BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2020, I sent a USPS certified letter ( tracking # XXXX ) to Credence Resource Management LLC to provide verification and proof of debt. I copied and pasted below the same letter I sent to them, but I crossed out my personal information for today 's complaint. On XX/XX/2020, I only received an XXXX XXXX XXXX bill and a letter stating, " Our office is in receipt of your request to verify the above referenced account. Enclosed is the account summary response to your request. If you have any questions or require any additional information, please do not hesitate to contact our office at the number listed above-Sincerely, Credence Resource Management LLC '' I did not receive any information that I requested for verification, primarily if they are legally licensed in my state since their office is located in Texas. 

Copied & pasted letter below XXXX XXXX Name : XXXX Creditor Account No : XXXXXXXXXXX Credence Reference ID : XXXXXXXXX This letter is sent in response to a collections phone call I received on XX/XX/2020 at XXXX pm from Credence Resource Management LLC. I am requesting that you provide verification of this debt within two business days of receiving this letter to my home address, XXXX in order to speed the process and stay within the 30 days. 
Please send the following information : 1. The name and address of the original creditor, the account number, and the amount owed.

2. Verification that there is a valid basis for claiming I am required to pay the current amount owed.

3. Contract with proof of my signature. 
4. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent.

5. Please also note whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXXXXXXXXXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Finance of America Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I initiated a request for refinance, with the assistance of my son, from Finance of America via XXXX XXXX, with XXXX XXXX as Loan Officer. Over a number of weeks, I complied with every document and information request, giving access to the whole of my financial identity, as well as payments to XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX as I was instructed. Those payments, {$750.00} and {$200.00}, respectively, were confirmed as received by XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX. Awaiting appraisal of my property at the end of XXXX, we expressed concern about my rate lock. XXXX reassured us, stating that she had spoken with XXXX and he said FOA would abide by the originally stated rate of 2.99 %. The appraisal was completed on XX/XX/XXXX with my copy received XX/XX/XXXX, and all requested requirements to move to close were met. Six weeks later no further information or updates provided, except for duplicates of the same appraisal report, so I expressed my anger and concern, and requested the status update from the 3 FOA employees involved ( listed above under initial filing ) on XX/XX/XXXX. No response. After numerous phone calls to XXXX XXXX she advised my son on XX/XX/XXXX that she just required my updated paystubs and we would move to close in XXXX. I submitted the next day and nothing. 
XX/XX/XXXX, XXXX months after initiating this refinance, I sent another email as a precursor to initiating more formal and legal action. This time XXXX XXXX responded that he was reassigning my file to XXXX XXXX. However, it is now apparent that this was a deceptive and fraudulent exercise on his part as he obviously had no intention of abiding by the original terms and was perpetuating the illusion that this was just a further extension of the initial processing. He continued, along with XXXX XXXX, to solicit duplicated documents and another credit check in spite of my stated concerns. Part of the process to update I was told. After 2 more months of paperwork and signatures, XXXX XXXX who was anxious to discuss on the phone before committing in writing finally unveiled his offers to accommodate the failure of his processing which essentially exceed my current rate by .5 % to 1.25 % with other nonconsequential gestures listed. How arrogant to put his self-interest based nonsense before me after all my wasted time and opportunity. No effort to address my costs and losses due to Finance of America employees.

My current mortgage is at 4.375 %, my credit score in the very good to excellent range, and my home appraisal over double the amount owed on it. This refinance was never due to need, could have been transacted with any other lender, and was initiated to take advantage of optimal rates which were still available well after my paperwork was completed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have disputed this information several times in the past because the bill had been paid. It keeps showing up on my credit report. Once I dispute the information it stays off for a year or so then it reappears with a different date. This causing me a lot of problems. It not only wrong but it is hurting my chances of obtaining a home. It is XXXX different companies that are doing the same thing. I have contacted the companies and with the same results nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX sent me a notice months ago that they are going to discontinue my XXXX XXXX credit card that I have through XXXX. The notice said that I would be getting a Citi Visa credit card as a replacement for the XXXX XXXX card. I then contacted XXXX and told XXXX that I did n't want there Citi Visa card. They told me to contact Citi when the Citi Visa card was delivered to me. I was told by XXXX that I could n't decline the Citi Visa card that I did n't want in the first place. The card recently came in the mail. I called XXXX, Citi Visa, and XXXX XXXX. I was told by XXXX that I could contact XXXX XXXX, cancel my XXXX XXXX XXXX card now ( before XXXX/XXXX/2016 ) and that the Citi Visa card would never be activated, and that I would not lose and accumulated XXXX XXXX rewards. When I called XXXX XXXX they said that I would in fact lose all accumulated reward points unless I waited until XXXX/XXXX/2016 and allowed the Citi Visa card to be activated. I do not believe that I should be forced to open a Citi Visa account that I never asked for, that I have tried every way possible to decline, and be subject to forfeiting accumulated XXXX XXXX rewards.

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 2016-05-10
Company: Direct Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a call from Direct Recovery Services. They asked for my social security number and would not tell me what the debt was they were calling about. I do not give this information over the phone. I called back 3 times and without my social security number being verified. I am awaiting verification from them in my e-mail. They were unaware of the original claim and the particulars of what it was for. From my best information, it seems to be a debt about mental counseling, which never happened. I was living at a homeless shelter at the time of their supposed inquiry. I was under XXXX County Health District and never received XXXX XXXX XXXX so this is a totally bogus attempt to rip off the government. Cease and desist would be in order and anyone trying to defraud the government should be rigorously prosecuted. Thank you.

Company response to consumer: Closed
Consumer complaint received 2016-10-11
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I requested a replacement card with Continental Finance ( Matrix Card ) in XXXX 2016, and updated my address. I never received the card in question and due to being unable to login to my account ( it is linked to the card directly, and locks if you 've requested a new card ). I called to make payments and request the card AGAIN, and was sometimes met with a " it is late ''. So I would make my account " current '' and request the card again, leading me to believe that I was paying and would not owe until the next month. Fast forward through months of this rinse repeat cycle to today, ( sometimes they waive the late fee, other times not ), and I find out that making my account current does not include the current amount due. While it is beyond me as to why " making my account current '' would n't include the current months payment. After being transferred, the supervisor proceeds to advise me that to send my card, I must make a payment that includes the next payment ( meaning the next due ) and that is how I would receive my card. So I pay ahead, in fact I just paid above and beyond the amount due in order to secure my card. The turmoil and headache of their login system coupled with the inability of the employees to resolve an issue to fruition causes their clients undue stress and financial burden. The FACT that it took over 3 months to attempt to resolve an issue that their client had already given all the necessary information and tools to resolve is insanity. This particular instance is not a closed case as of yet, due to the card not being received. If it is not received, after making the account paid to a true current balance, the cycle will continue, Continental Finance will continue to charge fees they should n't. I would consider this fraudulent activity on behalf of the creditor as several actions were taken and the consumer did everything in their power to resolve the issue, while the creditor continuously misled the consumer in order to accrue fees.

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 2015-09-04
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I received a call today from XXXX. The gentlemen I spoketo stated they wanted to do a settlement over the phone I said no I need it in writing. He took this as a refusal and stated that they will be filing a suit and the IRS will XXXX me. I also told him the attempt to collect a debt is past the statute of limitations he did not seem to care and continued to harass me about the settlement of the debt. I was then told that something on paper could be mailed to me once the settlement had been approved and agreed to. I was also told nothing else could be mailed out because letters were already sent to my address. Which were not.. After getting off the phone I received XXXX more calls and a voicemail from the same company mind you I had returned the first phone call. As I called a second time to let them know this was already discussed a women told me I blantently lied stating she shows I talked to someone on XXXX XXXX and its not possible I talked to someone today as that person was out because of the birth of a child. Of course I was angry. Upon looking these folks up I have come to the decision practices like this need to be stopped and the FDCPA enforced. I will take further action against said company as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: DISCOVER BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm writing in regards to our experience with Discover Bank, my mother I and our friend have opened account with Discover Bank each separately, mom was first, about 3 weeks ago the XXXX of us this past week, mom has transferred XXXX to her savings with them when she opened an account and they took that on the XX/XX/2017 then she opened checking we did the same because you have to have savings account to be able to open checking account. They sent mom the checks and the welcome kit then yesterday without any notice they closed all of the accounts i called to ask them they said that i needed to send them copies of my passport, drivers licence and social security i did that 13 times yesterday and they said that the documents are not acceptable that they do not appear clear enough. Today when i called and i asked them to close everything they told me they did because I 'm a ''fraud '' and we all have opened a '' fraudulent account ''. This was absolutely inexcusable, they have degraded us and called us thieves, mean while taking money from our other bank account, i never felt such humiliation, since we came to the states we have never asked anything of anyone we never were in any kind of debt we never owed anything to anyone, for them to call us ''frauds '' is unacceptable. I told them that i will write to consumers report but that 's just not enough they do n't have the right to dirty our integrity nor our name yes i understand that they have never met people like us who work for what they have and never ask for anything. They have not yet returned the money but have closed all of our accounts i also told them that none of us ever had any identity issues we have always been very protective of our privacy none of us ever used any social media to publicize our lives nor did we ever send all of our most important documents to anyone in the way we did to them as they have requested so in the future if anything at all comes up in regards to identity theft they as a corporation will be solely held accountable as we do not take this lightly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX, 2016, I used a Citibank Best Buy credit card. The Best Buy first purchase offer was 10 % in reward points for the purchase. I only received 5 % in rewards points. I was told that the item I tried to purchase was n't available for purchase in the store. It was only available online. However, when I tried to buy it online ( {$990.00} ) my {$1000.00} credit limit was insufficient due to sales tax. I was denied the {$49.00} credit limit increase. I was also not advised that I could simply apply {$49.00} in gift cards - then use the credit card. I was speaking with XXXX with Best Buy today and he referred me to a supervisor, XXXX who gave no date on resolution -Case ID # 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 2022-05-17
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Upon receipt of the Escrow Shortage notice we paid the amount of {$530.00} and that payment was sent to Mr. Cooper. Special note- the notice DID NOT have a mailing address listed on the notice so we called to get the mailing address nor did the notice indicate the borrower could make a payment to clear up the shortage. This is poor communication from Mr. Cooper. 

We made the normal payment of {$670.00} for the XX/XX/XXXX payment. 

About XX/XX/2022 we phoned Mr. Cooper to ensure that they had received the escrow shortage and that it was properly placed into the escrow bucket. Upon discussion, we noted that we sent the normal payment of {$670.00}. Nothing from the agent on the phone was mentioned as to a payment increase. Also we were told that the payment would not change. 

We now have a billing statement showing the receipt of the both the escrow shortage and XX/XX/XXXX payment. However, the amount due is more than the normal payment of {$670.00}. We phoned Mr. Cooper again on XX/XX/2022 to inquire about he increase of the monthly payment. We were told the increase was due to insurance and taxes. The increase is {$32.00} per month or {$380.00} per year and there is a reduction of taxes due to age for this property. We were told by Mr. Cooper could not send a new Escrow Payment Notice so we could see why there is an increase in the escrow. 

We asked that our call be escalated to a supervisor because we want to see the calculations used by Mr. Cooper for any increase. We spoke with agent XXXX # XXXX We are sending the normal payment of {$670.00} for the XX/XX/XXXX payment and will need the updated Escrow statement to analyze why Mr. Cooper feels the new payment should be more than {$670.00}. 

This borrower is on a fixed income and needs to ensure any increases are legitimate. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CITIBANK, N.A.
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our home in XX/XX/XXXX at the peak of the real estate market in our area. As first time home buyers we were excited but uneducated on the varying types of loans. We qualified and received a 10 year A.R.M. loan. We have diligently made the payment every month on time till XX/XX/XXXX when our rate adjusted and our payment increased {$660.00}. We were aware of and anticipated the rate adjustment but the actual increase was far more than expected or sustainable with our budget. Over the years, we have reached out to several different mortgage brokers for direction. However the outcome was always the same and no one would refinance our loan for the followings reasons ; 1 ) we are self employed 2 ) the loan is not a XXXX or XXXX and 3 ) negative equity. Time and time again the advice was " just deal with the payment when it adjusts '' or " sell the house prior to the adjustment ''. 
XX/XX/XXXX we decided to the best option for our circumstances was a loan modification through our lender Citi Mortgage Inc. We contacted Citi and requested a loan modification. We were assigned a 'dedicated Single Point of Contact ' representative to assist with the process. Paper work was requested. Paperwork was returned. More paperwork was requested and returned. Again more paperwork requested and returned. Its been 5 months and we are still waiting for a decision - " it is still in underwriting ''. 
The egregious processing delay has caused extreme frustration and caused further financial hardship, hardly the help and hope they ( Citi ) advertise.

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 2022-05-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I disputed an account on my credit report that was not validated or accurate and this company didn't properly investigate the account or send proper validation. The company have failed to notate the account was in dispute. This is causing defamation of my character. This is causing stress in my life I can't get a job or apply for any loans due to this crisis you have hurt the ability for me to obtain credit. I'm sending this complaint on my own behave so treat it as such.

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 2015-09-19
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Stellar Recovery, Inc.
State: FL
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:
I have never opened a XXXX Account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: Continental Finance Company, LLC
State: CT
Product: Credit card
Issue: Other

Complaint:
I attempted to order a new card with Continental Finance, the card I have is damaged, there is a crack on the bar code and will not scan correctly due to it. I have to use the card online, it will not work in any terminal. The rep I spoke with stated my account needs to be current, which it is, it is not past due. She would not order a new card. I am not due until the XXXX, the account is current, not past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation