BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-18
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The note on our home located in XXXX California allows us to pay our mortgage to LoanCare right up to the XX/XX/XXXX of the month, I pay it through my bank with online banking so I 'm never late. however despite paying LoanCare on the fifteenth of the month they always send me a late payment notice demanding and extra {$50.00} as a late fee multiple times with a letter, however, we are not late. If I thought there was a problem with my bank then I would file a complaint with the Controller of the Currency, but my bank pays everything on time as reflected in my credit report scores. I have already notified LaonCare to stop this practice and they have replied with a letter, however I don not expect any change. now they are notifying me our home owners insurance has expired 19 days after the date they allege our hazards insurance has expired forcing us to comply with the choice of their insurance company resulting in higher fees. These are deceitful and misleading practices and need to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
1- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 2- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 3- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} XXXX XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paper work Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 5- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for XXXX Difference of {$19.00} 6- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00} 7- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1200.00}. But Ocwen billed me for {$1200.00}. Difference of {$19.00}. 
8- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. On this date my interest rate is 3.875 % payoff amount per Ocwen is {$170000.00}. Ocwen took over my loan at the amount of {$20000.00} at the same interest rate. Should n't the monthly payment be dropping since 3.875 % of {$170000.00} is less than 3.875 % of {$200000.00}? But Ocwen has been raising my escrow payment it seems to make the difference. 
9- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$58.00} 10- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00} 11- XXXX payment according to Ocwen and the paperwork Ocwen sent me my total monthly payment for XXXX is {$1100.00}. But Ocwen billed me for {$1200.00}. Difference of {$53.00}. 
This is a difference of {$350.00} That should of been applied to the principal of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX - CMS acquired my mortgage from XXXX XXXX - Agent contacted me to discuss FHA Streamline refinance options from XXXX office. 

XXXX - Moved forward to closing after delivering all paperwork required. Initial signing botched by Notary. Closing rescheduled for XXXX. " Bring to closing '' amount refunded. No other concerns reported. 

XXXX - Calls start coming in about " why I have n't paid my mortgage '' ( were told we would skip XXXX payment as part of the closing ). Emailed Sr. Loan Officer on XXXX to ask about calls. He responded on XXXX saying it was normal, procedural, and not to worry, all was fine. 

XXXX closing - signed all papers with new notary. She sent them off. Called Sr. Loan Officer to discuss higher " bring to closing '' payment required. He explained that amount was probably designated to cover previous XXXX payment that was skipped, and now we would be skipping XXXX payment instead, new loan starting in XXXX. Sent off closing amount as cashier 's check a few days later ( once refunded check cleared bank ). 

XXXX - received collections call from Carrington Collections department. Asked why I have n't paid mortgage in two months. I explained that we were refinancing ( as I had before ). Was told that there is no record of refinancing, and anyway, we are not qualified for refi because of missed payments ( we do n't miss payments - only skipped because told to! ). Reach out to original loan officer. No answer. Reach out to Sr. Loan Officer. No answer. Reach out to their boss. No answer. Emails. No response. 

XXXX - Receive a check from Carrington via certified mail dated for XXXX XXXX for exact amount of " bring to closing '' fees. Multiple calls placed to all loan officers. No answer, nor any call back. Reach out to Carrington customer advocate dept. Told situation looks unusual, told he could see a request for origination/funding the loan, but loses the trail there. Advocate reached out. At last check, XXXX, no further information given. 

XXXX - Negative credit report notification via XXXX " protect my ID '' service. 

We followed all instructions and signed in what I thought was a legally binding, notarized closing. Now we are in default with credit action being taken against us, no one will pick up the phone or call us back, and no one seems to have any answers. I am appalled and disgusted with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Santander Bank advertised its XXXX accounts by saying that customers could earn an extra {$20.00} per month " for as long as you own the account ''. This was obviously meant to imply that this was not a temporary promotion. However, about 2 years later, they closed all of the XXXX XXXX accounts and transferred the balances into XXXX of their other products. Their advertising was intentionally deceptive. In addition, after closing my accounts in late XXXX, I realized that they had never credited my account for the last {$20.00} that I was due for the month of XXXX. They admitted their mistake but said that since I had closed my accounts they could not give me the {$20.00} I was due.

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 2015-07-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I have just noticed an inquiry on my credit report with XXXX from Macys placed on XXXX XXXX. This inquiry was never done by me nor have i authorized it. I have not applied for credit in over 4 years so this was certainly not authorized by me. Please investigate this and remove it as i do not even have cards with this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: General Motors Financial Company, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2016, my XXXX XXXX was involved with a accident that occurred as the result of the gas accelerator sticking. The car has been in the dealership since that time. GM failed to respond to my request to investigate the situation until XXXX XXXX, 2016. The problem is that I am still having to pay a month lease payment and weekly car rentals of XXXX week. I called to see if GM could defer the payment of nearly XXXX per month and I am told that they do not defer payment of lease vehicles. Is there something that can be done because I an suffering financially?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Citi enrolled me in an optional 'Credit Protection ' program without my consent. I called the phone number to cancel it at XXXX and was placed on hold for 40 minutes from XXXX to XXXX on XX/XX/XXXX. I had to log into their alternate website XXXX to cancel. 
I did not enroll in this service and had I not opened up what otherwise looked like another piece of junk mail they would have applied a surcharge of {$9.00} for every {$1000.00} carried as a balance on my monthly billing statement. Guess they learned this trick from XXXX XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written to Fidelity Credit Svc 4 times My 1st communication was to dispute this bill. I was quoted {$70.00} at the window I had XXXX people present with me I was to be billed for a consultation I spent less than 5 minutes with the doctor and medi-care would be billed They say I owe {$110.00} after billing my medi-care. I have sent them 3 additional letters which they first received XX/XX/XXXX with my requesting validation of this debt I again sent another request for validation which they received XX/XX/XXXX I SENT OUT A THIRD REQUEST FOR VALIDATION ON XX/XX/XXXX WHICH THEY HAVE RECEIVED and still no response from them nor have they deleted it from my credit reports Under the Fair Credit Reporting Act I have a right to dispute incomplete or inaccurate information and consumer reporting agencies must correct or delete inaccurate, incomplete or unverifiable must be removed or corrected. They wo n't even respond must less correct or dispute my claim I am exhausted from having to remedy my own complaints

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: DFC Global Corp.
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
Hello, I received an alert to my credit report and it was a credit inquiry from a company called MoneyMart. I never applied for anything with this company and when they pulled my credit report they should have seen a fraud alert and my phone number listed to contact me prior to issuing credit and application verification I did not authorize the inquiry and asking for the fraudulent inquiry to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Santander Bank has not issued a refund check for the Sovereign Identity Protector. I was sent a letter telling me I didnt cash the check sent to me XXXX/XXXX/XXXX. I responded to the letter to for a new check on XXXX XXXX, XXXX. I have been in contact with their customer service the past three weeks and have had a lack of customer service and only told that there was a delay with the checks. the week ending of XXXX XXXX XXXX I spoke with a supervisor gave me a reference number. Then I spoke with a XXXX XXXX at XXXX on XXXX XXXX XXXX about the matter, he was supposed to try getting me a date that I would receive the check, but have not heard back from him and when I tried calling his phone it goes to his voice mail.

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 2015-04-28
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
l relocated to another state, found out my bank did not have any branch in the area. l called my bank to close the account, they told me l need to come to the branch to close the account which l did. the cashier closed my account, gave me my money, he told me this is the money l have. he did not explain to me he gave me # XXXX dollars from the line of credit to borrow of which l could have not accepted that. he gave me a wrong information saying this is all my money l have in the bank. now the bank is teling me i need to pay the money with interest. if l have borrowed the money, l should have talk to them on how to pay the money back. since l was informed wrongly, which was not my fault, l should not be charged for the interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-12-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I requested a credit report from XXXX, equfax, and XXXX and they refuse to give me a credit report after I was denied credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.

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 2015-09-01
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I am receiving calls at least XXXX times a day/night for my brother in law 's outstanding debt of {$48.00}. When they call they are looking for XXXX. I have told them over two months this is not XXXX home and to stop calling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted various complaint on a problem I am having with my mortgage company and up until today they have not given me a glimmer of hope as to what they will be helping me stay with my home, at this moment I have no idea what I 'm going to do I am in total disbelief that there is n't someone higher then them to help me out, Once again I was under the impression that if they would n't give me a solution you 's would help me get to the main source, I have a foreclosure date of XX/XX/2016 what am I going to do, I received a call from a XXXX XXXX were he told me that nothing can be done because the foreclosure day was going to be soon and they did n't have time to start the paper work this was Monday XXXX/XXXX/16 and you tell me that from then until XX/XX/XXXX there is n't any time or is it that he does n't want to help I told him I was going to see what can be done and without any further word he just hung up and that 's it. I do n't want to continue complaining to you. Please help me find a solution to this because I 'm at a point that I think I 'm going to go crazy. Once again thank you and I hope something can be done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: BB&T CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
a car loan for XXXX per month for 72 months was original agreemen. 
6 months of extensions at various intervals during course of loan loan maturity was extended to XXXX 2016 .I WAS TOLD ATTHAT TIME XXXX WAS STILL OWE.THIS SEEMS LIKEAN EXHORBITANT AMOUNT OF INTEREST FOR A 6 MONTH EXTENSION,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Information belongs to someone else

Complaint:
Equifax has placed another fraudulent medical charge on my account from XXXX for {$400.00}. I am unaware of this charge, the charge does not belong to me, and the charge is fraud / fraudulent. I don't even live in the state where the charge was made. My identity and identification had been stolen and used for years and still is, as I have reported to Equifax. Equifax is aware of my identity theft that I reported to them. I do not live in the state in which the charge was placed. I would like for Equifax to remove the {$400.00} charge. I have never had any dealings with the collections. The charge and account are fraudulent. Please remove from my credit report.

Company response to consumer: Closed with non-monetary relief