BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?

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 2021-08-10
Company: EQUIFAX, INC.
State: LA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Sentry Credit, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I started receiving calls in XXXX from Sentry Credit in XXXX, XXXX  XXXX stating that I owed XXXX XXXX. I contacted XXXX since I have never had a credit card with them, which they confirmed. I spoke with XXXX in the fraud department and she looked through their system. I informed Sentry Credit not to bother me with this and she continued to try to get my social security number in fact wrote me a letter trying to collect. I keep a tight reign on my credit even have a credit company to watch for identity theft, so I knew it was fraudulent. There is no telling how many seniors they are preying on.

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 2016-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. 
On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. 
It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.

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 2017-03-01
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been using  a Fidelity credit  card since  XXXX  and make on time payments every month. In  XXXX   XXXX ,  Fidelity c hanged the credit card servicing company to ELAN FINANCIAL SERVICES. Due to such transition, my existing auto-pay setup no long works. However, I did not receive any notification for the transition and was not aware of my auto-pay expired until I got a collection call on  XXXX   XXXX  saying that I have a past due amounts which I did not pay. I paid down the past due balance right way and kept paying on time since then. However, ELAN FINANCIAL SERVICES reports a 30 days delinquency to all credit bureaus on my records. As a result, my FICO score reduced from  XXXX  to  XXXX . I felt that I was not fairly treated because my credit history was heavily damaged due to a fact that is not result of my fault. As a result of such negative impact, I did not receive the best rate I can get when I re-finance my mortgage recently. I d emand Fidelity Credit  Card and ELAN FINANCIAL SERVICES to correct my credit report by removing the delinquency records and compensate me on the incremental interest payment I have to make on the mortgage.

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 2017-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the last number of months, I have been receiving phone calls from a company known as Portfolio Recovery. 

They do not leave messages, they just keep pestering my XXXX. 

At about XXXX, today, XXXX XXXX, 2017, I called back to the number they called me on earlier this morning, and told the lady who answered the phone that I do not want her company to call me anymore. I do not owe anybody any money. 

My phone number is XXXX. 

The various phone numbers they have called me from just in the last month are : A. XXXX B. XXXX C. XXXX D. XXXX E. XXXX F. XXXX I think that this " SCAM '' company should be exposed, and the people who manage the company should be indicted. All the money you can get from them should be evenly dispersed to the people they have needlessly pestered, which is probably 100 % of the people they are contacting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I 've personally written numerous letters to this company and all three credit bureaus to have this account removed from my credit. I do n't owe the debt and it should n't be on my credit report, it is negatively affecting my credit score and my quality of life.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had several credit cards with Synchrony Bank and ever since the start of the pandemic, they have lowered my limits and eventually closed almost every account. The letters state that I have too much usage on my accounts ( these are my student loans and that is not something within my control ) as most of the credit cards with them have always been paid on time and the balance was {$0.00} when they were closed. All of the reasons they stated for closing were there when I was first approved for credit cards with them. So for them to use it against me when it was on my credit report ( not much has changed on it ) when they approved me is a lie. I have noticed that if I keep a balance, they do not really touch the cards. It is when I start paying them off that as my balance decreases, so does my limit. Therefore, it always looks as though I have high usage on the credit card since they lower the limit to around what the current balance is at the time. An example is that I can have a {$100.00} balance on a credit card with a limit of {$500.00}, so I am using 22 %. However, they then lower my limit to {$120.00} and now my usage is 91 % and then one of the reasons why they are closing my account is due to high usage. Well, they made that as such! This causes my credit score to drop! Ever since the pandemic, my credit score has plummeted due to these tactics by Synchrony Bank. They have ruined my credit that I opened credit cards with them to try to rebuild! I know that a credit card company has a right to close an account at any time, but these tactics seem very illegal and damaging to my financial burden.

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 2017-10-10
Company: Experian Information Solutions Inc.
State: VA
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:
Since XXXX XXXX I have been diligently working to improve my credit scores. 

On XXXX XXXX, XXXX my Experian score improved from Good XXXX to, on XXXX XXXX, XXXX, Very Good XXXX. 
On XXXX XXXX, XXXX my score dropped to XXXX, a 91-point drop. 

I called Experian Membership and they explained that the computer 's algorithm somehow went back and was trying to calculate a " Settled '' account from XXXX XXXX. 

I was told to screen-shot the two scores and the problem would be submitted to the technicians and resolved. THIS ENTIRE EVENT WAS A FOUR-HOUR PHONE CALL. 

The e-mail address I was given was invalid. 

I called the next day and spoke with a supervisor in Membership who promptly apologized for the rep telling me about the algorithm problem with the computer. 

I then asked the supervisor whether he could explain to me the drastic drop in my score and why there was a Late Payment now appearing on my credit score that had not been there for four months previously.
He then proceed to look at my credit report and explained that I had a derogatory account on my credit report, which was the 4-year-old " Settled '' account.
That is why there was a drop in my score.
I then asked as to why it was not scored for the previous four years and within the month, XXXX, it was scored. 

The supervisor began to tell me that I should look at the Score Simulator that Experian offers to its members and it would give me the percentage that late payments are scored into all credit scores. 

I asked of what help that would be to me since I have had no late payments in the last year. 
He did not offer an explanation, so I asked him, " bottom line, can you tell me which creditor, lender, etc. reported a late payment? '' I would like to dispute the late payment with the creditor. 
His answer was, " No '' he could not tell me. 
I then proceeded to ask him how am I supposed to dispute a late payment if your agency can not tell me who reported it. 
Furthermore, how can you place a late payment on my report when you have not knowledge as to who reported it. 
He told me " He '' did not place it there and " He '' could not remove it.

