BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was told by the creditors customer service representative that as long as I made the minimum payment due that my XXXX credit card accounts would be brought to a current status and would be in good standing. This was a lie when in fact my credit cards were both in a permanently restricted status. No matter how many payments I make towards the debt I will never be able to use my cards again. 

I have been called many times since I became late on payments due to financial hardship and no one ever informed me of this fact. They waited until after I made a payment to bring my accounts " current '' to post on my online account that my cards are permanently restricted. 

I was blindsided and completely mislead. I thought I was going to bring my accounts into good standing when this was not the case. I refuse to be manipulated and lied to into making payments under false hopes and false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am continuing to have problems in getting a public record removed from my experian file with XXXX XXXX Clerk XXXX. XXXX continues to claim that they are verifying the Judgement through Lexis Nexis even after I received confirmation fro Lexis Nexis on XXXX XXXX that the Judgement was removed.Please find letter attached. I need lexis nexis to contact XXXX and send them an update of the judgement being removed from my lexis nexis risk file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had tried to pay me credit cards off and found alot of deception in what was advertised and executed. Capital One has a department that is suppose to help customers bring their account current but they offer no help whatsoever. XXXX I tried to enrool in the service and XXXX they either cancelled the payments without me knowing or never took the payment causing for my account to get so behind in payment that my credit had XXXX late payments. Once again the department reached out to me because they would not allow this account to be included in a consolidation account and did not give the company a reason why this account could not be included to be paid off and the payments would be monitored. Even when I paif off the account the Account Manager refused to report the account paid.The account manager 's name is XXXX XXXX. I had to give my last payment to XXXX from that department.The specialty assistance department policy is to not charge any over the limit fees and past due fees but once you dont continue with them they will add the over the limit fees and past due charges. They also dont not age the accounts making it seem like the customer did not payoff the account and they will charge it off in a negative way. Now mine you that this is the department that s suppose to bring you up to current payments!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I have an ongoing issue with Ocwen Loan Servicing, they allowed a mortgage to be obtained in my name by forgery, they have agreed that this happened, they have released me from the loan and debt, yet it is still showing on my credit reports as an open account. This is preventing me from obtaining a mortgage for myself

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hunter Warfield , Inc . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX : ( XXXX ) XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you Hunter Warfield XXXX Inc. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Hunter Warfield XXXX Inc. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However, now I am being told I need to have " interior walls- with improvements ''. When I inquire where the " with improvements '' requirement is based on, I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing, calling Ocwen multiple times, faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired, it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy, Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding " interior walls with improvements '' vs. " interior walls excluding improvements ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX XXXX XXXX Hunter Warfield responded to a complain i filed with the CFPB on XXXX XXXX XXXX ( case number XXXX ). The complaint was filed because while checking my credit report i found and account from this company listed on my file from which i had never received any communication from and when i disputed the account with them they sent me a letter requesting more time. Their response states that they did send me verification when the obtained the account but the documentation they sent to " back up '' their claim shows otherwise. The documentation they sent through the CFPB portal is as follows. Rental application, Move out statement, and their verification letter. Now looking at these documents you can see that the apartment complex noted i gave them notice and moved out on XXXX XXXX XXXX and Hunter Warfield claims they sent me a letter on XX/XX/XXXX..But they did not send it to the address i gave the apartment complex they sent it to the apartment from which i had moved out of over month before they claimed to have sent their verification letter had they sent the letter to my correct address which the apartment complex has this matter would have been taken care of. Now to add insult to injury they have not only increased the original balance from {$2600.00} to {$2800.00} they are not KNOWINGLY reporting the original amount as {$2800.00} on my XXXX, XXXX, and XXXX files. In their response to my original complaint they note tht i must contact XXXX XXXX about this account on XXXX XXXX XXXX i mailed a letter to XXXX to settle this account which was delivered on XXXX XXXX XXXX and i have not received any response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: LoanCare, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to work with Loancare and XXXX representative to set up a simple escrow to pay for my property insurance and property taxes. The first request was raised on XX/XX/2021, and to this day, the servicer refused to assist. They are jeopardizing my 800+ credit score and putting my mortgage in a possible default. 

As of today XX/XX/2021, I have emailed XXXX XXXX at XXXX, XXXX XXXX at XXXX, and XXXX XXXX at XXXX. I tried leaving them multiple voice messages on their escrow department, their phone number of ( XXXX ) XXXX ext XXXX does not appear to be functioning. They repeatedly accused me that I did not pick up the phone call, but in fact, I have been given them multiple numbers to call. 

They are refusing to service my loan and attempting to overtake my loan and foreclose my property. Please help!

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 2016-01-27
Company: Ocwen Financial Corporation
State: MT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I completed a deed in lieu with Ocwen Loan Servicing for my house in XXXX County at XXXX XXXX XXXX XXXX. I received a XXXX from Ocwen showing the release of lien effective XXXX/XXXX/XXXX. The credit bureaus all show the loan discharged from my credit report in XXXX. In XXXX XXXX I began receiving foreclosure notices from Ocwen and phone calls from their customer service department. I also spoke with a relationship specialist. None of them could tell me why after 9 months I started receiving foreclosure notices even though I do n't own the property. I did find out in XXXX of XXXX that the paperwork sent to Ocwen 's attorney was not filed with XXXX County because the lawyer is " no longer in business ''. Also, I found that the house was listed with a real estate agent from XXXX XXXX to XXXX XXXX by a realtor hired by Ocwen. I spoke with the realtor and she stated there was an interested buyer in the home but they could not get clear title on the house because Ocwen 's attorney failed to file the paperwork with XXXX County. I also received a letter dated XXXX/XXXX/XXXX stating my deed in lieu was completed XXXX/XXXX/XXXX. That is 4 years before starting the deed in lieu process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have a checking account with Citibank. As I was going through my automatic payments online yesterday on XX/XX/XXXX, I noticed a monthly charge of {$25.00} service fee. I than checked the past account details going back to XX/XX/XXXX ( I did not check older dates ) and noticed that I was penalized by {$25.00} in every month of XXXX for not having sufficient funds. As I called their customer service, I was told that if the balance goes below XXXX, I would be charged {$25.00} as service fee. My argument is, when I use my citibank card outside XXXX, I would receive an alert from Citibank to confirm about that particular payment, however, when my balance goes below XXXX, I would be charged {$25.00} without any notice via text or phone call. I already talked to the branch manager earlier, and downgraded my agreement. The manager agreed on paying me back for only past three months. I have always trusted Citibank until now, yet unfortunately due to this dishonest policy I am extremely disappointed. The Citibank took advantage of my unawareness. They should discontinue such dishonest policy to take advantage of customers or at least they should inform the clients via phone call or text message promptly before they penalize them. 

ps : After talking to the branch manager today XX/XX/XXXX, I tried downloading the transactions beyond XX/XX/XXXX but it did n't allow me to view older transactions. Therefore, I am only able to attach transactions until XX/XX/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 monetary relief
Consumer complaint received 2015-12-27
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a consumer Credit Card called Home Depot Card through Citi Bank. On XXXX this year, I made some purchases on-line for home improvement which was 24 months no interest per Citi bank advertisement. However, due to wrong estimates by Home Depot associates and lack of their stock, I had to return all material which yet to be delivered to me. I was told by Citi and Home Depot that the credit would take few days to appear on my credit card. 
There were some partial refund and an amount of {$480.00} was never refund as of today. I had so many communications but Citi is non-responsive. Sometime, even they response, the response has totally out of context and just to harass me. Failing to get a response from Citi, I wrote to Citi President XXXX XXXX and some other senior leaders. As attached, you can see there were no responses. 
Recently, they change my payment due to from XXXX of each month to XXXX of XXXX so that I can miss a payment and they can say, " oh, you have failed to make the monthly minimum payment on time and hence you are not eligible to get the promotional offer, you will be charged 15 % to 24 % interest rate until the amount I paid in full. I am attaching all correspondences ' here with this complaint. 
I have asked them to close my account but they have failed to do so as of today The fact is, Citi bank is in the habit of malpractice and as I can understand, few millions penalty by your office is not enough as they make billions of dollars by fraudulent means victimizing the consumers like me. Today, I have sent them another deadline asking them to close my account for the second time

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am more than certain that my ex-spouse has used my ss # without my consent. We have been divorced since 2006. I really don not know what type of loan this is, but I have never inquired to this entity.

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 2022-08-04
Company: Experian Information Solutions Inc.
State: HI
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:
Request for investigation letters were sent out to the credit bureaus on XX/XX/2022 via certified mail, to verify accuracy, consistency and completeness of an account. 

Letters were received by all the bureaus no later than XX/XX/2022 per certified mail. I have received responses from XXXX and Experian. I have not received a response from XXXX. 

It has been more than 30 days and as per my latest credit report dated XX/XX/2022, there are still inaccuracies, inconsistencies and incomplete information. 

As per my latest credit report, discrepancies are as followed : -Date last verified -Date of last activity -Date reported -Date opened -Last payment -Term length -Two year payment history. 

Documents attached included : -Request for investigation letters ( 2 forms of ID included with letters ) -Certified mail stubs -Credit report dated XX/XX/2022 ( Discrepancies highlighted ) -Request letter to update personal information ( 2 forms of ID included with letters )

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 2015-05-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
ZALES Jewelry is charging me 28.99 % interest on their card. I owe them {$2200.00} and my monthly payment is {$78.00} monthly..I pay in interest per month a whopping $ XXXX..At this rate I would pay this loan off in 13 years and paid them $ {$6200.00}. This is predatory lending..They are located in a mall a public space and they should be subject to the fair lending laws and people should be warned of their practice XXXX they buy jewelry for their love ones because they are easy to be taken advantage of in the love state of mind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
CitiMortgage Inc. is the mortgage company I have having issues with. 
Issue # 1 We purchased and maintained XXXX insurance through CitiMortgage Inc . This insurance was supposed to pay the mortgage in case the homeowner was XXXX or hospitalized. When my husband, who was a XXXX Veteran, became hospitalized in XXXX the policy was supposed to kick in, so we thought. But when we made a claim on the policy it was never validated. The policy was supposed to pay off the mortgage. It did n't. 
Issue # 2 After my husband XXXX in XXXX XXXX and I wanted to assume the loan. I was not allowed to do so. But I continued to make payment through various programs and other entities that I was told to by CitiMortgage Inc . But I was told that those payments did not go towards the mortgage. I do n't understand why. 
Issue # 3 In XXXX finally I was presented with a loan modification for my mortgage. The first set of loan modification papers were signed in XXXX. In XXXX I was presented with a new set of modification papers with a 'subordinate secured deed ' for {$38000.00}, which was not on the first modification that I signed in XXXX. Why was this not at all mentioned in the first modification.

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 2015-11-23
Company: SYNCHRONY FINANCIAL
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
After receiving several bids for a new furnace, we signed a contract with XXXX in large part because of their promise of a 0 % interest loan for 12 months. When installation was finally completed in XXXX 2015, electronic completion forms were signed in our yard but we have yet to receive electronic or paper copies of the forms. Shortly after, we started getting calls from a bank we had never heard of, Synchrony, saying we were late on our credit card payment. When we finally reached a person, they explained that they were servicing the furnace debt. We had not received anything in the mail from them or had any prior contact. On XXXX XXXX, 2015 we received our first mailing from Synchrony with statements that detailed a {$29.00} activation fee, {$25.00} late fee and {$55.00} in interest ( 9.99 % rate ). We receive 0 % interest offers from credit cards almost daily and never would have agreed to a new credit card with activation fees and 9.99 % interest. Our XXXX representative says there is nothing he can do to rectify the situation.

Company response to consumer: Closed with monetary relief