BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
this company has over  XXXX  inquires on my credit reports and i only did  XXXX  inquiry and was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Source Receivables Management LLC
State: CA
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 had been a long time customer of XXXX wireless. In XXXX of XXXX I moved to XXXX and found there was not XXXX XXXX. I contacted XXXX and was let out of my contract due to lack of service. I was sent an envelope, mailed my phone back to them, and paid my final bill. Several months later, I was charged for the phone. I contacted XXXX and explained to them that I returned the phone. Several months after that I began being harassed by a collection agency ( I no longer have the name. ) In XXXX, I filed a complaint with the XXXX. I never received a response from XXXX but the collection dropped off of my credit report. However, it now appears that a new collection agency or agencies are attempting to collect this same false debt. These collection agencies are Source Receivables XXXX, through XXXX, and XXXX XXXX XXXX through XXXX XXXX of these collection agencies are located XXXX. However, one has a physical address while the other lists a PO BOX XXXX They have different phone numbers. These collection agencies claim that the account was opened in XXXX of XXXX and became late in XXXX of XXXX. However, the exact dates differ between XXXX These incorrect dates are a fraudulent attempt to draw out the period of time that a collection can appear on my credit. There are numerous illegal issues here and they appear to apply to several companies. First, I do not owe XXXX any money. XXXX is at fault for falsely claiming that I do but also for falsely extending my contract by dropping my XXXX XXXX XXXX discount and then changing the start date of my contract from the time I renewed the contract to the time I asked for them to reinstate the discount, a matter of several months. Source Receivables XXXX and XXXX XXXX XXXX are attempting to collect a debt that I do not owe and in doing so have tried to strong arm me by using unfair business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a Home Depot credit card for months and I have NEVER USED IT. My Credit is in good condition, much better than when I applied. Today I get a letter stating that my limit had been decreased due to numerous lines of credit. When I contact Home Depot ( CITI ) they tell me the reduction was based on information stating that I have accounts that are delinquent. In the letter it states too many credit accounts. On the phone they say deliquesces. I do not appreciate being treated this way by Home Depot or Citi Corporation. When I call to speak to a supervisor I was refused. XXXX XXXX XXXX number XXXX refused to find a supervisor on demand. He refused to find a manager, he refused to attempt to locate a supervisor or manager. I have worked hard to see that my Credit is clear of derogatory information. Home depot is violating my rights to information regarding my status and fair credit decisions. I requested verification and was referred back to XXXX. I know better than to trust them. The Citi letter offers incorrect information and the credit line reduction is not justified based on an automated system that is programmed to slash credit lines for good customers. My credit card accounts are not a reason to lower a limit " BAD ACCOUNTS ARE ''. Failing to make payments are good reasons but since my payments are always on time, so this reason is not valid. Since I have never used the home depot card I find it difficult to justify my reduction. I need proof from the creditor as to why this account was adversely affected without ANY USE AT ALL. It is my intention to place this information on XXXX and XXXX for the world to know just how Citi and Home Depot treats its customers. I have credit cards and that is not a crime. I pay them on time and that is not a crime. I want this account re established and left alone. It is not right that Citi and Home Depot can negatively affect my credit score and provide incorrect reasoning via letter. Good thing the calls are recorded.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have a rushcard and I 've been locked out if my funds for over 2 weeks now.I 've missed a car payment, and i have XXXX kids all under XXXX yrs old and a XXXX wife.I 've been told they would call me the one time i actually got through to them that was well over a week ago.i know stuff happens sometimes but this should have been resolved a long time ago.i just want my money that i worked hard for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-12
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I had a prepaid XXXX card issued to me as incentive from XXXX to purchase their services. I the card was issued by Citi. I never used the card and infact lost it but I recently found a document with the account number and credit amount. 

I contacted the issuer Citi and spoke to several individuals who reported that the card had expired as of XXXX and the unused balance was surrendered as fees ( {$180.00} ). 

They would not re-issue a card. The last individual I spoke with told me that the card was issued in Pennsylvania so for some reason the Credit Card Accountability Responsibility and Disclosure Act did not apply to them. I 'm told that it is clearly in the terms and conditions for the use of the card. 

This seems entirely unreasonable and if it is n't illegal, as far as I 'm concerned it should be. 

I am interested in learning more about this law and filing a complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-30
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Dear Scottrade, CFPB Officials, and the Concerned Public : I am writing to follow up on the unproductive behavior of Scottrade and their affiliates, collectively known as Scottrade. Specifically, in 2013, Scottrade allowed a custodial account held by me and my son to be hacked. Likely in the databreach Scottrade had that led to XXXX XXXX customers having their personal information exposed, ( XXXX ). 

Myself and my son worked diligently in attempts to resolve the situation and worked with numerous other financial institutions involved in the fraud. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and IRS have all agreed that the actions that occurred were the result of identity theft and fraud. However, Scottrade refuses to acknowledge these events as fraud for fear of exposing that their security systems are very poor. 

To warn the general public about the actions of Scottrade, I would invite current and potential customers to Google Scottrade 's customer reviews and I assure you will not want to do business with this type of company. 

For the purposes of resolving this issue professionally, I will be attaching, under a separate cover, the harassing letters Scottrade has sent to myself and my son, absolutely refusing to reopen my account, provide verification of debt, or even provide an original contract copy.

Company response to consumer: Closed
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX, in the amount of {$1700.00} ( {$170.00} additional ) I made my XX/XX/XXXX mortgage payment of {$1500.00} on XX/XX/XXXX in the amount of {$1900.00} ( {$370.00} additional ), that payment noted as " additional funds received '' XX/XX/XXXX, my CitiMortgage history notes my XX/XX/XXXX payment not being made and a late charge of $ XXXXposted to my account history. 
This is not the first time my CitiMortgage account has had payment posting errors. Please contact CitiMortgage demanding that they correct my mortgage payment history to reflect the XX/XX/XXXX payment being made on XX/XX/XXXX, the {$69.00} late charge posted on XX/XX/XXXX removed, my CitiMortgage account history noted as current, paid in full as agreed, and a letter of apology from CitiMortgage 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 explanation
Consumer complaint received 2021-01-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have not received the settlement payoff for {$10000.00} for my property XXXX XXXX and my buyer is ready to close on the property to avoid loss of the property to the tax buyer on XXXX. 

I have submitted the XXXX  XXXX cash deal and title policy and updated purchase contract to reflect the amount on the XXXX for {$49000.00} Now I was told the documents would be reviewed by XXXX. 

I contacted SPS today XXXX and instead of my account being view as a settlement the rep said their is confusion going on being reviewed as a shortsale. 

I informed Sps if this property is lost to the tax buyer I am not going to be responsible for the balance of the loan. 

I have all my emails and communications thar have been documented. 

THE PROPERTY WILL BE SOLD TO THE TAX BUYER PER ATTACHED DOCUMENT FROM XXXX COUNTY SHERRIFF 'S IF THE TAXES ARE NOT REDEEMED BY XXXX XXXX 2021. 

I HAVE DONE ALL I COULD DO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank sent me a mail promotion for XXXX for opening a Citigold account and satisfying some criteria. The Citigold account had to be funded with {$50000.00} and also has monthly fees - I have satisfied all of their requirements including opening the account, funding it, paying fees, getting a debit card and spending {$1000.00} on it and doing online bill payments for 2 consecutive months. I finished all the requirements 2-3 months ago and last month was told that my points would post in the XXXX billing cycle. When they did not post, I contacted Citibank and they informed me that there was no such promotion for me and that I would not get the miles

