BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Debt from CitiFinancial XXXX now One Main Financial ) that was Canceled and discharged by them because of their reorganization is listed incorrectly on my credit reports as a Charge off seriously affecting my credit and my score We had a balance of around {$4500.00} when all the Citifinancials closed around us. They stopped sending statements nor made any attempt to collect this loan and we had no idea even where to contact them, For years they made no contact of collection attempts and then in 2014 canceled the debt ... Now they are listing it as a charge off. We were willing to pay its THEIR fault as they stopped sending us statements nor made any attempt to collect this loan when they collapsed. I have tried to resolve this by filing complaints about the credit reporting companies. They all say they have verified the debt. On my contact to the former citifinancil I was run around to XXXX different people who hung up on my twice and could not even find the account. I made repeated request to talk to a supervisor but was just passed on to another person or just hung up on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Billing disputes

Complaint:
I called Citi Bank credit card to make a payment {$22.00} on XX/XX/2016 ( due date XX/XX/2016 ) confirmation # XXXX.Citi sent next statement due XXXX/XXXX/2016 amount of {$45.00} ( interest $ XXXX late fee {$22.00} + {$22.00} ). I called and a lady at Citi Bank told me " do not pay that amount till investigation done. On XXXX XXXX at XXXX the investigation department from Citi called said that the balance is XXXX.I gave them XXXX phone # and XXXX debit card # in case they want more information. Again on XX/XX/2016 Statement said I owed {$58.00} ( {$22.00} + late fee {$35.00} + interest {$.00} ) I called and talk to serveral person, they keep transferring me to different department, finally a man named " XXXX '', he got XXXX debit #, and try to find out where the amount of {$22.00} go to, after 30 Minutes he told me {$22.00} was posted at wrong place, not to my account he told me that a Manager will call me on next 24- 48 hours, he admit that it was Citi mistake from day one ( XXXX XXXX ,2016 ) .He said sorry and I will not get bill again.Again Citi keep sending bill to, this time they took off later fee that they should not have charge.The bill was {$22.00}. I went to XXXX for help on XXXX.The branch manager speak to Citi on my behalf.Citi manager name '' XXXX '' told us the account would be XXXX in 2-3 days.Again the bill stay the same.On XX/XX/2016 We called Citi and they want us to fax statement from XXXX, monthly statement fo Debit card that Citi deducted money {$22.00} from.They told us would investigate that will take 7 To 14 days .Still the bill of {$22.00} remain.I got email from Citi on XXXX/XXXX/16 that they got the Fax copy from Schwabs and will investigate again.On XXXX/XXXX/16 We called Citi at XXXX XXXX from XXXX, Citi told us that they never got the Fax they want me to give XXXX debit card # again so they will investigate.I did not have card with me so they told that they will call me at home in 30 minutes, I wait till XXXX without any call.This Was fifth time that I gave XXXX Debit card # to Citi and they have never found where they post {$22.00}. I gave them all the proof that Citi took money out on XX/XX/2016 and yet Citi want to bill me for {$22.00} again.Why do they can not fix the mistake that someone at Citi mess up post {$22.00} from with they took from Debit card at wrong place.In the mean time bill is come due on. XXXX/XXXX/16 and if I do not pay {$22.00} again they will charge late fee again.

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: NEW YORK COMMUNITY BANK
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Green Square Company LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting called on my home line an under a name that is not mine. The company is using my first name but has an incorrect last name. Furthermore, I have no debt owed aside from student loan debt, which are in good standing. 

Premier Recovery Service calls my phone each and everyday. When I answer, the person says they have legal documents they are about to serve me. The message is an automated system and there is no way for me to speak to a representative. I can not get them to stop calling. 

I do not owe anyone any debt of any sort, other than student loans, which again, are in fine standing.

Company response to consumer: Closed
Consumer complaint received 2016-06-06
Company: Credit Service Company, INC
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I reviewed my XXXX credit file In XXXX XXXX and discovered that there were XXXX collection notices from Credit Service Company in XXXX, XXXX on behalf of XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX, XXXX. I asked XXXX to investigate and they quickly verified that the bills belonged to me because the collection agency had a lot of my personal information. I had been hospitalized in XXXX XXXX at XXXX XXXX XXXX Hospital for at least a week. Medicare and XXXX XXXX XXXX XXXX XXXX paid the hospital bill in full and I assumed the associated bills from XXXX XXXX XXXX XXXX which is a separate billing entity were also paid in full. They usually have been paid in full. No one contacted me about unpaid balances From XXXX XXXX until now I have never received a telephone call nor correspondence from XXXX XXXX Hospital, XXXX, nor XXXX XXXX XXXX. Only XXXX XXXX XXXX XXXX uses XXXX XXXX XXXX as bill collector. I can not verify that the amounts ( approximately {$210.00} ) are vaild. There is specific no description of the services provided. The bills paid by XXXX and Medicare amounted to over {$5000.00}. I ca n't even find an accurate telephone number nor address for XXXX XXXX XXXX Services. I will not pay the collection bills until the amounts are described and verified. I have lived continually at my address in XXXX, XXXX and retained the same telephone number for approximately 29 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: JAMES B. NUTTER & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA residential mortgage for my primary residence. The mortgage loan originatorwas not licensed as a loan originator in North Carolina. The residential mortgage lenderXXXX XXXX XXXX & XXXX signed a multi-state enforcement agreement with XXXX Commissioner of Bank on XX/XX/XXXX. My FHA loan was originated on or aboutXXXX XXXX, XXXX. I have filed a Complaint with the XXXX Commissioner of Banksregarding XXXX XXXX XXXX XXXX XXXX continued pattern of noncompliance violatingstatutory and regulatory laws. ( N.C. General Statutes, XXXX. Mtg. Licensing Req., HUD regualtions and CFPB regulations. Pursuant to FHA HAMP programs procedures, I request that my mortgage loan account be Escalated accordance to HAMP procedureduring the loss mitigation process. On or about XX/XX/XXXX, I submitted a appeal forEscalated Case review. On XX/XX/XXXX, I faxed a complaint to HUD XXXX about XXXX XXXX XXXX XXXX XXXX failure to Escalate my appeal according toEscalation procedures. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX thatmy file was closed, On XX/XX/XXXX, I submitted a Complaint to North Carolina BankingCommission regarding XXXX XXXX XXXX & XXXX. On XXXX XXXX, I responded to XXXX XXXX. 
XXXX letter dated XX/XX/XXXX. Additionally, I have made Qualified Written Request under RESPA and have yet to receive the name and address of the investor /guarantor and Pool ID and other relevant contact information about the owner of my loan this QWRwas submitted via email on XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXXacknowledged receipt of my QWR. On or about XX/XX/XXXX, XXXX XXXX XXXX initiatedforeclosure process during my request to have my appeal Escalated for Case resolution. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: ND
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had a credit card through XXXX who in turn went out of business and was bought by orchard bank. I filed bankruptcy in 2009 and both these accounts were listed in the bankruptcy. XXXX XXXX then sold an account that was legally discharged to XXXX XXXX XXXX. They in turn sold it to Portfolio Recovery Services, who has been harassing non-stop to collect the account. I do not owe this account and they are the ones that purchased the account that was not even valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection agency is reporting false information to the credit reporting agencies. Collection agency says I owe them for a debt. I asked the debt to be verified and proven that I owe this debt to collection agency. Collection agency failed to prove that I owed the debt. Collection agency is violating my rights by reporting false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX was my previous mortgage lender for approximately 9 years plus. Carrington Mortgage bought my loan in XXXX XXXX. Within 3 months of my loan, my escrow amount changed. I did not know my payment amount had changed. I paid the regular amount I pay. Then in XXXX XXXX, I was threaten to foreclose on my house. I could not understand why. I checked my bank and my check had been cash on XXXX/XXXX/XXXX for my XXXX payment. They allegated that it was not a full payment and it had never been applied to my account. In XXXX XXXX I paid my payment online and there website told me it had sucessfully been submitted. See attached copy for both payments. In XXXX XXXX I got another letter threatening a foreclosure again. When I called them they said I had made an error entering my account number. If this was the case why did their website give me deceiving information. In XXXX I decided I was refinancing and to my surprise they had reported to credit bureau ( XXXX ) 30 day notices. This ruined my credit and I was unable to refinance. In XXXX XXXX, XXXX I send them attached complaint requesting a written response and they never did. The confirmation for fax transmittal is also attached. When I received my XXXX XXXX statement it was not reflecting my XXXX XXXX payment. So when I called them I told them that my funds were debited from my bank. They asked me to fax a front and back copy of cancelled check. When I went to my bank they could not provide copy because Carrington had cashed electronically. When I called Carrington back they said to send them my Bank Statement. I said no that I would provide something from the bank. I was told by there Customer Service Department that it would take 15 to 20 days to resolve my issue. I became desperate and decided to find an advocate for Carrington. It was a coincidence that as soon as contacted them they mentioned they had found my payment. I believe they are doing all this to continue to ruin my credit so I can not refinance. Please see attached email. I have filed a complaint with all credit bureaus and Carrington to remove this errornous information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: GVA Holdings, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Already paid XXXX already on a XXXX dollar loan to Northern Plains Funding loan approval was all done over the phone did n't have a chance to review paperwork for loan and interest rates. Balance of loan fluctuates and was told if I want out of loan would have to pay XXXX. They said I am paying finance charges with a small principle on loan that 's why I owe so much and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Asset Acceptance attempted to validate Alledged Account # XXXX XXXX XXXX XXXX after I sent a validation request to them via certifiedmail. Asset Accepance failed to provide the Original Contract withmy signature and failed to provide a litany of documentation such as proof that they actually own this alleged debt. 
AALLC continues to report this debt on my credit reports whichis deemed to be continued collection activities.I request that AALLCdelete this inaccurate, incomplete, injurious information from all mycredit reports immediately as I am compiling their multiple violationsof Pennsylvania Consumers Laws, FCRA and FDCPA. 
This company also illegally verified my credit disputes via the creditbureaus.AALLC has ignored all my attempts to rectify this situation. 
AALLC isbeing willfully non compliant and are fully aware of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding has inaccurately reporting on both my XXXX and XXXX credit reports. I never established any contract with this company and they are trying to collect a debt I do n't owe them and they are in violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-10-31
Company: Hauge Associates, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone from Hauge Associates called my work number claiming that I owed a debt. I do not have any debts, and the person, XXXX, claimed she never called me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: GATEWAY FIRST BANK
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XX/XX/2016 Gateway Mortgage sent an escrow disbursement to my homeowners insurance company. On XX/XX/2016 thee check was returned by the bank which meant my homeowners insurance was n't paid. I got a notice from the insurance company about this which said the payment was due on XX/XX/2016 and they never received a payment. I got in touch with the mortgage rep who emailed the escrow dept and I guess they sent another check by regular mail which means the insurance had not gotten it on XX/XX/2016. Nobody ever offered any kind of explanation for what happened. If my insurance agent had not called them we would have never know they even mailed another check late. I had more than enough money in my account to cover the check. I think they owe me some answers for this, for which they refuse to give. They wo n't even say I 'm sorry. If you call and ask for a supervisor they will just tell you they are all in meeting.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. 
Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? 
Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I filed complaint number XXXX because Chase charged numerous overdraft fees on my accounts after I had responsibly made sure there was enough money in them to cover all pending transactions ... I did this based on the information their mobile banking services provided me. 

It has been almost 2 weeks and Chase has not even responded to my complaint. THE FEES keep piling up. 

I went into a branch and was told that since I 'd had fees reversed in the past ( my XXXX account was once hacked into and caused debits to my account, as well as reversals which the bank granted me because I complained about their fairness ) that I would have to just eat these ... that they have no power ... it 's the policy ... XXXX, XXXX, XXXX ... .clearly the policy is to steal from people who ca n't afford it ( people with low balances ) This was not my fault. Even had it been, the amounts that were overdrawn were very small, XXXX or XXXX dollars ... And I deserve to have hundreds of dollars in fees because of this. It should be illegal. 

More and more fees are accumulating now because of pre-authorized debits that would have been covered but now ca n't be since my accounts are over XXXX dollars in the red. 

It 's literally a scam ... .Chase is going to make off with hundreds of my dollars. How is this legal??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase has been charging me excessive overdraft fees and NSF charges when I asked them not to let the charges go through as I felt my information may have been compromised before. How can I be charged {$40.00} in NSF and overdraft fees for a {$5.00} or {$9.00} charge. What is the point of doing that? Excessive bank charges for profits is unfair.

Company response to consumer: Closed with monetary relief