BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-26
Company: Selene Finance LP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am selling my home to the current occupant of the house.The buyer has been going through the process of securing a loan through the V.A. 
XX/XX/XXXX, I was put on long-term XXXX due to XXXX. I needed to move to XXXX to be near my family, and moved in XX/XX/XXXX. I tried repeatedly to contact XXXX to discuss my account. XXXX intentionally avoided communicating with me. In XX/XX/XXXX, XXXX had put my house up for auction in a foreclosure. I found out about the sale date from the occupant questioning one of the many people driving by and photographing the property. With the help of the XXXX Attorney General 's office, XXXX contacted me and began a modification process. I made my third " trial payment ' on XXXX XXXX. On XXXX XXXX, the mortgage was sold to Seline Finance, a mortgage collection agency. Seline put me on " trial payments '' again for another four months. In XX/XX/XXXX, the buyer of my home began signing papers for the V.A. loan. I was given a projected closing date by the XX/XX/XXXX. That estimate has been delayed ever since, but the process continues - however slowly.The estimated closing date is still not determined. 
A week later, I received paperwork to sign the " modified '' mortgage with Seline. The mortgage interest rate is the same 6 % it was for years with XXXX. 
Seline now tells me that if I do n't sign their mortgage by week 's end, I will go back into foreclosure. Seline sent me a payoff statement, where I finally saw an accounting of my mortgage for the first time in 2 years. The principle is approximately {$48000.00}. Added to that is {$6000.00} in back-escrow, and another {$6100.00} in " interest ''. I must assume that " interest '' is charges accrued during my long stretch of no communication with XXXX. 
Question 1 : What can be done about Seline 's deadline for signing a mortgage by XXXX/XXXX/XXXX, while I wait for a sale date? 
Question 2 : When XXXX sold my mortgage to Seline, did I lose my ability to contest {$6100.00} in " interest '' that I 'm now being told to finance with a new loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed on my credit report that it states an address that I never lived, nor ever heard of. The address is : 1 XXXX XXXX, XXXX XXXX XX/XX/2020 I have sent several letters to XXXX, Transunion, and XXXX upon me noticing this fraudulent address and they have ignored my request and never removed the address. I also sent them my identity and a utility bill to let them know my correct address. I am afraid I may become a victim of identity theft with this address on my file.

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 2017-01-09
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-09
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:
We deposited a escrow refund check into our Citizens checking account. It pended for two days, before the funds were released. Two days later, they withdrew the check without warning claiming it was invalid. Not only did Citizens charge our account a fee for the returned check, but Citizens also charged us overdrafts fees. After calling Citizens ' customer service, the were " kind '' enough to credit the return check fee and XXXX of the XXXX overdraft fees. We lost over {$250.00} in fees that were clearly not our fault. We made several attempts to recover the fees, but Citizens will not cooperate. Their customer service department said they were being " generous '' by crediting the little amount they did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Capital One credit card was paid off on XX/XX/2021. When I checked my balance, after it was paid, it showed a {$0.00}, balance with {$0.00}, due. 

Today I received an email stating that I owed {$23.00}. When I called Capital One, I was ultimately told that they would not remove the balance because it was " interest. '' When I asked why my balance went from {$0.00}, to {$23.00}, when I had made no charges on the card, they said it was " daily interest '' and it would NOT be removed. 

When a statement is sent out to a customer, and paid in full, it's unfair and not right that additional interest is charged. I know it's only {$23.00}, and it's not the money, it's the principle of the matter. I took my time to call in, and was treated very unfairly. I've been a Capital One customer for a number of years and DO NOT appreciate the way I was treated on the telephone. I want the charges reversed for this alleged " interest. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfers
Sub-product: International money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
I contacted Western Union to verify that money sent in the past five years was indeed received because I noticed that a recent transfer was not received and Western Union did not provide transparency. Upon my repeated calls, Western Union committed to provide such history the next day then within 20 days. They failed to deliver on this commitment and deny me of my consumer rights to verify if any of the transfers are left dormant. I no longer trust Western Union to address this issue since they claim they address my request even though I keep telling them I have never received any information. Please note that Western Union has sent unrelated emails during this period so they have the right information in their records. I conclude that they are not willing to respect my consumer rights and are retaining my information unfairly. I also find it unfair that a consumer has no transparency on past transactions either online, email or telephone. This lack of transparency and opaque systems also raise serious concerns with WU 's ability to effectively meet their Anti-Money Laundering, OFAC and BSA obligations. 

Please refer to the following WU case number # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
About 3 years ago I finished college and entered a payment play with navient. When I called them, I specified my future goals were to use the XXXX forgiveness plan and the public service 10 year forgiveness plan. I was advice to enter a 30 year consolidateed plan. Last week I called navient to see my progress to that goal and make sure I had the write paperwork to turn proving my past three years of publoc service. I was told over the phone that my payment plan was not eligible for forgiveness, I needed to enrolled in the income driven repayment plan. I had made 36/120 faith full payments ( $ XXXX ) wasted to be told I had to start all over gain. The difference between the XXXX plans? Barely {$500.00} dollars in their favor. I have talked to many different public school teachers who got the same advice I did. It is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I opened new accounts at Chase bank on XXXX/XXXX/2015 and the next day, I closed my account with XXXX XXXX XXXX and made cash deposits of {$6000.00} ( {$3000.00} into my Chase Checking Account and {$3000.00} into my Chase Liquid Account ). 

At a point between XXXX of XXXX/XXXX/2015 and XXXX of XXXX/XXXX/2015, there was a break in at my home and valuables were taken. This matter was reported to the XXXX XXXX on XXXX/XXXX/2015 with report number XXXX. 

I was n't sure if I lost my wallet which had my chase bank cards while I was out, or if it was taken during the break in. 

On the morning of XXXX/XXXX/2015 I could n't find my wallet. I checked my account online and saw that there were unauthorized transactions on both my checking and Liquid Accounts. Then, I went into a branch, same branch where I opened the Accounts, by my house. 

My transaction summary was printed for me at the branch and the Manager of the branch called the back Office on my behalf, and a claim was filled, on XXXX/XXXX/2015 and I was told to wait 1 to 2 business days, for my account to receive provisional credits in the amounts been disputed. 

Today is monday, the 3rd business day. I have n't received any provisional credit from Chase bank, as it is a bank that deceives customers. 

Chase has clamored that the reason for the delay is because it 's a new account. But let 's not forget I knew it 's a new account too, when I closed my account at a strong bank and deposited large amounts into a " new account ''. Nobody knows my pin, the Merchant would not talk to me. I was told to talk to my bank. So what am I expected to do? 

I urge chase bank to honor the words of its members of staff, and issue me provisional credit for all disputed transactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25
Company: Penn Credit Corporation
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender, J P Morgan Chase, has coerced and intimidated me, through the threat of impending foreclosure, to agree to a modified replacement of my existing mortgage with them; which is highly predatory and inherently illegal, since the monthly payment exceeds the amount we discussed during the "trial" process, and since the payment exceeds my total gross income, a situation of which they were, and are, completely aware. They have refused to do anything which would make my mortgage affordable, or to concede that this modification was handled improperly. It is called "Streamlined HAMP", wherein the "A" in HAMP stands for "Affordable", which it undeniably is not. In addition, they are defrauding the XXXX and taxpayers by collecting compensation, as both servicer and investor, for setting up and administering a mortgage, which clearly violates the intent of the XXXX program, if not the actual letter of regulations. Since the mortgage amount exceeds my total income, it is absolutely impossible for me to satisfy it, and I will unavoidably be in foreclosure in a matter of just a few months, and will then be both homeless and destitute, at age XXXX and in failing health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Midwest Recovery Systems
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
One Main Financial called my work and talked to one of the employees and said that their name was XXXX and needed an updated phone number for me the employee explained that she could n't give information out on employees and XXXX left her name and phone number so I could contact her. I contacted XXXX and she says I owe on a loan that I paid off in 2014 of XXXX online she said that was n't the pay off amount said I owed more than that. I told her I got a payoff qoete and paid it online and and sure that it was took care of! She continued to tell me I owe more money and asked if I was will to work something out because she already has papers to take it to court to file a law suit I explained that she needed to do what she had to do because I paid the loan in full! Then she proceeded to get angry so I hung up the phone. Yesterday they have called my phone on several acassions. I called them back and asked why would they call so many times when when I have already talked to someone and they have already said they have papers to take me to court? She got angry and said she 's only trying to do her job and hang up!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CITIBANK, N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I came across promotional banner on Citibank website for opening a checking account and a {$400.00} bonus with a qualifying deposit. I decided to apply online using promo code XXXX provided at the start of the application process. Few days later, I reached out to Citibank customer service through online chat. The online agent confirmed my account was opened under the promotional code XXXX. He also confirmed the qualifying terms to receive the {$400.00} bonus : deposit a total of {$1500.00} within 30-calendar days and maintained the {$15000.00} minimum balance for 30-calendar days. Based on the promotional terms, I have met the required {$15000.00} balance within 16-days and have maintained at least {$15000.00} for 58-consecutive days. The {$400.00} bonus should have been deposited to my account by XX/XX/2017. I reached out to Citibank on XX/XX/2017, inquiring about the bonus. The online chat agent verified that I have met all qualifications for the {$400.00} bonus. But then she told me I failed to enroll in the promotion offer. I told her that she was mistaken as the promotional term states we simply need to open a checking account to participate in the offer. the only disqualifying criteria is for an existing Citibank account holders. She was not able to show me the verbiage in the offer, or proof to support her argument. At the end, she submitted my case and Citibank would respond within 5-7 days. Citibank has not gotten back to me and despite it their 90-days promise, I have yet to receive the bonus. This is the first financial service company I have ever had issues with, and I have been very lenient with the timeline. I 've completed their requirements, and I wanted them to honor their promise. Do what they 've promised ... .and do what they should 've done 44-days ago which is to deposit {$400.00} to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Kriya Capital, LLC
State: NY
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:
on XXXX/XXXX/2016 I pulled up mu XXXX Credit report and found a collection debt under XXXX ; Original Creditor ; XXXX XXXX XXXX {$520.00} ; I ask them to verify the debt and they just deleted from the Credit without notify me. Them in XX/XX/2016 I found that the same debt is now been placed on my XXXX Credit Report under a diferrent Colection agency, Credence ; I also asked to verify the debt and the just mail to me settlement offer letter. I 'm attaching all the documentation to proof my request.

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 2016-04-15
Company: Advance America, Cash Advance Centers, Inc.
State: CO
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
Advance America XXXX, Colorado continues to charge my account the wrong amount bi-weekly. I have not authorized the amount. I have called them multiple times regarding this and they choose to avoid it and continues to try and withdraw the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation