BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: Diversified Consultants, Inc.
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter from Diversified Consultants claiming that they are trying to collect a XXXX debt from a XXXX account. I never had XXXX so I know this could not be me. 

I received the letter on XXXX/XXXX/2016 and instantly sent out a debt verification letter, in response they just sent back a letter with a photocopied bill. The bill showed just the name XXXX XXXX and nothing else. There was no signed contract or pedigree information. There are several XXXX XXXX that live in my area and I know that this is not my account. At the bottom of the letter they responded back with it said " this is not an attempt to collect a debt ' I recently got a notification from the credit bureaus that Diversified Consultants has reported negative information to the credit bureaus on me. This is not right and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I recently applied for a debt consolidation loan to pay off XXXX creditcard debts with Capital One, but I was told that the XXXX creditcard debts had been discharged. Capital One continues to send mebills every month and I send them checks for those cards. 
If the debts were discharged, the bank is allowed a tax deductionfor uncollectible bad debt, but they are collecting payments every month. How could the debt be UNCOLLECTIBLE? Each monththe statement shows a REMAINING balance. If the bank wrotethis debt off, where are my payments being credited too? 
Is the bank entitled to a tax gain, as per the write off, while stillcollecting payments? If not where are payments going?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Caliber Home Loans, Inc.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Caliber Home Loans , Inc., has given me a difficult time about paying my local fire district taxes even though a portion of my mortgage payment is collected by them to pay those taxes. I 've had to spend considerable time to get these taxes paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The taxes are due on XXXX XXXX. In XXXX XXXX, I received a phone call from Caliber informing me that they would pay my taxes. Today, XX/XX/XXXX, I received a letter from the fire district indicating that the taxes have not been paid and that the account would soon be going to a collection agency. Caliber has been collecting money from me under false pretenses and is going to ruin my credit. This company needs to be held accountable for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Balance transfer

Complaint:
In XX/XX/XXXX, I did a balance transfer from another credit card to my Capital One credit card with a 0 % APR. Between XXXX and XX/XX/XXXX, I paid a total of {$2000.00} to my Capital One card, assuming that I was paying off that balance transfer, whose rate would expire in XX/XX/XXXX. To my dismay, after paying several large amounts, I was surprised to look at my statement and see that Capital One was not applying my additional payment to the balance transfer amount but to my outstanding ( purchase ) balance. When I spoke to customer service at Capital One, they told me that " Capital One applies your minimum payment amount to pay off lower-rate balances before paying off higher-rate balances. We apply any amount in excess of your minimum payment to higher Annual Percentage Rate balances before lower-rate balances. '' In other words, if you have a balance on your credit card, it will be difficult even impossible to pay off the balance transfer amount and the consumer will end up incurring interest on that balance transfer even though Capital One is supposedly giving you a 0.0 % APR " deal ''. That is not made clear unless you read the fine, fine print. I have contacted Capital One and asked that they reallocate my payments.I have not heard a response from them yet, outside of saying that they received my message, after almost a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Caliber Home Loans, Inc.
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This will be the seventh complaint submitted to CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter " CFPB '' ) starting from XXXX XXXX, 2016 until today XXXX XXXX, 2016 against CALIBER HOME LOANS , INC . This complaint will be another addendum to the prior XXXX prior complaints submitted against CALIBER HOME LOANS, INC., which are Case Numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 
XXXX ( hereinafter " XXXX '' ) my true and lawful Attorney-in-Fact contacted CALIBER HOME LOANS, INC., on Friday, XXXX XXXX, 2016 and someone named XXXX, SINGLE POINT OF CONTACT AGENT, TELLER ID. NO. XXXX answered the phone. Like the other XXXX prior case numbers as listed above, XXXX kept XXXX hostage, by delaying, prohibiting, and stonewalling XXXX from speaking to a SUPERVISOR or HER SUPERVISOR, until SHE finally connected XXXX to XXXX, SUPERVISOR, TELLER ID. NO. XXXX relating to CALIBER CONDUIT ACCOUNT NUMBER XXXX almost XXXX minutes later. This abusive and intentional draconian practices needs to cease and desist IMMEDIATELY now and in the near future anytime XXXX contacts CALIBER HOME LOANS , INC .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Can you help me or tell me who I can contact for help? My husband andI are 3 months behind in our mortgage payments to OCWEN. Wecontacted them for a loan modification. Yesterday we received a trialperiod modification that expires in 8 days. We were told what our newpayments would be, which are only {$40.00} less than our current paymentsare but they did not give us any other information about the terms of themodification. We were supposed to approve these new terms blindly in8 days ( by XXXX XXXX ) without any idea of what the new terms would be. 
Are they supposed to give us the written terms with the trial paymentletter? Because they did n't. 
My husband called OCWEN yesterday evening and asked about theterms of the modification. OCWEN said that we would have the sameinterest rate but they were going to add another 13 years to our loan tomake it a 40 year loan. The new payment would be {$1300.00}. For a {$40.00} reduction in monthly payment, we would have to pay an extra 13years of mortgage payments at {$1300.00} per month, or {$15000.00} peryear, totaling {$200000.00} in extra payments to reduce our mortgagepayment {$40.00} per month! Our outstanding loan is only {$140000.00}. 
Is this legal? Can they really consider that to be assistance? They'renot helping us, they are helping themselves. I think they want toforeclose on our house because we have equity. They are telling usthis is our only option. When we asked about the XXXX insettlement funds, we got the run around. We were told that we weren'tflagged for that money and that money was used for people who hadalready been foreclosed upon. I told her that was untrue, that only aportion of that went to people who were foreclosed already and that therest was earmarked for current customers underwater and/or havingdifficulties. She continued to give me the run around and was n't beinghelpful at all. When I finally asked for a supervisor, she put me on holdfor so long that I finally hung up. She never called back. I 'm sure sheleft me on hold to intentionally avoid discussing the settlement fundswith me. 
Is there anybody who can help us? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
To increase the information available to me and the CFPB in investigating these matters, I kindly request that Scottrade provide me with all of the Exhibits referenced in Scottrade 's XXXX XXXX, 2013 letter. The Exhibits within the letter significantly advance my allegations mentioned above and the fact that Scottrade failed to provide them shows that Scottrade is actively hiding this information from regulators.

Company response to consumer: Closed
Consumer complaint received 2015-12-12
Company: Ray Klein, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Approximately late XXXX I was contacted by a company stating I was overpaid on my XXXX disbursement a few years prior. Not knowing whether this was a legitimate debt I responded back wanting an explanation. I was not contacted back. 
In XXXX XXXX I was sent a letter from Professional Credit Services stating I owed a debt of {$1000.00}. I responded back to them asking what this debt was concerning. They responded back and said I would need to contact Oregon XXXX as they were not sure. 
I explained to them that if they were the XXXX collecting they needed to provide me with the information as it was not my debt. 
I did not hear from them again until mid XXXX stating that I still owed {$1000.00}. 
I consulted an Attorney friend and explained what was going on. As I was not paying for his sevices he just gave me some direction. 
on XXXX I wrote the Following. 

To : Professional Credit Services I am requesting ALL documentation regarding this matter of {$1000.00} owed. 

Please mail all documents to my address, and allow me time for me an an Attorney could look them over to see what action should be taken. 

One week later they responded with a letter stating I would have to contact Oregon XXXX. 

On XXXX I wrote them back telling them being they had not provided me with any documentation, or any proof of this debt I was not taking any responsibility for this debt. I explained to them I had not had anything to do with Pers in over 10 years. 

On XXXX I received another letter stating I still owe {$1000.00} and to contact them. I immediately wrote them back stating I do not feel I am responsible for this Debt and I feel they are harassing me and if the debt is correct why has it taken over 10+ years and there may be statutes of limitations. I explained to them to either leave me alone or take me to court to settle this dispute. 

Today XXXX I received a response letter stating they want, my attorney name, phone and address. As I have not retained an attorney and do n't feel I should have to at my expense. 

Could you please advise me as to the direction I should take as I am fed up dealing with matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, 2016, I sent {$500.00} from my online checking account at Capital One 360 through their new XXXX system on XXXX This was the first time I had made such a transaction. I was asked to put in the email address of the person I was sending it to, but I did not have access to the drop down menu where the correct address had been stored in the previous process. I erroneously put in the wrong email address. ( Anyone could make a single digit mistake in the same way if sending to a mobile phone number. ) Admittedly, this was my mistake ; however, there was a complete lack of security, of checking, of layers through which the request had to go to ensure its secure transmission to the recipient. 

My {$500.00} XXXXpayment, powered by XXXX, went unhindered into an account owned by someone unknown at XXXX XXXX XXXX. Because that person had already checked into the Capital One 360 service at least once, all future amounts were automatically transferred into that account. When a Capital One 360 customer service person checked into the issue, he found that the cash was no longer available or accessible at the XXXX XXXX XXXX account. There was nothing he could do. XXXX XXXX XXXX wo n't even discuss the issue because we do n't know the account number of that person with the email address I used. 

I can not believe that I could lose {$500.00} because of a clerical error. I can not believe that Capital One 360 is that insecure. I can not believe that Capital One 360 did so little to retrieve my money. I can not see any benefit to keeping any money in this bank. I can not believe that I as a customer am treated with so little regard for the safety of the transmission of my money from my account to another 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Apelles, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company placed item on my credit that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CitiBank offered a credit card when we were booking our vacation. The offer was that we would receive free bags on our XXXX XXXX ( XXXX ) flights. XXXX did not honor this claim, and we had to pay {$200.00} extra for our bags on XXXX trip. There were XXXX mysterious charges from XXXX which CitiBank nor XXXX could explain, but we expected to pay them or suffer interest and late fee charges. We made XXXX phone calls to CitiBank and XXXX calls to XXXX. We filed a dispute with CitiBank. On each subsequent call the dispute was never documented, no confirmation numbers were provided. Late fees and interest charges continued to be charged to us by CitiBank. Finally I spent XXXX minutes on the phone ; and my wife spent another long conversation to attempt to solve the constant double talk and misinformation. No supervisor would would come to the phone. We believe this is an unfair, deceptive and abusive practice which CitiBank perpetrates on consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was faithfully paying my mortgage payment from the time, Ditech Financial took over and transfer our notes from XXXX. No missed payment nor late payments as a proof, I can send all evidences of all my mortgage payments in the future. We kept on sending our mortgage checks to Ditect before the XXXX of every month as stipulated from our Deed of Trust, unbeknownst after researching from our bank account 's that our last mortgage check was only cashed since XXXX? We continued to send mortgage payments from XXXX and XXXX and Ditech never cash out anymore those mortgage payment checks we sent to them? I am a XXXX and my work schedules were so hectic besides taking care with my little children. Therefore, I communicated with them through mail immediately. I was asking why Ditech does n't want to cash our XXXX and XXXX mortgage payments checks and they want my homestead to proceed on for foreclosing in which me and my husband will not allowed for any reason. Therefore, we requested Ditech to process our Loan for the Federal Home Affordable Modification Program that is still available until XXXX and until now Ditech is not yet responding from our request until this moment. XXXX had done their abusive collection tactics by their agents in posting notes of threats in front of doors of our home. I am requesting for your good office to investigate the unlawful conduct of on their repeatedly harassing and abusive collections on our property that our members of our family were threatened while we were out of work. They always come inappropriate hours. They always come even after I have communicated Ditech by mail. They repeatedly doing their illegal debt collection practices. I appreciate so much for your cause of helping us under your provision on protecting homeowners as well consumers from Mortgage Companies based on your discretion under Consumer Financial Protection Bureau on Debt Collection Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Someone obtained my debit card info and submitted XXXX charges to my account on XXXX/XXXX/2017. XXXX charge was {$53.00}, the other was {$43.00}, totaling {$97.00}. Both charges were through XXXX, XXXX. shown on my bank account with the phone number : XXXX. The call on XXXX/XXXX/2017 was answered in XXXX. ( They told me they also had XXXX other office in XXXX, CO. ) They told me to email their fraud department at XXXXXXXXXXXX. I received a reply in a few hours. However, they advised me that they could only block my card number and could not reimburse me because they already transferred the funds to a third party. I am having my bank, Citizens Bank, try and recoup charges through their fraud department. I think it is unfair that XXXX can not have records to indicate who the third party is, in the event they have to go after this third party. There should be a law to prevent this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: Byrider Franchising, LLC
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, the monthly mortgage payments increased tremendously, making it impossible for me to stay current with the loan. The bank started a legal action to foreclosed on my home that same year, XX/XX/XXXX, but the case was discontinue. However, in XX/XX/XXXX, the bank started a new foreclosure action against me. I have been trying to resolve this issue because I have the best intentions to stay in my home and pay my mortgage. However, the bank is not allowing me to modify my loan. I tried to applied for a loan modification but I was denied on XXXX XXXX, XXXX and I was denied as well on XXXX XXXX, XXXX. I am a good candidate for a loan modification but it seems that the bank 's interest is not help homeowners whose best intentions are to pay their debt. The bank 's interest seems to be foreclosing on homes. There has to be something wrong with that. It does not make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Green Tree ServicingI several times had to go online and schedule a payment only to call back and ask to cancel that transaction They refused to cancel saying they could not cancel and would send it through and cause me to be overdrawn in my acct and pay overdraft fees for a few months. They also were very rude stating that Greentree has helped me, I was upset, and she told me " dont play this XXXX on me '' ... I have never encountered anyone so rude

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Caliber Mortgage constantly mismanages my loan. I received an increase in my monthly mortgage amount with no prior notice. I received a letter in the mail today telling me that my insurance ran out and since I have not secured proper insurance they have secured insurance on my behalf and are charging it to me. I purchased a townhouse where the insurance is covered by the HOA payment. I am current with my HOA payments and therefore have proper coverage for my townhome. Caliber seems to have a difficult time managing anything about this loan. During the lending process they were supposed to collect enough within the escrow to pay both HOA accounts on this property. Upon closing and because they kept changing the closing documents due to mathematical errors, they took out the escrow for the XXXX HOA 's and only took out enough for the taxes. They did not notify me of this and I found out two months after the HOA 's were not paid as they were supposed to be. I also found out that instead of paying at closing both HOA 's Caliber only paid XXXX until I threw a fit at their mismanagement of the account at which time they paid the missing HOA dues. The insurance situation is just another where Caliber obviously can not manage an account properly and I want my loan sold to another mortgage company that can manage it properly. 

I expect and demand that Caliber Mortgage refund the increase in monthly payment and all charges they assessed to me based on their false accounting of lack of insurance. They had all documents proving that the HOA covered the insurance in a more than sufficient manner to the point that at closing I did not have to show them my own policy for personal possessions. Because the closing did not require this coverage and the HOA continues to cover me ; this mistake needs to be reversed and cleared up completely. Caliber just needs to sell my loan and get me XXXX away from them!

Company response to consumer: Closed with explanation