BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-15
Company: The J. G. Wentworth Company
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
JG Wentworth ( mortgage broker ) offered a 20 year mortgage refinance at 3.49 %. Just prior to closing, I was given a final loan package to review which indicated that I would need to bring {$3000.00} to close with my new loan payments set to begin in XX/XX/XXXX ( I did not wish to " skip '' a month of payments in the new loan ). I also discussed the cash to close amount with the loan officer XXXX XXXX. Finally, I made preparations with my bank to have these funds ready for closing. The loan closing was pushed back a couple of days, for unclear reasons on the lender 's side, and I was scheduled to close on XX/XX/XXXX. At closing, when reviewing the documents, it appeared that the entire prepaid/escrow amounts had changed as did the plan for me to begin payments in XX/XX/XXXX.I moved forward with signing the paperwork ( with knowledge of my right to rescind ) and contacted the XXXX and her supervisor XXXX XXXX . Per the loan documents, the first payment was pushed back to XX/XX/XXXX ( without my notification or approval, resulting in additional interest prepaids being due at closing ), the 6 months of property tax escrows were moved to prepaids and 2 additional months of escrow were added. As a result of these last minute changes being made ( without my review, approval or notification ), the closing amount increased significantly to {$5100.00}. No clear explanation was given despite my speaking with the loan officer and her supervisor. I requested that they honor what had been offered to me. They continued to tell me how it was in my best interest to close the loan given the fact that rates had increased. I was offered {$450.00} off of the closing amount. I asked for them to fix the paperwork to reflect what I had agreed to and allow me to close prior to my rate lock expiration XX/XX/XXXX or to extend the rate lock x 2 weeks to allow time for their paperwork to be corrected. I reached out to the XXXX XXXX ( supervisor ) and requested that I be contacted regarding the plans for my loan. Absolutely no attempt was made by JG Wentworth to remedy this issue prior to loan rate expiration. It also appears that they have blocked  my access to the online portal containing all of my documents related to this loan. I was able to download the documents to substantiate my complaint prior to this action being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Merchants Credit Corporation
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Continues to contact me after sending a receipt of payment to the original creditor ( hospital ). Told them on the phone and in writing that I disputed the debt and not to contact me by phone any more and to send any proof that I am wrong about this debt. I have seen nothing from them to show that I owe the debt. They stopped calling but began again recently. So my complaint falls in several areas of the fair credit act. Not calling again after told. Not responding in a timely manner when the debt was disputed 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
J.P. Morgan Chase Bank 's XXXX XXXX wrote on XXXX XXXX, XXXX that Chase refused to provide a {$290.00} credit of the subject {$1800.00} charge that was posted on my Chase Credit Card on XXXX XXXX, XXXX with the reference XXXX SIENNAENTER. My attorney left a voice-mail message for XXXX XXXX ( XXXX Ext. XXXX ) on XXXX XXXX, XXXX and then spoke with her on XXXX XXXX, XXXX. XXXX XXXX advised that she would consult with a Manager and that my attorney would hear back in XXXX hours. After not hearing from XXXX XXXX, my attorney left a second voice-mail message on XXXX XXXX, XXXX requesting that she at least provide my attorney with a facsimile number so that he could provide written notification of the matter. As my attorney has still heard nothing from XXXX XXXX nor anyone else during this entire time, I am submitting this Complaint to the BCFP : XXXX XXXX had indicated in her XXXX XXXX, XXXX denial that the merchant was under no obligation to issue the credit because a " significant amount of time has passed since the date of the charge. '' But XXXX XXXX did not explain the basis for this reasoning. The merchant promised a partial credit THE DAY AFTER the transaction occurred and had been continually indicating that the credit would be issued upon my regular bi-weekly demands. The merchant had merely acted as a broker in purchasing services from a third party and, significantly, was not billed for, nor did the merchant pay, the amount that the third party would have charged it for the cancelled portion of the service, i.e., {$290.00}. It was only after it became evident that the merchant would not issue the credit -- despite his repeated fraudulent assurances over many months that he was issuing the credit -- that I found it necessary to inform Chase that the merchant failed to issue it. This matter of course does NOT concern a dispute regarding the quality of a good or service, but simply the merchant 's ongoing failure to submit a refund through Chase 's Processing System while falsely informing me for many months that the credit was in fact being issued. If the merchant claims to have never agreed to the credit and/or that it was billed for the cancelled portion by the third party, I will provide the detailed documentation that evidences the merchant 's false statements to Chase and the fact that the merchant never was billed therefor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I will be submitting for the third time this year for the same problem our mortgage company has a website, that states, you 're payments will be recognized on the date submitted, and for the third time this year we have received a default notices,

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 2022-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my credit report that I ( XXXX XXXX ) did not inquire about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is not mine was disputed back   XXXX   ans it was remove from my credit bureaus, Not it appears that new collection agency has being assign, And once again had reported to   XXXX   and   XXXX  , please see attachment credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed the loan in XX/XX/21. 

The loan has had a continual overfunded escrow account and servicer has refused to adjust the monthly payment. 

The escrows are {$960.00} for insurance and XXXX for taxes a year for a total annual expense of XXXX, the escrow account has {$4800.00} and they are collecting {$570.00} a month. 

Each time I call which has been 5 times I am told an escrow analysis will be done and the payment adjusted and the surplus refunded yet they never do what they say they will do.

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 2018-01-29
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have on multiple occasions submitted paperwork for a XXXX Loan Forgiveness Program to XXXX. Each time they have ignored by submission not responding in email or writing. When I call they give me the run around about why the application isn't processed and ask for more time. It is my understanding they were sued for their handling of these programs and I can not see where this has improved at all. As of today I am still waiting an answer on my third attempt to participate in this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: AZ
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:
I leased a XXXX in 2020. It was in the shop more than XXXX times for the same problem, so the vehicle went back under the AZ XXXX XXXX. XXXX XXXX paid me for the return of the vehicle. XXXX sent letters to all XXXX credit bureaus that the lease had been closed with a zero a balance. Experian is still showing the account as open with a $ XXXX balance. XXXX gave me a letter to give to Experian to have the credit report corrected.

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 2022-03-22
Company: CITIBANK, N.A.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Citibank has sent me a fraudulent check that I can not cash or mobile deposit. Citibank sent me a check in the amount of {$1200.00} from closed checking account # XXXX. I was on the phone today for countless hours with more of Citibank 's nonsense and poor customer service. Each rep tells me something different and places me on hold for countless hours, and even hang up. This account has been closed since early XXXX and why am I not able to take this check elsewhere and cash it This is my money that they are still withholding now from me only using a fraudulent check. 

One rep told me I wont be able to use mobile deposit for 90 days. One transferred me to a useless check verification system that kept hanging up. Everyone else has no clue and write their own story.

Again, this is fraud to give someone a check where they can't get their money. Citibank this ends now, all the games and ridiculousness.

I am getting in on the next class action lawsuit about holding/blocking people 's money, damages, and all these wild goose chases.

I was told I need to mail the check back in order to deposit it into my account ; why didn't they just refund the amount in my other account. There are no Citibanks for thousands of miles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I contacted Citi with the request below : " I am writing this letter to inform you that I have lost my job on XXXX XXXX, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. 

I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. 

I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. 

I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' They responded : From : XXXX XXXX Date : XX/XX/XXXX Account Number : Citi ( R ) / AAdvantage ( R ) Platinum Select ( R ) XXXX Subject : Re : Credit Card Agreement Reference : XXXX Dear XXXX XXXX XXXX XXXX, Unfortunately, we are unable to handle your request to reduce payment through the Secured Message Center. However, we have forwarded your inquiry to the appropriate department for investigation. If you need immediate assistance, please call our Customer Service Center at XXXX. If you are outside the United States, please call us collect at XXXX. Our telecommunication number for our hearing impaired customers is CS TDD XXXX. 

We appreciate your patience. 

Sincerely, XXXX XXXX Account Specialist. 

Then : I called the number provided three times, the last time on XXXX/XXXX/XXXX, but no one knew how to help me or what department could. 

I 'm hoping to : I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting.

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 2016-02-19
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We paid our servicer, Ocwen Loan Servicing two ( 2 ) months in advance monthly mortgage payments. Per Ocwen credit history report on the first page, Ocwen reported in XXXX 2016 for XXXX 2016 only! Ocwen failed to report our advance monthly payments that were made. Per the credit reporting statement from Ocwen, on the XXXX page reflects that Ocwen reported to the credit bureaus on XXXX XXXX 2016 and our account is current. Per the payments and amounts due statement from Ocwen reflects our next payment is not due until XXXX XXXX 2016 for {$690.00}, XXXX page. Per the payment history statement from Ocwen, this statement reflects that we are not due until XXXX XXXX 2016, forth page. The facts are, the documentation that is enclosed reflects that we paid Ocwen loan servicing advance monthly payments. Ocwen has failed to report to all the credit bureaus accurately. Ocwen has failed to report to all the credit bureaus that we are current until XXXX XXXX 2016. Ocwen Loan Servicing must report to all credit bureaus accurately, by law. Ocwen Loan Servicing must be required to report our advanced monthly payments, reflect as current, reflect that we are not due to make another payment until XXXX XXXX 2016. Ocwen is hurting our chance to improve our credit history, our FICO scores and a future loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: FIRST NATIONAL BANK OF OMAHA
State: ND
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:
The XXXX 's XXXX card has a promotional offer of 0 % interest on purchases at XXXX 's over {$500.00}. On the statement they have a section called the " Charge Summary '' that separates the transactions into the two interest rate categories. I have tried to contact them several times asking why I am still being charged interest after paying the amount listed in the " Balance subject to Interest '' column. They stated the balance is an average of the balance subject to interest. When I asked how am I supposed to know how much to pay to avoid interest charges, the man on the phone suggested I call and ask every month before making my payment because that amount is an average of the daily balances subject to interest. I called again a month later because again I was charged an interest charge after making a payment I thought was sufficient. This person stated I must take the " Balance subject to interest '' amount from the Charge Summary and add the minimum payment to find out the payment to make in order to avoid interest. This is a very very deceitful way to make money from customers. I should not have to do multiple calculations in order to determine my monthly statement balance and proper payment.

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 2022-07-15
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, Whom I can concern, My name is XXXX XXXX, I have TD bank accounts on both USA and XXXX side, So I have made a call to bank for service money transfer {$2500.00} from usa to XXXX account on XX/XX/XXXX, the amount was took on same day, but I did not get any money on XXXX account until now! During the passed more then 1 month days, I have made many calls to the bank, even asked to make money recall back to USA account, but so far still get any back yet! 
It is unbelievable, I don't know what's wrong happened, and why it takes so long to process even the recall, Aa a consumer with TDbank for more then 22 years, I am very hopeless they did with their Cross-Border department! 
At here I hope CFPB can help me and protect Consumer 's rights! 

Pls see attached document from TD BANK XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-15
Company: Exeter Finance Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Exeter finance has continuously changed the status of a mark they have placed against my credit report from In collections to 180+ days late and back again to the status of In collections in order to consistently damage my credit report. This sequence has been going on for several months and Exeter finance is quick to respond to my credit dispute as if the status is valid with each monthly change. If the debt is in collections please validate the date and mark it with the correlating status. If this pattern continues I will be forced to move towards legal action as this is an unethical tactic from your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
On XX/XX/XXXX, I opened my e-mail from my citi cards account to be informed that the line of credit on my account was being reduced from {$24000.00} to {$21000.00} and the stated reason was that I had big balances on other bank credit card accounts. I have had the citi card since XX/XX/XXXX, and with the exception of XX/XX/XXXX, I have paid my account in full or in an amount exceeding the minimum payment each month before the due date. Last month I was visiting friends in the Florida XXXX when I mailed my citi card payment on XX/XX/XXXX, but the payment was not credited to my account until XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation