BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-26
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had an approved trial plan with XXXX. Our loan was transferred to PHH. PHH refused to honor our loan modification. We made all trial payments on time. I am attaching a fradulent statement sent to us by PHH. They bhave since refused our payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PHH Mortgage Services Corporation
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a complaint against PHH Mortgage for holding money in escrow that was deemed to be used for repair of hail damage to our residence that occurred on XXXX XXXX, 2016. PHH Mortgage is currently holding over {$12000.00} that was sent to us from our insurance company since XXXX 2016 and even though we have contacted them on numerous occasions they still will not release the funds. There excuse is that they needed documentation in order to reconcile the amount that has been paid by the insurance company with the amount that that was estimated by our general contractor. Documentation from both the general contractor and insurance company has been sent to them on more than one occasion and they are still " dragging their feet ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Professional Debt Mediation, Inc.
State: SC
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:
There is a collection that I have disputed several times and I do not owe them a penny. I love right now in XXXX XXXX apartments. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CREDIT ACCEPTANCE CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.

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 2016-08-09
Company: Lazega & Johanson LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Green Square Company LLC.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
we keep getting calls saying we owe a loan that we didnt even take out and that this company was going to take us to court and seek other damages and they call at all times of the day and nite and i told them just try and see what happens they have tried this in months past and we have caller ID so we dont answer the call and they quit for awhile and now it has started back and it comes from a XXXX #

Company response to consumer: Closed
Consumer complaint received 2017-01-06
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan servicer, Nelnet, keeps upping my interest rate. My loan was at 6.8 % as disbursed in XXXX and I 've earned lowered interest rate by 3 % through on-time payments and signing up for auto-pay over the years. After putting loan payments on a temporary hold for a year while volunteering abroad in XXXX, I returned to my usual auto-payments and my loan has been messed up ever since. In XXXX XXXX and XXXX XXXX, Nelnet has upped my interest rate percentage to 5.8 % without notifying me, removing my incentives. This is a bad practice ( they cited a " system error '' ) that should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased my home on XXXX 2007. My purchase price was {$650000.00}. As it is widely known, prices were still inflated at this time Since then the property values in my city dropped XXXX %. The home values have recovered but it is unknown how much longer it will take for my home to reach the original purchase price. I have been able to decrease my balance and my current loan to value. 
Considering the current market value of my home of {$610000.00}, my current LTV is XXXX %. I contacted my lender to remove the mortgage insurance premium of {$350.00}, but they are denying my request even though I am well below the requirement of 78 % loan to value because my home is below the original purchase price of {$650000.00}. This is not fair for me or any consumer in my situation. 
If I have to wait for my home to reach the original purchase price it could take another 5-7 years. It is unfair that the mortgage insurance company and lender will not remove my mortgage insurance premium even though I have met the loan to value guidelines and lending guidelines. This puts me, as a consumer, at a huge disadvantage because they give me no option except to refinance to remove the mortgage insurance. However, refinancing will cost me anywhere from $ XXXX- {$7000.00} with closing costs. Once again this gives the advantage to the lender because I have to spend thousands of dollars to remove the PMI. 
Also, if I can not cancel the mortgage insurance, the mortgage insurance company will collect {$25000.00} in premiums over the next 72 months, which is approximately the time it will take for my home to reach the value of {$650000.00}, that is only if there are no other market corrections. I am asking the CFPB to help me get the PMI removed from my mortgage payment. 
The handcuffs that the lender has put on me and my family is an unjust situation. My family and I are being forced to spend thousands of dollars when we have worked very hard to lower the balance to remove the PMI.

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 2016-10-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Citi/Best Buy Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to try to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get on his feet with a business, to look into getting solar panels to help on our electric bill, and help pay on my credit cards because I been helping my son and daughter out. This company has pulled funds with the following information and date : XX/XX/2016 XXXX XXXX {$3000.00} Please reverse these charges as I do not except these charges. Please Help Me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: CITIBANK, N.A.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My 10 year interest only loan had expired in XX/XX/XXXX. In XX/XX/XXXX, I applied for a loan modification with Citibank. I have all the email requests for multiple requests for the same information, many times. Each time it is submitted to the underwriter, it comes back with a new request, plus a repeat request. It is now XX/XX/XXXX and my modification has yet to be approved or denied. In XX/XX/XXXX, I requested a new person to work my account, received assurances that I would get a weekly update ( email ), never happened. With the new person, he has had 7 months of requests and re-requests with no foreseeable end to this process. In the mean time, my credit is being destroyed. I want Citi to know what is taking place in the business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I applied and was awarded a Sears Citi Credit card in XXXX 2013. They approved and awarded me a credit limit of {$6000.00}. I have paid consistently without incident. Now they have dropped my limit to {$4800.00} which has impacted my credit score because I owe {$3800.00}. So instead of being {$820.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Sears increase the limit back to {$6000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
Exxon/Mobil Consumer Credit Card ( Citibank ) provided electronic billing services to us reliably for an extended period of time as I have been a card holder since 1998 for over 18 years. At some point they decided to stop ebills and began sending emails. These emails were going into our junk mail box and when unseen by us for payment. Our balance was very small. For 90 days there was no calls or letters to notify us of the late payments until we received a XXXX package. In shock we immediately paid the full balance and called customer service to apoligize and learned that my credit was impacted with a severe 90 day late pay. We appealed with no results and my credit is now devastated through no fault of my own. I could accept a 30 day late but can not accept this outcome.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-23
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i have a XXXX mortgage on my property that was transferred to greentree servicing on XX/XX/2013 and i subsequently have paid the XXXX $ speedpay payment ever since.They recently paid me back XXXX $ for the last 3 months.My question is under their recent settlement with the CFPB are they going to refund all those speedpay payments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
SPS bought my loan from XXXX a couple of years ago. This year, they began trying to raise my mortgage payment up to more than {$200.00} a month. When I asked for an explanation I got different answers from different reps. The first told me that XXXX County had contacted them and told them I had n't paid enough in taxes in 2015. I viewed my tax bill online and called the county tax assessor. Not true. I paid in full and early. The next rep told me that SPS had underescrowed and the {$200.00} more a month was to address the deficit. At the time, there was about {$1900.00} in my escrow account. NC allows lenders two months of escrowed amounts. My escrowed items are {$580.00} a month, so they already had more than required. But, it was either {$200.00} more a month or I needed to pay a lump sum of more than {$2000.00}. Other letters followed these conversations. One reached way back to when my loan originated with XXXX bank and gave me a balance that was about {$75000.00} more than I owed. Another letter said the extra escrow amounts would be spread over two years at about {$40.00} a month more. Another letter said they only needed to increase my payments by around {$30.00} a month. Today, I was told that SPS discovered I had overpaid and they issued me a check in XX/XX/XXXX. I never got one. Today, I was also told that there was a deficit of only {$41.00} in total. Throughout this I have continued to make my same payment of {$1500.00}. My account shows that my monthly payment is {$1600.00}. But, there is no balance carrying forward and no late penalty assessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Hi, I have received a approval on my short sale, after a year, there was a question on a line item on the Hud, on XX/XX/2017 i emailed the response and explained why the number was on the hud, the second lien holder did not no the loan was haffa approved, so knowing that they are asking for XXXX, I have a date given by SPS of XX/XX/XXXX to close, i was told 5to 7 days to get a answer, it is now XX/XX/XXXX, that was my first complaint, which brings me to this complaint, when i called on XX/XX/XXXX t, and spoke to XXXX he told me because I have sent a complaint to CFBP, that they have to answer that complaint it priority and they have 15 days to do so, i asked what happen to the 5 to 7 days after i sent the answer about the hud, that has been under review for 10 day already? he just kept repeating that the CFPB comes first and that is there priority to answer them, and the review dept i guess stops working, while the Ombusman Dept. answers the complaint. I was also told that in XXXX the {$12000.00} that could of been offered was cut in 1/2???? 
all I want to do is close on the property and all i need is confirmation, that they will pay the {$12000.00} to the 2nd lien holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Duplicate Navient student loan reporting on my XXXX credit report. One is reporting open with a balance and the other is reporting with a XXXX balance with the same account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
Again CitiCard has charged a late fee to my account for a payment being late by 24 hours or less. They did this once before and i submitted a complaint, and was issued a refund. The fee was generated regarding a due date for payment of XXXX XXXX. I paid what was due on the XXXX. On the XXXX the late fee was issued. I had a " chat '' with a representative of citicard but they said they could not reverse the charge, because they had done this once for me already within a 12 month period. I explained that when they charged me before, it was unfair and predatory as well. They would not reverse the charge. My previous case with citicards which i filed with cfpb has a case number i believe is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: CITIBANK, N.A.
State: DC
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
Citi 's online form for transferring funds to my bank account consistently reports that the system is unavailable. Calls to Citi customer service result in requests for a transfer request via fax, which are consistently rejected due to " incomplete information '' but the agents are unable to say what information was lacking.

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 2016-11-16
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: Kriya Capital, LLC
State: NY
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:
I note that there was a collection on my credit report which I do not recognize. Here is the info of this collection agency : CREDENCE RESOURCE MANAGEMENT # XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I filed complaint # XXXX and have not heard anything from you or the original creditor. Now it has been turned over to a collection agency and I want to file an additional complaint for the same debt against American Medical Collection Agency for continuing to try and collect a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced a mortgage with Loan Depot and the monthly payments were {$1300.00} however, I was notified that I had an escrow shortage and that my payment would go up to {$1400.00} but, would remain at the original {$1300.00} if the escrow shortage was paid. On XXXX XXXX, 2016, I submitted a payment of {$1000.00} to fulfill the escrow shortage. However, Loan Depot is still asking for the {$1400.00} even though I have called their office on two different occasions and was told that the {$1000.00} would be applied to the shortage and that my payment would remain at {$1300.00}. They have returned my XXXX XXXX payment stating that I owe {$1400.00}.

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