BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-09
Company: Keith D. Weiner & Associates Co., L.P.A.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX rent was paid in full, with security deposit in the amount of {$810.00} held by XXXX XXXX and a check in the amount of {$54.00}. Endorsement of that check included a clause which stated, " endorsement constitutes acceptance of this check as payment in full of all obligation due between the parties. This check was cashed by XXXX XXXX. 
After vacating the premises owned by noon on XXXX XXXX, XXXX, we received an email requesting our forwarding address, which we provided. Soon after, we received a letter requesting payment of charges due, in the amount of {$400.00}. This included such things as an " estimated sewer and water '' charge of {$100.00}, " three hours of extra cleaning at {$20.00} per hour, '' " removal & dispose of abandoned couch '' charge of {$40.00}, and lastly a " cost to market & re-rent unit for XXXX/XXXX/XXXX '' charge of {$150.00}. 
The apartment was vacated in cleaner condition that when it was rented, as well as painted -- which was never reimbursed by XXXX XXXX. 
After responding to this letter, with a request for reimbursement of paint supplies and labor, we received another letter, this time with more aggressive language, stating, " bottom line, the {$400.00} is due. Please make payment or this will go to collection. '' We chose not to respond to such rude correspondence. 
We then received a letter from collections, dated XXXX/XXXX/XXXX, requesting that we contact their office to make payment arrangements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Ocwen is our second mortgage provided and we are able to payoff the loan. Our payoff quote included : Satisfaction Fee = {$28.00} Payoff Fee = XXXX It appears that this information is not included in the Payoff Requirements and Conditions. 

How greedy is this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
IM HAVING TROUBLE WITH PNC MORTGAGE IVE BEEN TRYING TO GET MORTGAGE ASSISTANCE TO CATCH UP ON MY MORTGAGE PAYMENTS. MY BUSINESS LOST ALOT OF MONEY LAST YEAR FEEL BEHIND BEEN GETTING RUN AROUND FROM PNC MORTGAGE IVE SENT IN A COMPLETE PACK FOR MODIFICATION BUT THEY WONT WORK WITH ME. VERYU DIFFICULT BANK TO DEAL WITH.

Company response to consumer: Closed
Consumer complaint received 2016-10-06
Company: CURO Intermediate Holdings
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: MA
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:
In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had fixed. Due to CREDIT BUREAUS ' lack of response, which I classify as frivolous, XXXX and EQUIFAX have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and FIX my record. Please Fix the account XXXX  XXXX XXXX Balance Owed : {$2400.00}, which CREDIT BUREAUS have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to FIX the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sometime around XXXX I logged in to my citibank credit card accounts to find that they had all be closed by the issuer. I am not sure why citibank decided to close my accounts as my payment history was excellent. I understand they have the right to close my accounts at their own discretion ; however, I had just been charged an annual fee of {$95.00} on my citi XXXX XXXX XXXX access more credit card on XXXX XXXX. Citibank charged me in advance for the annual fee, only to cancel it just a few weeks after taking my money. 

I reached out to citi about this issue, and they confirmed that I absolutely would receive the {$95.00} credit as a refund on my final statement. Unfortunately, I never got another statement from citibank. I reached out to them again today, and now they are saying that I will not be getting the {$95.00} annual fee refunded. 

I saved the online chat with a citibank representative where they assured me numerous times that the annual fee I had just paid would in fact be refunded. I have attached it to this in the complaint.

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
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2021 chase bank denied me credit which is not possible being that Im the original creditor stated under 15 usc 1602

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: FirstPoint Collection Resources
State: FL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. 

This was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. 

Paid in an Full Amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I joined XXXX XXXX a while ago to monitor my credit as it was free to join. I was an XXXX XXXX XXXX for over three decades and I got a credit card in XXXX of XXXX. It's the only credit card I have. Because I have paid cash and own my property out right, I haven't needed any credit and just hit an Excellent rating a few weeks ago. 
On XX/XX/XXXX, I received a notice from XXXX XXXX that I had something in collections. I checked and it was a bill for {$350.00} and I knew nothing about it. Nothing was specified except a tree service. I have never ordered a tree service, never have received any written notice, and because of so many scams, I don't answer my phone unless I know the caller or viable message is left. Friends told me it was a scam, so I ignored it. Then today, XX/XX/XXXX, I got more credit card offers from XXXX XXXX, and saw that I didn't have an Excellent rating anymore, but a good rating, and that the collection notice now said I owed {$380.00}. 
A couple years ago, I went away for XXXX, and when I got back, someone had encroached on my property and cut down timber and ruined a thirty year project I had going. I got my lawyer, and settled out of court. Though what I got will not replace the tree 's or the damage. That's all I know about any work being done on my property. And it was settled. 
I have not given any permissions to cut tree 's or do work on my property. I have been home because of Covid-19. If any work has been done on my property, I was never notified and also have not received any bills. 
Before I pay {$300.00} an hour to a lawyer over something I know nothing about, I want to find out my options and I am checking to see if this is a scam and how to handle it. 
Like I said, I don't know who submitted the debt collection against 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 2021-09-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I contacted Citibank to make a payment in full on my XXXX statement. Due to credits I was told by the representative on the phone that I only had to pay {$6300.00} to avoid any interest. 

So I paid that amount, however, I inadvertently paid from my personal checking account XXXX when I meant to pay from my business checking account XXXX. I discovered the error within 24 hours and immediately on the next day, XX/XX/2021, I contacted Citibank and paid from my business checking account ending in XXXX. I asked Citibank to refund the initial {$6300.00} to my personal account ending in XXXX. The representative told me that I would receive a refund within 10-14 days. I asked the representative why they can take my money within a matter of seconds when I pay them but when they reimbursed me for my error it would take 10-14 days. 

Like the big bully these banks are, they told me that is their policy as they had to investigate. Seems odd that they dont have to investigate when I pay them but they have to investigate when they refund my money. Very typical of a one-way street. I am very upset at Citibank as I find this to be very crooked and not a very honorable way to do business. Especially when I have been a very good paying customer with a history of paying on time in full every month. 

I have supporting documents to go with this complaint that show when I paid them on time, twice, once through my personal and once through my business. I also have supporting documents that show the dates that these were paid as well as the fact that they will charge me 15.24 % if I dont pay them in full. Due to the delay because of their bullish ridiculous policy, I expect them to pay me my {$6300.00} immediately plus interest at 15.24 % which comes to {$96.00} plus a late fee of {$40.00} since at the time of this writing they are past the 14 days they promised to reimburse me which is unacceptable to me in the first place. I expect to be paid within seconds just like I pay them within seconds. 

The total reimbursement after interest and late fees come to {$6400.00}.

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 2016-07-06
Company: Ditech Financial LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have complained before still nothing done ditech has XXXX my escrow account by still not paying my taxes. i made them the last time, they still did not notify the town to get tax bill.i received the tax i called they used the the words as before the " NEED TO RESEARCH '' after two months .THey say for me to fax the bill. no it is their job to get the bill. they do n't return phone calls because they know i am mad. i hope i do n't have to take time out of my schedule to pay the taxes again. 

in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company did not send any written communication prior to adding this account to my credit report. Per FDCPA every company is required to send a written notice for collection accounts prior to reporting an alleged debt to the data furnishers ( XXXX, XXXX and XXXX ) that was not done. I did not get the opportunity to dispute this debt due to the companies lack of following the Fair Debt Collections Practices Act.

This has created a situation where I am not able to move. due to the companies failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX This account is not accurate. This account show an inaccurate date of being reported as well as the date the account was opened is also wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a past due charge on my mortgage from Ditech Financial. I contacted them on Thursday XXXX XXXX. I was told " I received the late fee because my mortgage was paid too far ahead. '' I asked how that was possible and they said it was because they had mis-applied the funds. There have been no missed payments, they withdraw the funds every two week from my checking account. They said they would " waive '' the late fee, but could n't guarantee that this would n't happen again, because the mortgage was paid too far ahead. As of XXXX XXXX, the late fee has not been removed from the account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: Professional Claims Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello. I received an invoice from XXXX XXXX XXXX for the services provided. I made full payment of balance due on XX/XX/2021 and received a confirmation email from XXXX XXXX for that payment. Yesterday I received a debt collection notice from debt collection agency PCB that I owe balance of {$60.00} and they are sending notice to collect this debt. 
This collection notice has raised my XXXX XXXX because I don't owe any debt to XXXX XXXX XXXX. This is a harassment to consumer without verifying if he/she owes any debt. 
Is there any Government Agency who can control this unnecessary harassment to consumers?

I have attached collection notice as well as payment confirmation email for reference. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Kriya Capital, LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in the mail from Credence Resource Management who is allegedly representing XXXX XXXX XXXX XXXX the letter stated this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for XXXX. I assumed this was a check or money that was owed to me for by law I can not pay on a positive balance. They also were in violation of several federal laws that I placed in the attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I filed a complaint XXXX/XXXX/XXXX in regards to incorrect information on my credit report. 
XXXX XXXX 's is showing a 30 day late payment XXXX of XXXX. I have never been late and have disputed this error thru Equifax. Equifax has not removed this error even after filing a dispute with CFPB. XXXX Bank has already made contact with Equifax and provided them an updated AUD to correct this error and they have not. It has been over 30 days and this information has not been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: The CMI Group, Inc.
State: UT
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:
Credit Managements is reporting a debt on my credit file that i do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. I never received any phone calls, letters, or notices about this debt and I'm pretty sure that violates my 30 day right to dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-16
Company: ENCORE CAPITAL GROUP INC.
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:
XX/XX/2021 amount {$170.00}. I contacted the company with a invoice for the violations an cease an desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX, 2017, I was filling out an application through Quicken Loans ' Rocket Mortgage program to see what products they could offer me for a condominium I was purchasing in a new development. I specified the details of the home as well as the down payment I was willing to put down and I provided all of the necessary financial information they requested. I provided my SSN and  my wife 's SSN as well. There was no indication of what mortgage products Quicken Loans had to offer and before making sure they had any mortgage product they could offer me, they immediately performed a hard pull on my credit report and on my wife 's credit report. I learned after this that Quicken Loans does not offer any mortgage products for condominiums in new developments and that our credit reports did n't even need to be pulled. I called Quicken Loans to complain about this issue, but they argued that a vague disclaimer that mentioned nothing about an immediate pull on your credit before considering mortgage options was enough to free them of guilt. I have spoken to several lenders and every single one of them always checked to see what potential products could be available for my wife and I before they made a decision to pull our credit. Several of the other lenders we spoke to also had no programs for new construction condominiums, but they informed us prior to ever pulling our credit.
My complaint is that Quicken Loans did not ethically, permissibly, nor reasonably perform hard pulls on my credit report and my wife 's credit report. They had sufficient information early on in the application process to know that they had no mortgage option available to us regardless of our credit reports. They also did not get permission to perform an immediate pull on my credit report without considering what options would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had checked my credit report on XX/XX/XXXX and saw an unfamiliar credit card on my record. It stated it was an Amex card ( number starting with XXXX... ) It was opened in XX/XX/XXXX. The current amount balance is {$29000.00}. At one point that highest balance was {$72000.00}. After calling American Express, I learned that it is a personal credit card and I am listed as an authorized card user and not the main card holder. They had at least added my name and social security info. I had call 3 credit bureaus on XX/XX/XXXX ( XXXX, XXXX, XXXX ) and they will be investigating this issue. In the mean time, I had the credit bureaus put a credit alert and credit freeze moving forward. I had spoken to Amex again on XX/XX/XXXX and will said they will be investigating this issue as well and will see if they can remove me on this account. I'm just afraid that whoever is using my information will try to do damage on my identity and credit. Amex was unwilling to share the information of the main card holder.

Company response to consumer: Closed with non-monetary relief