BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-04
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments.   The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system.   I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in.   They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account  manager  had you send directly to her and said had to be that day because foreclosure sale is scheduled for  XXXX .     I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of  XXXX , they received all documents from me  XXXX / XXXX /  XXXX   but then continually asked for more documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is an update to complaint #  XXXX . Online customer service a t Capital One could not provide me with the name of the individual handling my case. Capital One has charged me {$210.00} solely based on the balance transfer. Capital One said its their poli cy to charge interest. However,   XXXX   XXXX   XXXX   XXXX  stated that they sent a check to  Capital One in enou gh time so that I should not be charged any interest. We have spent much time trying to get this resolved and   XXXX    and Capital One can not seem to coordinate and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been paying on a debt that Portfolio Recovery said that I owed I have asked for confirmation of the debt. I have been paying for 8 months and they have still not provided me with proof of the debt. I know XXXX credit card only had a credit limit of XXXX and by the time I finish paying for the 12 months I will have paid more. I live on a limited income and this month it will be hard to pay and they threaten to make me pay more. They are also trying to collect on a XXXX card which they again have not sent proof. I have been holding up to my agreement and they have not held up their part by sending proof. They have only harassed me and threaten legal action. XXXX credit card is for XXXX which I have been paying last 8 months and only had a credit limit of XXXX. The other card is a XXXX XXXX which I have been paying {$150.00} a month for by the time I am done will be almost {$2000.00}. Then they are saying there is another XXXX XXXX credit card which they are saying is around {$3000.00} I never had a card with that big of a limit. None of these cards have they sent me any proof of what is owed and paying this is becoming financially difficult and I believe I should have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: BB&T CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Branch Banking and Trust, aka BB & T  I spoke with a representative  XXXX     2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received    XXXX   ov erdraft fees totaling {$72.00} on  XXXX / XXXX /   2017. I   contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they  may  not be able to review all of them. They could n't promise me a resolution. As I received a refund in  XXXX   ( admittedly my fault )  they " ca n't '' honor additional refunds for 24 months from the first refund in  XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the  manager  with the research, if anything.

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 2017-05-04
Company: Lionstone Holdings Group
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
ok i have  2 p ages of payday installment loans taken out in my name and never took out law suit in my name oney stollen my ssn  XXXX  help me they are trying to kill me

Company response to consumer: Untimely response
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the Transunion about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.

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 2015-06-26
Company: The Receivable Management Services LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from RMS stating I owe $XXXX from XXXX however when I submitted a complaint to the XXXX and I was advised in writting I should disregard the bill that was issued, and in fact I was to receive a refund. Instead of the refund, I receieved a collection notice. I am attaching both the collection notice and the letter XXXX sent to the XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I currently have  XXXX  promotional purchases active on my  Care Credit/Synchrony  Bank card. On  X/X/17    I contacted  Care Credit/Synchrony  bank and requested all future payments that I make be split equally between th e  XXXX  debts after noting my last entire payment was applied to only  XXXX  of the promotional  purchases. I was informed that it was not possible to do that which I find hard to believe. I requested that their answer be given to me via email or a written letter and was told that they could not do that either. I requested to speak to a supervisor and was told by the supervisor that I would need to submit a request in writing and they could take up to 90 days to get me a response. If I took 3 months to submit a payment, I would surely occur negative repercussions but what about Care Credit/Synchrony slow rolling a simple response so I could include it in my complaint?     I do n't think it is right that the bank can decide where my payment is applied to my debts. In this case, I will be forced to pay more money each month to make up payments not being applied to  one of  my promotional purchases so I can pay it off before the promotional expiration date. If I do n't pay it off in time, I will be forced to pay the deferred interest charge currently at {$730.00} and this amount will only increase with time. If they would split the payments, I would not be in this position!

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 2021-07-28
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/21 I submitted a request to have information reporting illegally on my report removed to no avail. I have sent all required information to the bureaus.. Which included several police reports..Several FTC reports. My Identification.. Social security card and Etc.. I have pleaded with the bureaus to show me how they validated my late payments but they have not responded. I have been sending them the same information since last year. XXXX  continues to report addresses that dont belong to me. I was told several times that they would take them off. Still nothing. This is frustrating because I know my rights are being violated. I have a fraud alert on and it still doesnt help. XXXX  is reporting a fraudulent account ( XXXX  ) on my credit once again and I have provided them proof that Ive never even lived at that address. They wont even validate the account or send me proof of who this account belongs too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was given Ocwen as a mortgage company and have had nothing but grief every since. For years I never missed a payment then I modified my due to losing a part-time of 15 years. I was told I was being charged for flood insurance, when in fact it was not needed. Later we were rezoned, I then purchased insurance through XXXX XXXX and sent Ocwen the declaration page for 3 months, and they said they did not get it. Finally XXXX took on the battle and I received some credit. However, in XXXX they hit me with a {$800.00} + mortgage payment due to escrow. The mortgage went from XXXX to XXXX + and my repeated request went unanswered. I was able to get this caught up in XXXX XXXX. I have spoken to XXXX managers on recorded calls who say the past due balance has been waived and I currently only owe XXXX a month. However, when I listen to the recorded billing information it gives one amount, my monthly statement says another, and I am continuing to receive, as recent as this morning harassing phone calls for a yet different amount. 
This company has XXXX complaints against, and it should be illegal to harass someone for XXXX different amounts on one mortgage. My credit is being ruined and nobody talks to anyone there. I have operator numbers and names of these supposed recorded calls. I only the monthly payment and can not get a response from the corporate office as to why I am being treated this way. I have never been late according to their representatives recorded line until XXXX when the escrow and flood insurance got confused. I just want them to stop harassing me and tell me the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: PNC Bank N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I transferred a balance from another institution to my  PNC  credit card. I understood the balance transfer fee disclosed of {$5.00} or 3 % of the amount. I have been making payments to the card on time and well over the minimum payment due. The only balance on this credit card was the transferred balance with no purchases. However on  X/XX/2017   , I made a purchase at  XXXX  's for {$4.00} since I could not find my debit card. I knew that I would just pay this purchase off on the next billing cycle. My statement ended  XXXX  and noticed that they charged {$1.00} for minimum interest charge. When I called  PNC to  dispute this charge, the representative impolitely informed me that when you have a balance transfer on the card you " lose the time '' of interest deferring on purchases made. The  PNC  representative said that his system would not refund the fee charged. Calculating the fee charge, that is 900 % charged on a {$4.00} purchase for 6 days. I have also review the disclosures and was not able to find caveat the rep was claiming.

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 2017-05-04
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On  XXXX   XXXX  I made a manual payment on my student loans through  Nelnet for my  federal loans ( and their subsidiary  XXXX  for my private loa ans ). I 'm also  set up to autodebit, where I selected " pay balance due '' as the payment option.     To me this should clearly mean I only pay what I currently owe on my payment date but apparent ly Nelnet and   XXXX  prefer to set their ToS in such a way that they 'll charge me a month payment on the date regardless. It 's not clearly expressed that making payment early does n't cancel the auto debit. I 've now been charged several  hundred dol lars  (   XXXX  by nelnet and  XXXX  by   XXXX   on  XXXX  ) between th e two.      While initially a call rep said I would be able to request a refund of the manual payment, the resolutions department refused on the basis of both payments being authorized. Since there 's no way to make an unauthorized payment I 'm not sure what else they expected. The person I talked to literally sounded like a soulless drone. They lectures about reading ToS and were callous to the fact they  may expose me to late fees and fines on other bills by double charging me. There was n o escalation beyond a voicemail I would not be guaranteed a response from.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ocwen Financial Corporation
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have filed several Qualified Written Requests and RESPA disputes with the XXXX major credit bureaus and with the original lender. When this loan was transffered to Ocwen, they were reporting an incorrect payment history and claiming that I owe late fees ( I was never late ). Now when I make a payment, they are still reporting me late every month to the XXXX credit bureaus, but I am not late. They want XXXX in late fees, which is robbery. I am trying to refinance my home and I can not get financed because of these inaccurate late payments reporting. When I call Ocwen, they can not help me out and tell me to file a dispute, when I file a dispute, they do not respond in the proper time frame. They are making it impossible for me to refinance to another company.

Company response to consumer: Closed
Consumer complaint received 2017-05-04
Company: CFM Group LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The originator of the debt is   XXXX   XXXX  . We canceled our phone and internet service with them and switched to  XXXX . They were upset, so they left the internet service on, even through we switched to a different company and then started calling saying we owed them for the internet service. We told them we canceled the service and were not going to pay. They gave us some lame excuse that we only canceled the phone service, not the internet and that we had to do that separately, so we still owe them for that service. Since that time, they have sold our " debt '' to multiple collection agency. We explain to each  one  the situation and that we were not going to pay. Most have attempted to collect anyway and called for a month o r two th en given up. The most recent company,  CFM Group , phone #  XXXX , Representative  XXXX   XXXX  has been calling at least once a week. Last week Thursday   XXXX   2017 we  told him the situation, explained to them that we are not liable nor will we pay and that owner told us to be polite, but tell them no thank you and hang up.The owner of our company, then proceeded to call   XXXX   XXXX   and informed them again of the situation, which they insisted we owe them anyways and refuse to remove us from collections. However,  XXXX   XXXX  of  the CFM Group, decided that our response was n't acceptable. So today  X/X/  2017, he c alled 5 tim es in 10 minutes. The first  3 calls wer e handled by the sales woman here. She was polite and asked him not to call then hung up. He called back immediately and hung up on her. Then called a  3rd time and  she explained that he was acting in a harassing manor and he was not allowed to do that, he was impeding our business. He said he had the right do what he was doing, because his calls were a business call to collect a business debt and the call ended. Then he called back immediately and that 's where I stepped in. I got the call, confirmed it was  XXXX  again, told him that he has called multiple times in  10 mi nutes, which he said was n't true, but I was present for all the calls, and I told him that if did n't stop harassing us I would report him. I hung up, and he called right back. That 's when I informed him I was reporting him, and he told me " Good luck with that. '' This is a clear cut example of harassment by   XXXX   XXXX  . Some of these  collectors  think everyone is not informed of their rights in regards to collection. They use this to their advantage to harass people. We understand that they have a right to call, but to call multiple times inside a short period of time and harass us is never acceptable. We would appreciate your swift action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been working hard to address my student loans with no help from navient. I have applied for income based repayment however they have never responded in writing to my multiple request and when I call I am always given a different monthly amount as my new repayment amount that I well above what I am capable of paying especially in the midst of  XXXX  and a divorce.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Citibank advertises to provide customer service, yet their customer service is a dismal failure fraught with agents who either have no idea what they are doing or are simply lazy. I have been an excellent customer of Citbank for years -- always paying my credit card in full monthly. Last month, I misplaced the statement and found it five days after the payment date. I immediately made a payment in full and called Citibank to explain the oversight and request that they waive the fees. The agent agreed. I verified two days later that the payment from my bank to Citibank had posted. The interest was never credited back to the account. I am in the process of applying for a Mortgage. Citibank reported my account as past due, which resulted in my not qualifying for the rate I had been promised by the loan officer. The loan officer told me I could write a letter of explanation and attach a letter from Citi showing my account number and the current balance due. She explained that time was of the essence. I immediately called Citi and the agent agreed to fax the letter to the Loan Officer and upload a copy to my Citi portal. She said that was the quickest turn around she could offer. She never uploaded the letter to my portal and the letter she faxed to the Loan Officer, which arrived 24 hours later, was not correct as it did n't include my full account number. ( As an aside three days prior I inquired with Citi to find out what " flags '' they put on my account. The Customer Service Agent who I spoke with at length told me he would research and call me back the following Monday to explain. He never did. ) So, I called Citibank customer service again and requested to speak to a manager. I was routed to an agent named XXXX ( they do n't share their last names ) who claimed to be a Sr. Supervisor of the customer service team. XXXX told me that Citi can not provide a letter with the full account number because it 's against their policy. He said that they can only reveal a full account number in the case of an emergency and he did n't deem my situation an emergency -- even after I explained that not having the correct documentation timely would cost me several thousand dollars. My loan officer explained to XXXX that the request for a letter with full account number and balance due is a routine request from lenders. He would n't budge and refused to escalate my call to a more senior person at Citi.

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