BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-23
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.

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 2015-10-19
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I visited Banco Populars Loss Mitigation offices to apply for an alternative [ toforeclosure ], since I was unemployed and my mortgage loan is in arrears, and I want to keep my home. 
To this day, XXXX XXXX, 2015, I havent received any notification from the bank. I didnt receivenotification within five working days of filing the application, and now more than 30 days have gone by, and I havent been informed of any decision. I am including a complete timeline of my case. 
I hope you can help me, because I dont want to lose my home, and I want banks to learn to treat theircustomers well. 
Thank you in advance!

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: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefeild and Associates is illegally charging interest on ER visits and claims that they have every right to do so. The refuse to make any settlement on the original debt and stated that the debt was not sold. The hospital specifically stated that the debt was sold and that no interest should be charged. 

I did offer to pay the full balance if the collection agency would send a letter stating they would report the balance as paid in full. They refused, stating that they will only send letters after the payment is collected. This is a bold faced lie. I talked with XXXX who refused to give a last name. 

I have been a debt collector for the last 7 years and know that the statements he made about interest, settlements and letters were all illegal and false

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: Stanislaus Credit Control Service, Inc.
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I was informed by my XXXX XXXX recruiter that I have an outstanding bill therefore, for days I have been trying to contact them to pay the debt so that I can clear my record and enter the military. I have called multiple time and left messages, i also sent a email.but have not received any reply, meanwhile I am unable to move forward toward entering into the military. See attachment..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX Ocwen XXXX Department PXXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern, Re : Mortgage number XXXX This letter is to reiterate a challenge with the taxes on our property located at : XXXX, XXXX, New Jersey XXXX. 
We have XXXX lots of land with this property. When purchased in XXXX and since the inception of our mortgage, we have always had our taxes, insurance and premium combined in one payment. I realized a couple months ago that one of the properties taxes has not been paid for quite some time. We did contact the XXXX borough and Ocwen and we can not decipher where the problem began, what changed or more importantly how to rectify the problem. 
Seemingly, something happened ( not initiated by me or my husband ) where the taxes has not been paid or received by the city borough. Therefore, we feel it 's incumbent upon Ocwen and the XXXX to figure out what went wrong, when and resolve the matter. We have paid the mortgage amount given us with the all cost included and there is no way for us to figure it out. Since the XXXX and Ocwen have been exchanging funds, maybe you can find out when the amount changed and why. If there is something we can do to facilitate your research, we will be more than willing. This letter is being sent to all parties concerned, the FTC and CFPB. 
Please let 's all get together in some manner to figure this out without putting the full responsibility on my husband and myself. 
Respectfully yours, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have contacted this debt collected with no response about this debt that I know nothing about. I have asked them to remove debt still no response. This collection on all XXXX reports is effecting my life. Legally it should be removed because this is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-06-30
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
XXXX bill I do not oweXXXX bill made in my name at a third party store.The address XXXX XXXX XXXX XXXX XXXX XXXX, md XXXX. I do not live there my information was stolen.I send in a police report identity theft too XXXX last year on this same bill I talk the people at XXXX about this XXXX for over a year it was taken off my credit report in XXXX 2015 and this company put it back on enhanced recovery company. so please contact me so ... we can make arrangement to get it off my credit .thank you

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 2015-03-25
Company: CarFinance Capital LLC, Irvine, CA Branch
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
During deployment turning in my SCRA documents was misleading and stressful.I did n't get info to do so until I was XXXX and away from home. I 've tried contacting the company to make payments.Back in XXXX I even had a customer service agent take XXXX payments without permission resulting in bounced checks and over drafts with my bank. I have to get a new bank account because of this so I could pay bills. I was told my account is under audit and I could n't getme account info or make accept payments at the time. I had the we can take payments / we will differ a paymen to help you catch up a few time while deployed. Then I 'm in Texas going through my XXXX when I finally get help from someone. At that time I 'm told I 'm XXXX payments behind! I 'm told they can differ a payment and help me get caught up. Before that could happen though they would have to take a payment to keep me out of repo and call me back about the deferment. i was never called back again except for another payment. To where at the beginning of XXXX I made a payment around the XXXX and setup XXXX for the XXXX. This was going to get the current for the month of XXXX. Meaning I still owed a payment for the XXXX XXXX payment date. I tell the customer service agent that as of XXXX XXXX XX/XX/2015 I 'm off active orders and told him I would try making both payments XXXX XXXX. He assured that will get on track. XXXX XXXX I get XXXX letters XXXX stating my intrest rate changed and a bill dated XXXX/XXXX/XX/XX/2015 that I now owe XXXX by XXXX/XXXXXX/XX/2015 and my payment is in collection. I called and was told a manager would look at my account and call me back XXXX XXXX of XXXX. XXXX XXXX I 've had to call them. Collections tells me I owe XXXX and they transfer me finance. I 'm told my account has never been audited and my payment is n't XXXX ( results of a " descrepancy from a retina audit '' letter sent XXXX ) it 's not XXXX per the bill sent XXXX. Actually it 's XXXX as of XXXX w/ XXXX as current owed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Before I XXXX to XXXX in 2008, I co-signed my wife 's private student loan since I was employed and she was a XXXX. I came home from XXXX XXXX and XXXX XXXX. My only source of income is VA XXXX and XXXX. My wife left me and got a XXXX about a XXXX after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a XXXX and XXXX XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to XXXX and XXXX XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

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 2015-11-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 've been dealing with this for months now I have a fraud alert extended fraud alert and files blocked. I 've been a identity theft victim twice already much to my displeasure. Such a hassle on everheverything I do. Citizens bank is not understanding the meaning of fraudulent charges and has a balance of {$290.00} in an open account in my name after countless hours online and disputes to them and investigation I gave up. I refuse to pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
We received a bill from " ERC '' ( the only identification on the bill, no other heading on the bill ) collecting on a bill from XXXX XXXX XXXX ( XXXX ). We have lived in the same house for over 30 years and have never had XXXX. The bill was for {$190.00} Called ERC, they referred me to XXXX. Quite clearly through the conversation with XXXX, this account was not associated with us, except that the first and last name of the delinquent consumer was the same as my husband. XXXX told me that I needed to file an identity theft report with the police and a notarized affidavit regarding not receiving services. In other words, a half day 's work. The entity that had stolen my husband 's identity in this scenario was ERC. 

While on hold, I googled the name and found an obituary for someone with the same first and last named in the correct city where the service was provided ( which the XXXX rep has disclosed ). 

ERCs apparent practice is to mail a bill to someone with the same name as the delinquent account in hopes that they will simply pay the bill. To me, this seems the same as " phishing '' using the USPS rather than the internet. It seems like fraud to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-08
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I signed up for this loan without realizing my total payments were going to be {$4200.00} in total on a loan that was for {$600.00}. 
I did n't realize these disclosures until after the fact. This is outrageous. How can a company get away with a 849 % annual percentage rate? This is killing me. I have already paid them {$1000.00} and still have XXXX more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have just completed our 4TH attempt at a loan modification. The first 2 times we filled out this paperwork through OCWEN and we were told that unless one of us dies or we completely lose our jobs that we would never qualify for a modification. The 3rd time we did this, we were successful due to hiring a 3rd party agency ( Paying them {$2800.00} ) ; only to be ultimately denied because of a document delivered to us ( on or about XXXX XXXX ) by OCWEN dated XXXX XXXX, 2016 ( see attachments dated XXXX, XXXX and XXXX ) asking for a payment due on XXXX XXXX, 2016 in the amount of XXXX ( which they received but then returned to me ). 

After being so completely distraught and speaking with Ocwen Agent # XXXX I have been told that my circumstances are unfortunate but I needed to go through the process all over again. See the contract I signed stated that my first payment was due XXXX XXXX, 2016. This contract was dated XXXX XXXX, 2016. On XXXX XXXX, 2016 I received a statement ( payment coupon ) from OCWEN requesting the payment of XXXX be paid on XXXX XXXX ; this is the amount of XXXX and XXXX trial modification payments combined. I TRUSTED that the documentation I received from OCWEN was truthful - however, I have since learned that it was a LIE and a TRAP to cause us to fail! Ocwen ( Agent # XXXX ) stated that since I had been approved for the modification before that I would ( MOST LIKELY ) be approved once again, this time with a lower payment as well. Why did Ocwen continue to send statements with a FALSE due date? It seems VERY apparent that they were TRYING to make us fail by sending contradicting information 3 MONTHS STRAIGHT! 
We were so excited to think that we would be moving forward with the opportunity to have our payment lowered appropriately. 
We have begged for OCWEN to PLEASE SEE WHERE THIS IS A MISUNDERSTANDING and ALLOW US TO KEEP OUR HOME! We can fulfill our obligations based on the modification that they have chosen to reject ... .Ocwen seemingly would prefer that our home be left empty No one wants it ... BUT US! WE WANT OUR HOME! We had it listed with an agent until we found out through working with a 3rd party in XXXX that we were going to be approved for the loan modification. In 90 days we showed the house 6 times and each time we were told it was n't worth asking price ( {$260000.00} ), but more like {$190000.00}. 
Furthermore, the dates on Ocwen 's Modification Appeal Review Completed documents do NOT match up with the dates on my signed contract for the loan modification ... .once again ; OCWEN is at fault for this incorrect information. OCWEN needs to realize this is a communication error on their part! ... .Agent # XXXX even stated that this was clearly a misleading - sending a statement requesting an amount of money on a particular date and then refusing the funds based on a DIFFERENT piece of correspondence that was also sent out by OCWEN .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: CITIBANK, N.A.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
At the start of 2021, XXXX started billing me for subscription to XXXX although I did not subscribe. I disputed the charge and asked that they stop billing me and requested that they close my account to stop the charge if needed. XXXX did not ; they charged me late fees instead on the latest bill sent. Thereafter I cut the card in half and returned it to the issuer as I requested that they cancel my account. I sent letters to three of their departments. 
On a recent letter I received in XXXX, I was informed that my account is still open but I will not be able to charge on it. 
Subsequently, my account was closed and maliciously reported to XXXX to give a negative impact to lower my credit score for not having paid the disputed charge of {$38.00} and tacked on additional late fees of {$40.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: TX
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:
XXXX XXXX XXXX XXXX, TX, XXXX payment never late fcra violatons : XXXX XXXX {$12000.00} Closed 1 late payment XXXX XXXX XXXX  {$3000.00} Closed 2 late payments XXXX XXXX {$12000.00} Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving account Balance on XX/XX/XXXX Credit Limit {$12000.00} {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX XXXX were purchased from a XXXX area XXXX XXXX on XXXX/XXXX/XXXX using the 0 % interest offered by Citizens Bank dba Citizens One. These loans were paid off on XXXX/XXXX/XXXX. I have asked for and been promised written loan payoff documentation by several CSRs and their managers between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have never received that payoff documentation but Citizens One again verbally confirmed payoff this morning, XXXX/XXXX/XXXX, of my XXXX XXXX loans on XXXX/XXXX/XXXX. This loan payoff documentation is now critical since Citizens One sent me an email on XXXX/XXXX/XXXX regarding " XXXX Loan Annual Privacy Notice for your Citizens One XXXX loan '', which indicates that some of their records still show l have open loan ( s ) for the XXXX. Since Citizens One never reported the XXXX XXXX loans to any credit bureau, I also have no credit report showing the loans in the correct status of CLOSED CURRENT. On XXXX/XXXX/XXXX I opened a Citizens Bank CEO Case, number XXXX, and was told I would be contacted within two business days. I informed Citizens Bank and Citizens One that if this issue was not resolved to my satisfaction by XXXX CT XXXX/XXXX/XXXX, I would initiate a CFPB complaint. I repeated that warning to both the morning of XXXX/XXXX/XXXX and again at XXXX CT. I was not contacted and no resolution has been attempted. My latest interaction with Citizens Bank was at XXXX CT XXXX/XXXX/XXXX with a CSR that first told me I had to contact their legal department, and then when legal would not accept the call transfer, told me the case was being handled by the CEOs office and would not let me speak with anyone working the case. This financial organization has had almost nine months to provide the requested and promised written loan payoff documentation. 
Due to lighting strikes in this area, I am submitting my complaint to CFPB an hour earlier than planned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My husband and I have joint checking account at Citizens Bank in XXXX, PA. Last week he presented his payroll check to be cashed on Friday and it was denied. Saying that the funds would n't be available until SATURDAY! Never in our lives did we have a payroll check denied on a Friday. I was livid and called the manager. she made and exception and told me that everytime he would bring in a payroll check he would have to ask her to have it cashed on the Friday it was presented. The company he works for is actually only about XXXX from the bank. No history of complaints, it 's just their POLICY! We think this is terribly wrong, never had it happen before anywhere! Please report this and help us find out how in the world a bank can refuse to cash a payroll check when presented? Thanks so much, we are pretty much done with the banking system - XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX I called Citizens Bank to inquire as to why my account was in overdraft and the service rep asked me to hold and kept me waiting for 12 minutes. When they returned I explained to them that I am currently unemployed and as a courtesy would they stop debiting my account of the daily {$7.00} overdraft fee. The customer rep then told me it was my fault, laughed at me and hung up the telephone. I d already made a payment of {$44.00} for a {$20.00} overdraft and the current overdraft total is now over {$50.00}.

Company response to consumer: Closed with explanation