BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-10
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Rewards

Complaint:
I received an application for another citi AA card with XXXX bonus miles if I purchase {$3000.00} with first 3 months. I have had my primary card for approx short of 2 years and has been in excellent credit history and payment history. I was surprised that they were asking me to apply for a second card, but I figured the extra mileage points were a welcome and they would waive the annual fee for the first year. I applied for the card and I was accepted. I remember reading that I had to purchase {$3000.00} within first 3 months of the the new card to get the rewards. WHY because I could not find any mention of ANY rewards with my new card on line until I called customer service and was told of the terms I have stated above. I also submitted a comment that there was no mention of awards on my new card. Now after months of back and forth with CITI customer service on line with form letter responses, I finally get a real response from a senior complaint specialist stated that " from time to time we send promotion to customers who dont qualify for the promo even if they open a second account, our apologies but sorry '' They are contending that since my first card was less than 24 months open ( 21 months in XXXX ) I was not eligible for rewards but did get a second card which I have charged over XXXX dollars already. 

I stated that they have misled me and I would have never opened a new account if I knew that I would not be eligible for promo mileage bonus. I have been an exceptional customer and a fairly educated man and I can not believe that they can get away with this irresponsibility. This is wrong! Flat out wrong and misleading! 

I hope you can get through to them since I can not. 

I appreciate your help Sincerely 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 2016-09-26
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In 2013 the XXXX of XXXX airport, XXXX, seized my mobile home park and all the houses in it. XXXX relocated the residents under eminent domain. I still owed $ XXXX on my mobile home. XXXX settled that account with the mortgage holder, GreenTree ( now DITECH ). I had nothing to do with that transaction. I continued to make my payments to GreenTree on time during the transition from XXXX address to another. I now learn that DITECH is making " derogatory '' reports at XXXX and XXXX, stating that the account has been settled for less than the agreed upon sum. That sum had nothing to do with me ; this is between GreenTree and XXXX, the entity with who they made the agreement. As a displaced person I had no say and no choice in any part of the payoff process. I want that negative mark removed from my credit reports, or some addendum to eliminate any suggestion that I changed course while under contract with GreenTree/DITECH.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: PAY-O-MATIC
State: WV
Product: Other financial service
Sub-product: Check cashing
Issue: Fraud or scam

Complaint:
Pay-O-Matic cashed XXXX of our checks to a customer without verification. We had stopped payment on the check at the customer 's request. Now, they continually harass me and my company 's management regarding this check.

Company response to consumer: Closed
Consumer complaint received 2017-03-07
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage holder is Caliber Home loans. In 2015 l made mortgage modification. According to my mortgage modification agreement with Caliber Home Loans l have to pay my premium, interest and Home Owners Association fee to Caliber Home loans and they have to pay my HOA fee to XXXX ( my home owners association ), every month. By some reason Caliber do n't pay regularly. As a result of this I have big problem with my HOA. They want to cancel my occupancy agreement. All attempts to get in touch with Caliber Home Loans officials does not have any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX I opened a checking 's account with Capitalone360. I was giving the option to add external account to fund the checking account. I add an account which I transferred XXXX into the Capitalone360 from external account. The bank blocked my account. They said there 's was a block due verification. I was fine with them verify me and asking questions. They verify me and said that everything was fine. But the account still had a block on it. I could n't get through to speak to anyone. So months went by and still heard nothing from Capitalone360. Not a letter stating what going on with account not even XXXX phone call. My money has cleared in that account and has been sitting with this bank on hold for months. I asked to speak with a supervisor multiple times. But I kept getting we put in the system for someone to give you call. I never received a call. I feel that this company does n't care for there customers. I put my money in the hands of this bank thinking I would handled a good manner. The customer service is horrible it take hours to speak to someone. And when they do answer its nothing but attitude. Its very illegal to hold someone funds over 30 days. Without any letter or bank statements. Still on XXXX XXXX, 2016 I still have n't heard anything. My funds are still being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have a bank account through Capital One 360. Capital One 360 decided that they wanted to speak to me about my account. Instead of contacting me through the email address that they have on file they instead froze my account, prohibiting access to my funds. My account is in good standing, there was no reason they should have frozen my account without my permission. I only found out that my account was frozen when I tried to pay my Capital One credit card bill through an ACH transfer. Since my account was frozen my payment bounced and I immediately received interest fees and late payment charges. I do not login to my Capital One 360 account often so I did not see the freeze that was put on my account without my permission. Upon realizing that my payment bounced I called Capital One 360 and they asked me marketing questions, as well as a few questions to verify my identity, even though my account does not have much activity and I have had the account for 12 months. I believe they froze my account to solicit marketing information from me, as they had previously verified my identity when I signed up for the account 12 months prior. I have had to spend significant time trying to get these fees reversed and I believe that freezing my account ( in good standing ) without my permission, just to obtain marketing information about me violates my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I bought product from a kiosk at the XXXX XXXX from a company Called " XXXX ''. They fraudulently did not disclose that all sales are final and tricked me into buying the product with no course of refund. I tried to dispute the transaction with Capital One and they denied my case and told me to work with the merchant. They promise fraudulent protection yet denied me when I needed it the most. If i could have resolved the issue with the merchant I would have. But the fact I couldnt want why Iook the option to dispute the charges

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Sale of account

Complaint:
i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I have a unpaid charge card debt. XXXX is now trying to collect on the default judgment against me from Capital one charge card debt. They found out I am exempt from garnishment because on state and federal aid so they are trying non earnings garnishment on my checking, savings and pay from a customer-employer. the court commissioner ruled my pay earnings as defined in the Wisconsin state statue but XXXX has appealed trying to use a unpublished appetite courts ruling as president for

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Balance transfer

Complaint:
I transferred a balance to a Capital One credit card as part of a 0 % promotional interest rate. I want to stay on top of the promo offer and pay off the loan/balance before it starts to accrue interest. Unlike other issuers, Capital One does not make it easy to find the end date for the promo offer. It is not located on their monthly statements or anywhere on the online account center. I had to start an online chat with a Capital One representative to find out this information and they were very unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I have a collection account on my credit report who was supposed to be included in my bankruptcy. I want to make sure that this is account reflect discharged in bankruptcy with a XXXX balance and be reported to credit agency correctly. do n't want to received anymore calls from this collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: JH Portfolio Debt Equities, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Last XX/XX/2017 I signed up to take two classes at The University XXXX XXXX XXXX. After a month I was offered a new job in a different state and would no longer be able to complete the classes. These classes were also done at 8 week intervals. Meaning the fist class is taking for the first 8 weeks and the second class is taken for the last 8 weeks. As i signed up for the first class the tuition was not due in full until later in the session. When I was no longer able to complete the class, a representative from the university contacted me. As I told her my situation she understood and said I would be responsible for some of the tuition. I verbally told her I could not continue the classes and she said she would take care of it. The university is now expecting the full semester tuition, {$3100.00}. Once i moved, I received a letter for XXXX XXXX XXXX for collection of the debt.

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 2017-03-07
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Shellpoint Mortgage Servicing refused to provide the contact information for the Bureau of Consumer Financial Protection. During a call in which they requested documents to be sent again for a loan modification, I was speaking to a representative named XXXX on the date of XX/XX/2017 and had had enough of their incompetence and requested the contact information of the Government entity that regulates them. XXXX refused to provide the name of the CFPB ( which I had to XXXX ) and the contact phone number. She said the information was on the statement and when I demanded she provide the information she terminated the phone call. Reviewing the mortgage statement from Shellpoint Mortgage did not provide any contact information for the CFPB to launch a complaint as indicated by the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a Home Equity Line of Credit which was extended by XXXX XXXX XXXX. XXXX XXXX XXXX collected my payments in behalf of XXXX. My loan was sold to XXXX Bank XXXX, as Trustee for XXXX Mortgage Loan XXXX ( XXXX Bank XXXX ) and my payments are being collected by Shellpoint Mortgage Servicing in behalf of XXXX Bank XXXX. The servicing was transferred from XXXX to Shellpoint in XXXX 2016. My loan is on automatic draft from my checking account. In XXXX Shellpoint drafted {$3000.00} when the payment should have been approximately {$2700.00}. In XXXX Shellpoint drafted {$2200.00} when it should have been approximately {$2700.00}. In XXXX they drafted {$1000.00} when it should have been approximately {$2700.00}. In XXXX they have scheduled a payment of {$700.00} when it should be approximately {$2700.00}. They are not collecting my payments as set out in my note. I have a great concern that they are going to draft a lump sum of approximately {$6500.00} to correct their error. I spoke with their representative who told me this is a " known problem '' and my loan should be " re-calibrated '' within XXXX to 6 months. 
Based on what they have collected, {$6900.00}, and what they should have collected, {$10000.00}, they will have to collect a lump sum payment of approximately {$3800.00} plus a regular payment of {$2700.00} which would result in drafting approximately {$6500.00} which will created a serious hardship for me. If this continues as it is now, the lump sum will be much higher. 
I am certainly not the only customer of Shellpoint that is going to have this problem. They should be sanctioned and fined for their unacceptable business practices and should not be allowed to draft more than what the correct payment should be going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: ZENCO COLLECTION, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up with a promotion code for a checking account at CitiGold. Called mutliple times to make sure the promotion code was accepted and to make sure I reached the minimum qualifications. After not receiving the miles 120 days after the posting date ( it said to expect them by 90 days ) I called to address the issue. 4 weeks and 2 calls later they sent a letter saying it was invalid because the promo code was not addressed to me. However, they never stated that until the minimum requirements were met, I had called at least 6 times, and it was time for them to reward me with the miles. Their customer service was very slow and only about half the people I talked to seemed to understand the dilemma. Had I known it had to be actually sent to me this would be a non-issue but not one person mentioned that.

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: Capital Management Services, LP
State: SC
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX, account specialist, called once, asked to verify last XXXX of SSN. Admitted it was not mine and then said would research and get back. Then had his manager call -- still could not verify SSN. Yet looked up other matching cities and addresses to assert loan was mine and wanted me to admit it, repeatedly. I have never taken a loan from XXXX student loans, the creditor in question. He said he would put me in touch with XXXX student loans to confirm that I was not the borrower, put me on hold and then I hung up.

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