BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-10
Company: Solidus Group LLC.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Clear Credit Solutions Company left voicemail, claiming a serious claim will be filed against me if I do not respond to their call referencing a Claim number and stating that serious allegations were made against me and will be pursued if I or my representative do not respond to their call.. The company 's representative did not leave his name identifying himself or what potential claim or creditor or debt the represent. This is clearly abusive and bullying in an attempt to collect a debt. The message never stated that they were attempting to collect a debt. It stated that serious allegations have been submitted and a claim will be filed against me. The message has left me shaken and unwell as I am XXXX and have XXXX concerns. This practice is clearly in violation of both State and Federal Fair Debt Collections Act. The message has been archived as evidence that the statement I am making is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy.

15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern : I have been a lifelong resident of the great state of Alabama. I 've been active in my community, even XXXX for many years. I have owned multiple towing companies over the years, and I have owned my home for about the last 5 years. Unfortunately, due to a predatory loan and the absolutely despicable treatment I 've received from Citizens Bank, I 'm in danger of losing all that I have. 

The problem started when I refinanced my home in XX/XX/XXXX to remove the seller-backed financing I had on my home. I believed I had a standard fixed rate loan, but nothing about this loan was standard. My business had slowed, I went through a divorce, and eventually I became XXXX. But the real problem was that XXXX balloon payments came due on XXXX truck loan and XXXX unsecured loan that somehow got tied into my home loan ( they were all with Citizens Bank ). 

I had always been current on my payments. I just had no idea of these balloon payments. When I was made aware of this issue in XX/XX/XXXX, I went to Citizens Bank to see what we could do to solve the problem. I was given over to XXXX XXXX ; he 's supposedly the vice-president of the branch, but he does not act like someone who deserves that title. He did not offer any options for solutions, but instead told me I must pay the balloon payments or " lose it all ''. It seemed there was joy for him in doing this to me, like he had a vendetta. The truck was repossessed, and this vice-president told me he was " coming after everything ''. So I stopped making the mortgage payment, and he proceeded to pursue immediate sale dates. I 've held this criminal off, but he 's hell bent on taking my home!!! 

I 'm on a fixed income now, but I 'm not asking for charity. I can afford to make a mortgage payment. I was doing so until late last year when I ran into this XXXX XXXX character. A lowered payment would be great, but even the same payment would be acceptable. What 's not acceptable is being bullied by a hired thug into losing my home when I 'm willing to work out a solution. 

I 'm a kind person, but I 'm not a pushover. I 'm resourceful and will do what I need to do to save my home. Any assistance towards that end would be greatly appreciated. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CITIBANK, N.A.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX I took out a car loan with Citibank which put a lien on my title. Down the road they sold the loan to XXXX bank. In XXXX I made my final payment to them but never received a lien release. I contacted Citibank several times, but they were of no help. 
So where do I go from here ... .Any help that you give me would greatly appreciated.

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 2015-10-25
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I went to Sears XXXX in XXXX 2013 to get XXXX for my son. They said if I put the amount due XXXX {$3400.00} XXXX on my Sears Card it would be interest free for two years. I already had a balance on my Sears Card, and I was making monthly payments. I just received my Sears Statement today and while the balance was {$4900.00} last month, it is now {$7100.00}. A charge of {$2300.00} representing interest was charged to the account. If the original amount for the service is {$3400.00}, how do you get {$2300.00} in interest after two years? This does not make sense.That is a 69 % interest rate. Is that legal?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In 2015 I became late on my mortgage due to unemployment. I requested a government modification through Ocwen, and was told I was not approved. Ocwen offered an in-house modification. The monthly payment would be lowered by a few dollars, interest would be lowered by 0.3 %, and there would be a {$19000.00} balloon payment at maturation. I turned down the modification because of the balloon clause. My relationship manager pressured me into accepting the modification, and said I would also have a balloon payment if I remained with my regular contract. This was a lie - I obtained my original note, and there is not a balloon clause. I rejected the modification, which took a long time and many calls/emails to accomplish. Since then, I made payments to become current : {$600.00} on XXXX/XXXX/15, {$590.00} on XXXX/XXXX/15, and {$1300.00} on XXXX/XXXX/2015. None of these payments were applied to my past due balance. {$600.00} has been in suspense for over a month. XXXX agent said I had over {$1100.00} in suspense. Other agents and a supervisor said I have {$600.00} in suspense. I am not sure how much is in suspense. Because the suspense funds were not applied, I became 4 months late on XXXX/XXXX/2015, and was told that the {$1300.00} payment would be rejected and mailed back to me, and that I owed an additional {$570.00} in addition to the {$1300.00}. I have called and emailed many times to request that the suspense funds and the {$1300.00} payment be applied, but Ocwen will not apply them. The {$1300.00} is not showing up anywhere - not on my account or in suspense, despite the fact that I have verification that these funds arrived to Ocwen on XXXX/XXXX/15. The biggest problem is that I can not get a clear answer from Ocwen. They do not respond to email. By phone, some agents and supervisors say that the funds remain in suspense due to a system glitch, and will be applied soon. Other agents wo n't clearly answer my questions. XXXX agent said it was my fault the funds remain in suspense, and that these funds were to be applied to principal, and not the late balance. Every time I call I get a completely different answer. It is impossible to obtain honest and accurate information. Last night I tried to pay an additional {$570.00} online via XXXX, but received a message saying this was the incorrect amount, and to contact Ocwen customer service. XXXX would not allow me to submit a payment. I am not able to make a payment by phone, on the Ocwen website, or via XXXX. I am being charged late fees, certified mail fees, fees for photographing the house, and have received negative credit reporting. I have given everything I have in my bank account to Ocwen this month to try to become current, however they refuse to apply any of these funds to my past due payments, and I am afraid they will begin the foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
My credit was hurt significantly due to an error by Bank Of America which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Bank of America did not contact me or try to get in touch with me. I hold saving account with Bank Of America for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Bank Of America should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Kansas Counselors, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are XXXX collections on my credit report from this debt collector and the hospital and I are working on a XXXX case to XXXX all of my bills. These should not have been put on my credit at all. The amounts are XXXX, andXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I signed a promissory note with a bank called XXXX XXXX in 2008. Citimortgage inc.who isforeclosing on me, is the plaintiff. The note it hasattached to its complaint and motion for defaultjudgment is a copy of what I signed with XXXX. It has no indorsements on it. I haveasked for proof that citi mortgage acquired the loan andhave not gotten any.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
on case # XXXX, i received the modification of promissory note & the payments are not correct. I have attach a copy of the recast agreement that I signed in XXXX. It clearly state with the recast my mortgage payment and estimated monthly escrow payment of XXXX ( which is still effective ) that the total monthly payment is XXXX and without recast the total monthly payment is XXXX. I have been requesting the recast payment since XXXX and Ocwen still has not gotten it right. This modification is without the recast. I WANT THE RECAST PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Experian Information Solutions Inc.
State: AR
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:
Experian a credit reporting company is using outdated information to purposely report negative information that is over 6 years old and they never obtain real proof that investigations have been conducted they only take a companys position as if it were accurate which is not fair business practice and they do this to people of XXXX, without proper documentation u cant assume or falsely mislead a consumer when you do not have written justification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Securus J Holdings, LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Well first I received a {$7.00} check which doesn't even amount to the cost of using the card transaction fees and all sorts of other fees for a product we was forced to use JPay I was released from prison XXXX of 2018 with {$27000.00} and was given a debit card to use with outrageous transactions and fees a third of that money went transactions and fees as I recall correct me if I'm wrong though now how is {$7.00} check make up for that

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
1. I applied for the refinance of a loan on an investment property with Citibank. The marketing person gave loan cost info that was substantially below what actually was charged and told me he would see the loan through the entire process. He did not!!! The service dept. was " on its own '' and with no XXXX checking on the status of the loan, the loan processor got a new position and apparently did not tell the new processor that the XXXX pages of documents I had faxed on 3 days demand which were to go to underwriting, were in the file! When the new processor asked for the same docs, I informed her I had a receipt from 10 days previously. She said she had no documents. I called her supervisor who found the documents! I was also told just before closing that I had to obtain insurance coverage for the Assn. Master policy and the co. to call. That Co. was surprised that the lender did not make the request ( typical I was told ) and that I had to pay them for it ( the usual payment was through escrow ). When the closing documents were presented late on the date before closing from Citi 's closing dept, there were many errors! I came to escrow early knowing extra time would be needed to repair the errors. The errors were not corrected timely and I paid 3 more days at the higher rate from the previous lender. 
The marketer 's answer : no big problem and not to worry about it and no one will do anything about it. His supervisor told me he was sorry and gave me your email. A friend told me she had had the same experience with Citibank and the servicing dept., about the same time, although we each had a different marketing salesperson. 
A less experienced or sophisticated client would end up paying substantially more for their loan, perhaps going beyond the guaranteed interest rate date, due to sloppy management.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I was enrolled, with out my consent, into " CITI IDENTITYMONITOR ''. They are taking {$50.00} a month, the past4 month from my personal checking account, which they accessed through payment history, with out my consent. I was notified by CITI of this. My claim number is # 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 2016-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Balance transfer fee

Complaint:
A representative of my soon to be ex credit card company blatantly lied to me and I was charged a {$100.00} fee. 
I was considering making a crash transfer or " balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Bank of America in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until XXXX 2017 so there would be no interest charged. I then asked him if there were any other fees associated with such a transfer and he said no. I now see a {$100.00} transfer fee on my statement relating to the transaction. 
But all that could have and should have been resolved as a misunderstanding. The reason I 'm writing this up is because when I called in to get the fee removed I was told that the agent who told me there were no fees " did n't write in his notes that I had asked about fees '' or that " he had told me there were no fees '' so they could n't remove that charge. I was blatantly lied to and then told they had no immediate record of that interaction so the fee could n't be removed. 
Currently the most recent rep. that I spoke with said she submitted an " escalation '' form and that the recorded phone call would be reviewed and that it will take up to 5 business days to get back to me. I doubt they will refuse a refund of the fee after that but I 'm writing this up because some other people might not know to ask about submitting and escalating form. In fact I did n't know about it and it was only after I threatened to report this incident and cancel the credit card that she offered the escalation form. This seems like a blatant form of predatory business practices this agency was designed to stamp out and I really hope that I 'm the only one this has happened to, but I doubt it. And I hope that if there are more people who have fallen victim to this sort of thing that you guys come out swinging with a war hammer ... or a small mallet ... or whatever tools congress gave you. 
Oh, and the XXXX dollar fee was made because I made the transfer online, specifically through the mobile app. Something I feel like I should have been made obvious irrespective of calling in. But it was n't.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: EQUIFAX, 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:
the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Citibank initiated foreclosure process on the 40th day of delinquency. The loan was paid in full prior to the 60th day of delinquency. I keep getting denied for Mortgage loans because my credit report shows " foreclosure started. '' I have asked Citibank to remove the verbiage and they keep adding it back to my credit report. I had a XXXX loan which clearly states no FC proceedings to be started prior to the 90th day of delinquency.

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 2017-10-12
Company: ECMC GROUP, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This company put a tax levy on my checking account. Which the bank took {$150.00} legal fee out of my account, which cauesed a overdraft. which cost me another {$29.00}. XXXX XXXX of XXXX XXXX XXXX, works for the state on Indiana. when i called them to try to arrange, some kind of payment plan, They where unwilling to cooperate.They told me i had to pay {$1100.00} up front then 11 payments to pay the rest off. The only money i get, is social security amount {$1500.00} a month. My rent and my prescriptions food car ins total. {$1200.00} that leaves a little over {$300.00}, for the rest of the month. there is no compromise with these people. I tried a couple of years ago but to the same result. there way or no way. oh that money they made the bank take was exempt funds social security.

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 2016-02-26
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a promotional credit card with Home Depot. They regularly send me offers and I decided to take out a promotional card offering 0 % interest for a home improvement project. I did this a few years ago and it worked out very well but this time they started charging me interest on what they call a revolving balance. It 's on the XXXX page of the bill with no reference on the first page and it started after months of paying the bill. I feel this is misrepresentative/false marketing and a way to get more interest from consumers.

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