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 2017-10-10
Company: Experian Information Solutions Inc.
State: SC
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 been a recent victim of identity theft. I sent a 609 Letter to Experian disputing items on my credit report via certified mail. I also demanded that they send me documentation that they used to verify the accounts on my credit. They failed to reinvestigate, and to send me proof of any documentation they used to verify the accounts. I would like the following accounts removed immediately.
XXXX XXXX-XXXX XXXX XXXX-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- sent me a letter stating that my name and address is n't in there system. I would like this to be removed as soon as possible 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 2021-08-10
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: Personal information incorrect

Complaint:
I contacted Equifax on XX/XX/2021 via phone at XXXX requesting to have incorrect personal information removed from my report.. After going through the phone verification, I was transferred to a live representative who refused to assist me. He sent over a verification link and when I selected the link it did not work. I am a victim of identity fraud and there is so much incorrect personal data being listed on my credit report I fear this fraudster will be able to beat the system and ruin my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Northland Group XXXX has been calling my home for more than a few months. In the beginning, I answered the phone and no one was there. I called their phone number a few times and left messages. 

The message is that the person who owes the debt, the person they're trying to collect from, hasn't lived here since XX/XX/2020. I told them where she is, her address, and her phone number. 

But every morning, between XXXX they continue to call me. I am not responsible for her debt. I gave them all the information I have so they can contact her at her current residence, but they continue to harass 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 2015-12-11
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
CREDIT PROTECTION ASSOCIATION IS TRYING TO COLLECT $XXXX FOR UN-RETURNED CABLE EQUIPMENT TO BROADBAND CABLE.THE EQUIPMENT WAS RETURNED VIA CERTIFIED MAIL AND I HAVE THE RECEIPT. IN XX/XX/XXXX CREDIT PROTECTION ASSOCIATION COULD NOT VALIDATE THIS DEBT AND WAS REMOVED FROM MY CREDIT REPORT. IT HAS SINCE POPULATED AGAIN. I NEED THIS DEBT CLOSED AND REMOVED FROM MY CREDIT REPORT ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have had a HELOC loan with PenFed Credit for many years. It is in good standing with no late payments and frequent payoffs. I've started a construction process and am attempting to transfer money from this account but PenFed has frozen my account with no explanation. My account is active, in good standing with a perfect payment history. My credit score according to the PenFed site is XXXX. 

I have counted on this HELOC line of credit for years for various home improvement projects. It seems really unfair that PenFed has chosen to freeze this line of credit with no warning and no explanation. It is particularly unfair that PenFed has chosen to do this in the middle of a construction project.

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 2016-10-13
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am extremely and severely being harassed by this bank. I had my car towed away 3 times. I feel this is racism. Today XX/XX/2016 my car was towed and I was in shock. I ca n't believe it .Me and my kids are in shock. I looked maybe I 'm made a mistake. I checked my bank account XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX paid,XX/XX/2016 XXXX,XX/XX/2016 XXXX paid. The bank is being paid. The first time my account had a fraud company deducting money out of my account, my checking account took too long to refund my money. They towed my car in 1 day to New Jersey I had to hire an international car service to get my car back. that was when I received my independent foreclosure for {$6000.00}. Anothrer time they took my car in 1 day to 2 hour drive upstate. Every time they tow my car it is 2 or 3 three days from my payday. I get paid {$55000.00} to {$60000.00} a year.I get a raise every year. And every year I can take a pension loan for $ XXXX.There is some extreme jelousy going on. my statement on line has {$2300.00} in tow and repossession fees and it says Recent payment XXXX 0n XX/XX/2016 and payment due XX/XX/2016 XXXX It stays on my credit report. my loan is reducing now down to {$12000.00}. I 'm trying to retire in 2 years and buy a home not be harassed and have my credit ruined by this bank. 2 years ago a female texted me I complained and my car got towed away. it seemed like I 'm begging for my car.I 'm in fear I keep their checks being paid out of my account because the pull 2 times 4 days and 8 days. they are always paid and i 'm charged {$30.00} fees. I fell on XX/XX/2016 I have a few XXXX. My XXXX is on it 's way.i just made payments.My kids and grandkid ca n't get to work or school.I still ca n't believe my car is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
My husband and I attended a XXXX XXXX XXXX timeshare owner 's luncheon on XXXX/XXXX/16. We were presented the opportunity to apply for the XXXX XXXX XXXX Credit Card where we could earn statement credits toward Diamond transactions ( like the annual HOA fee ). We were told there was a special offer on the card for 0 % APR for the first 6 months billing cycles, then it would go to 15.24 % after that. We applied and were approved and given a " Credit Card Cardmember Account Summary Initial Disclosure '' with all terms and conditions including the 0 % APR for for six billing cycles and then 15.24 %. This printout is time stamped with XXXX/XXXX/16 XXXX ( attached ). I just reviewed our XXXX statement and realized there is no initial 0 % APR and the interest rate is listed as 15.49 % ; which does n't even match the initial disclosure we were given. In fact, the cash advance APR from the statement does n't match the disclosure either. We are still within the first six months of our billing cycles so no interest fees should be charged to us yet. We feel completely duped and a bait XXXX switch situation happened to draw us in to apply for the card and then we received a completely different product.

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