have new and updated information regarding Equifax failure to comply with federal law. 
I have requested on several occasions that Equifax and XXXX PROVIDE ME WITH ALL DOCUMENTS that were used during their reinvestigation. Pursuant to 15 USC 1681d ( b ) EQUIFAX AND XXXX SHALL PROVIDE ME WITH A COMPLETE AND ACCURATE DISCLOSURE OF THE NATURE AND SCOPE OF THE INVESTIGATION. This should have been delivered to me within five days of requesting. This is a violation. 
The only response I keep receiving is that they have verified with XXXX XXXX the alleged account belongs to myself the consumer. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Equifax and XXXX assumed this vital role in assembling consumer credit and other information. 
Pursuant to 15 USC 1681 ( a ) ( 4 ) Equifax and XXXX failed to exercise their grave responsibilities with fairness, impartiality, and respect for my right to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I leased a new XXXX XXXX XX/XX/2016. During the course of the lease I made multiple visits to their service department requesting repair or replacement of my bluetooth so I could have hands-free telephone operation. Though it was clearly defective from an operational standpoint, they could not identify the source of the problem and refused to replace it. When my lease was up, I purchased a XXXX and their bluetooth system is flawless. When I returned the vehicle, Mercedes wanted to charge me {$590.00} as an end of lease fee which they agreed to waive as an " incentive '' to lease another Mercedes. I advised them that their failure to provide me with the functionality I was paying for was a dis-incentive to lease another Mercedes and that they should waive the end of lease fee as restitution for their failure to perform by not providing the service I contracted for and was paying for as referenced above. 
A second and more troubling end of lease charge was for low tread on two of the tires. If one leases a car for 30,000 miles, one has the right to anticipate the tires will last 30,000 miles under normal driving circumstances which mine are. There were 27,000 miles on my car when I returned it. The simple fact here is Mercedes gets you to pay for new tires twice though you have only driven the car for mileage well below the tread life warranted by the tire manufacturer ( 55,000 miles ). Then Mercedes can sell the vehicle with new tires paid for at a cost of ~ {$600.00} by the lease customer. In effect, the customer pays for tires twice. This in my opinion is a scam.!

Currently my credit score at XXXXXXXX is XXXX. Now Mercedes is threatening to turn my account over to collection as a means of " extorting '' money from me that they are not entitled to receive. In point of fact, it is my true belief they owe me a refund for the services I paid for but did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Aspen National Financial, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for and got an Advantage Citibank Platinum Select Credit card. The first time I tried to use it, the transaction was declined. When I called Citibank, they asked for verification information. I gave them all this. They then said they could n't clear the account as they could n't " verify the phone number '' I was calling from. I asked them if I had inadvertently written down the wrong phone number on the application. They assured me that I had not put a different phone number on the application. They simply could n't find it in their database. I completed the transaction with a different card ( XXXX XXXX ). Later that day ( XXXX XXXX, 2016 ) I called to cancel the card. They would not let me cancel it!!! They claim that since they ca n't " verify my phone '', they ca n't cancel the account. I asked them how I could cancel the account, and they hemmed and hawed and could n't provide an answer. I believe they are trying to keep the account open so they can collect the annual fee. They have wasted 2 hours of my time on this matter. I believe they should warn consumers that this is a distinct possibility and the government should consider not letting Citibank issue credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a mobile CHECK DEPOSIT on Saturday, XXXX XXXX, 2015 & my bank released {$200.00} the following business day. However, the remaining funds are supposed to be available on the 5th business day which would be XXXX XXXX, 2015 and still a hold is on the funds in my account. I contacted my bank and asked them to release the hold and they said the hold will not be released until XXXX XXXX, 2015. The check I had mobile deposited actually cleared on XXXX XXXX, 2015 ... ... .it is now XXXX XXXX, 2015 and they will not release the hold until Monday, XXXX XXXX, 2015. I even asked if they could release {$200.00} for the XXXX weekend and still I received no help in resolving my issue/problem. This is the third time this has happened regarding a mobile deposit. XXXX out of XXXX I was able to get a supervisor to release the hold so I know that they are able to do this and its not like I am being dishonest here. I will attach a copy of the cleared check as well. My employer gave me a copy of the check clearing on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Around XX/XX/2021 Santander received certified tender of payment and a certified promissory note in good faith, also documents conditionally accepting there alleged claim to any debt predicated upon verification of the debt, as defined in Blacks 6th, pursuant to fdcpa, fcra, Santander was requested to cease any and all collection activity until debt is verified Santander is still actively attempting to collect debt by reporting it to credit bureau. I demand any and all collection activity ceases until Santander verified the debt. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX the XXXX i had some Account fraud XXXX withdrawals of XXXX. Called Capital one they said they can help me out and most of the fraud was turned over. I would however need to get new account numbers and my account has been locked to prevent any additional fraud. I was ok with this and made sense. However it is now XXXX and I do not have access to my account I called Capital one to get a status. They said after verifying my identity over the phone that after an internal investigation my account has been locked and i can not open any more accounts with Capital One. I had to call capital one to get a status and they have not given me any way to get my money back or any way to prove i am who i am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We want Sps mortgage inc investegated you are the servicer on our mortgage. Our loan was originated back in XX/XX/XXXX. We are victims of a predatory loan. We were misrepresented by the mortgage broker and by XXXX XXXX when this loan was originated. We have reviewed our loan with specialist in the industry and there was fraud on documents from the mortgage broker to the banks and forgery on loan documents and disclosures. Since this loan was originated this loan has been passed along from XXXX XXXX, to XXXX XXXX and now Sps mortgage inc. We also have checked with title specilist and Sps does not hold legal title on our home properly to foreclose on our home since title recording on purchase date and from all the loan transfers from bank to bank .The title chain is broken and not correct. We are victims of predatory lending and now we are stuck with a toxic loan, Due to all these greedy large banks and corporations trying to maximize profits on homeowners that got these toxic loans. We want to hold these corporations accountable for the problems you have caused to our family. We have tried to work with sps over and over to fix our toxic loan and it just seams to fall on deaf ears. We will continue to defend our home until there is a fix on our mortgage. 

Stop foreclosure activity on our home and fix our mortgage. 

fix our toxic mortgage. 

lower our principal balance / balance started at XXXX XXXX  now over 670 k. 

bring our account current fix this ridiculas wrong toxic loan. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Ca XXXX acct # XXXX XXXX XXXX : XXXX XXXX *

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