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 2016-11-04
Company: Conn's, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I purchase on credit from Conn 's Credit Corp living room furniture with the original loan amount being {$3000.00}. Conn 's is reporting high credit limit of {$3900.00} with payments of {$120.00} a month when I am actually paying {$170.00} a month. The contract that we originally agreed to was for XXXX years ( 24 months XXXX not 31 months that Conn 's is reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MA
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I ordered a replacement card from the rush card company. I am unable to activate the card over the phone or on the Internet. customer service does not answer any of the phone calls or return any emails. I have been calling for almost a week about the situation. I simply want to get the rest of my money out and I will not use this card anymore. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-08
Company: XOOM CORPORATION
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX, 2017, I accessed Xoom.com with the intent of transferring $ XXXX from my XXXX XXXX XXXX account to a XXXX XXXX XXXX XXXX " XXXX '' XXXX account held by a XXXX XXXX After I input all required information for this transfer, I was sent an email notifying me the funds should be available to my XXXX friend on XXXX XXXX. Shortly thereafter on the same day, I was asked to verify additional information, which I did immediately. I received a text message from Xoom the morning of XXXX XXXX, stating my " transfer to XXXX was sent to XXXX XXXX XXXX. Transferred XXXX XXXX ''. However, later than morning, I receive a email message from Xoom stating " We 're sorry, Xoom or our partner has encountered an unexpected problem processing transaction XXXX. We 've cancelled the transaction at this time and sincerely apologize for any inconvenience. '' When I contacted Xoom about the " problem '', I was told that XXXX declined the exchange rate which Xoom had used to induce me to send the transfer through them, and therefore Xoom had to cancel the transfer. I assume this meant XXXX now required a more favorable rate than that which Xoom has sold to me. When I pointed this out to Xoom, they said they could not reinstate my original transfer for any reason. Based on these facts, it seems clear that even though Xoom created a contract with me using a certain exchange rate, they decided not to honor such when their partner increased its exchange rate. This would not only be a breach of contract, but a very unscrupulous means of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX party debt collector has reported to my credit a debt and I have repeatedly sent them letters advising them to cease and desist this collection activity as I do not deal with collection agencies. I advised them that if they were going to continue to report or try to collect this debt that I required they send me a copy of the Surety bond that they had to have purchased and filed with the secretary of state in order to legally report this debt and the date of the bond would have to correspond with the date that this agency began its collection activity. Per the law below that is my right. 
According to the Texas Consumer Law and Texas Debt Collection Act, Subchapter B ; Section 392.101 ; a third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in the state of Texas. A copy of the bond must be filed with the secretary of state. The bond must be in favor of any person who is damaged by a violation of the chapter and the bond must be in the amount of {$10000.00}. 
If you persist in collecting this debt please supply the surety bond number and the date of when the bond was filed with the Texas Secretary of State. 

Section 624 [ 15 U.S.C. 1681t ] states that you must comply with Texas State Law. 

Since it is my policy to neither recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

After all of my attempts to get this collection agency to send me this info or delete this item from my credit, they have ignored. I even sent my last letter certified, signature return receipt. 

I am a licensed mortgage loan originator and now my license is being threatened because of this reporting. I do not owe this company. I have never entered into a contract with them. They purchase my debt as a third party from an original creditor that no longer is collecting or reporting this debt. please help me get them to delete this erroneous information from my credit report before I lose my license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill. 

The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank single handedly made my credit score plunge BY cutting my credit limit and causing my cards to appear at XXXX % utilization rate. I have XXXX credit cards ( lowes, walmart, amazon, tjmax- score lowered and XXXX closed ) with this bank and it is no question that they cause me great harm. My score dropped so low, I was denied a mortgage because of their malicious credit practices that are truly unfair to the consumer. I have never been late on any payments and have always paid as agreed. Please investigate their malicious practices. If I could sue them, I WOULD and have placed a formal dispute with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: MS
Product: Prepaid card
Sub-product: Payroll card
Issue: Unauthorized transactions/trans. issues

Complaint:
i have been calling ruschcard since wednesday about my direct deposit and all they have been telling me is that, they are working to fix the problem. {$470.00} direct deposit hasnt been recieved and now i have bills piled up and a car about to get repoed because i dont have my money.. i have a XXXX baby to take care of and she needs alot of things that i can not get. XXXX transactions were made at atm but i recieved no money out of and my account was charged for. Rushcard said theres nothing that they can do about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.

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 2017-02-07
Company: ERC
State: GA
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:
I do not owe this bill. XXXX was aware years ago this was id theft. I requested or this company remove this off my credit report. I never received anything in writing from this company. next thing I know this on my credit. this company just put on here. I wrote a letter of dispute as well demanding they remove it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed