BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-21
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently purchased a home with the intention of enjoying my retirement with my husband. Before I closed my husband passed away leaving me grieving for his loss and with half of my monthly income. I struggled to pay this mortgage for as long as I could before falling behind. The struggle has been difficult on me, I reached out to my bank in an effort to see if they would offer me any type of mortgage assistance. It was long before I found myself in foreclosure and denied for at least 3 modification requests. I finally decided to give up and sell my home- thats when I discovered that my mortgage is also upside down and had to request help with a short sale. I enlisted the help of a realtor and listed my home, I live in XXXX California and at times it takes homes a long time to sell. My bank reviewed XXXX offer on my home and countered the buyer XXXX on their offer- the buyer increased their offer XXXX but the bank denied it saying that I have a sale date approaching and that they would rather foreclose. All I want to do is avoid foreclosure and I feel like Caliber couldve of worked with us a little better and been less aggressive given my circumstances. the offer that was presented wouldve almost payed them in full and I couldve avoided having a foreclosure on my record that will follow me for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit reporting act XXXX # XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a current file case. XXXX. We have additional information to add. We have been in the process of trying to get a loan modification for the second time to no avail we have also experiences charges from the information that I have copied. 
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction, claiming it was the only way to pay, or that consumers had to use the service to avoid a late fee. 

Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint, in many instances, Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments, receiving collection calls, and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification, even for programs that prohibited the company from requiring up-front payments. In addition, Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers, miss other loss mitigation options, and face foreclosures they could have avoided. 

Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: Ditech Financial LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech bought the servicing on my loan in XX/XX/XXXX. Since then they have refused to report my payment history to the XXXX credit bureaus. Ditech wanted a re-affirmation agreement for the mortgage. I have provided this twice by fax and once by mail. When I call to find out if they have the document and are ready to report to credit bureaus, I get hung up on, or they ca n't find the document, etc. etc.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC accepted a CLOSED account from XXXX back in XXXX. Midland Funding is marked on my credit account as an open credit account. Midland Funding is noting as an open account placing on my credit report monthly. I have asked for verification monthly since XX/XX/XXXX. It still registered as a dispute on my credit report. 

Midland Funding never respond to numerous request to verify the debt and actual breakdown what is due. XXXX was the creditor with a 300 initial limit. I was unaware of a XXXX Card opening XXXX. I 'm unaware of the actual charges from XXXX. Midland Funding never responded to proving the charges on the XXXX Card. 

Midland Funding still posts as a monthly open account on a closed account. Refuses to comply with the Federal Credit Reporting Act. 

This damaging my goals of advancement. Both XXXX and Midland Funding is documenting in my history XXXX in XXXX. Midland Funding also in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for the credit care card and got denied because i am XXXX and have no credit but am also looking to build credit. They suggested i reapply with a joint applicant so i applied wth my mom and again i was denied? I called to figure out why and the lady was rude took forever and did n't want to transfer me to someone who knew what they were doing.

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 2017-02-10
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to complain that I have a basic checking account with Citibank for the past 5 years and they have been offering this thank you points program which my account is not even eligible for. I even have a thank you points account. I was told by the thank you points online chat that I would need to speak a customer service agent on the bank account side. I proceeded to do so and was told by the customer service agent that my account isnt eligible for thank you points since its basic checking. My question is why would you have a consumer who has been a good customer be set up with thank you points account and not give them points nor explain to the customer that they are not eligible yet they have an account for thank you points set up? If you look at the last page of the uploaded documents it says I have XXXX rewards and happily shows me that I have nothing? This does n't make sense?

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 2016-12-22
Company: Santander Consumer USA Holdings Inc.
State: DE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Problem making initial payment - Received an auto loan from Santander Consumer XXXX XXXX. Got loan on XX/XX/XXXX and the first payment is not till XXXX. Having just finished with a bankruptcy plan I wanted to get payments started around XX/XX/XXXX. I called and they would not back up first payment date from XX/XX/XXXX and then I wanted to make a payment early and none of their automatic payment features allowed me to make a partial first payment ( except mailing a snail mail check ). Which I did and I have now already seen how consumer unfriendly this Santander finanical institution is and how high the fees will be to make a same/next day payment. So then I logged onto my XXXX XXXX checking account o start an auto debit through the bill pay and XXXX did not have them as a an available bill pay vendor and said they would have to send a paper check to Santander. Really? This is a big banking corporation - previously XXXX or another. The all seem to be in cahoots as they want you to pay a HUGE fee to pay a simple interest loan - in which every day adds on more interest. Really come on - this is not proper ; how are folks supposed to get on the right financial path when BIG banks continue to take advantage with huge payment fees. How is making a payment so expensive and not immediate debit/processing when paying your loan early or before a due date. I have mailed a check today XXXX and lets see how long it takes to post to my account.. I am very upset with Santander and XXXX ( since unable to autodraw from checking account ) while they have automated electronic check payments with EVERYONE. Account number XXXX Santander, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: Santander Consumer USA Holdings Inc.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 exactly how many days in billing cycle from XX/XX/2017 -XX/XX/2017 how much interest for each cycle how do you calculate interest? answer clearly so i can understand please 18.95 % x principal x days? use my principal amount to explain is this a subprime loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I had this Costco XXXX card for more than a decade. Nice wonderful card. Last year the card was converted to Citi Visa card. They messed up from day one. Messed my first and last name. I have to do follow up and get it fixed. Now it 's the annual reward statement during month of XX/XX/2017. I did n't received it - every time they will just send the statement but not this reward certificate. I have to follow up multiple times and asked them if they can directly credit my credit card but not ready for that also. It 's total waste of time and efforts. Is Costco/Citi paying me interest of 25 % on this money because of this delay?

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: Lacy Katzen LLP
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I filed for bankruptcy in XX/XX/XXXX because of legal debts my son incurred that I signed legal responsibility for. The attorney filed a summary judgment against my son for the debt. However I signed all contracts for responsibility of the payment. We received a judgment after notification of bankruptcy on XX/XX/XXXX. The attorneys fees were included in the bankruptcy filing. I contacted the collection agency and was told they are my sons bills. This is difficult to comprehend because the attorneys fees were again included in the bankruptcy. I need help with this collection agency trying to collect from XXXX parties when I signed all documents. I have a letter from the attorney dated XX/XX/XXXX that the bills are my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Duncan Solutions, lnc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: CURO Intermediate Holdings
State: SC
Product: Payday loan
Issue: Can't contact lender

Complaint:
I obtained my credit report on XXXX/XXXX/2017 and noticed that I had a collection on my account from SpeedyCash. I called the company on XXXX/XXXX/2017 and advised that I did not have a loan from them and not sure how they got my information. I then proceeded to ask them to send me documentation with my signature showing I authorized this account. I was then sent a letter dated XXXX/XXXX/2017 stating that I failed to respond to a letter they sent previously and now the debt has been validated. I was never sent in letters stating that I allegedly had this debt and they failed to send documents with my signatures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: DYNAMIC RECOVERY SERVICES, INC.
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:
I was contacted by Dynamic Recover Solutions ( XXXX, SC ) about a debt from 2001 that I supposedly still had n't paid. I do n't have a debt outstanding from that time, plus it 's been XXXX years. They rattled off ALL of my personal information, including my SSN, address, current loans, phone number, etc. this is VERY scary. 

I told the person that I wanted to dispute the collection and they said I could " settle '' the collection for {$150.00}. The call ended and I decided to do some digging online about this company. Come to find out, they routinely contact people with fake outstanding balances, most of which stem from XXXX years ago. They press and press and press to get vital personal information turned over to them. 

When I arrived home, my wife had informed me that she had received a call from them too. XXXX minutes after my call. This is an obvious phishing scam, and I believe these people need to be stopped and prosecuted for fraud. It 's insane to me that there pages and pages of complaints and XXXX submissions, yet they are still calling people.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-21
Company: DYNAMIC RECOVERY SERVICES, INC.
State: AZ
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 was told that I have this XXXX XXXX debt that I did not obtain. I filed a fraud claim with XXXX XXXX back in 2014 and was told that they do not have any substantial information to say it was mine. I do n't understand why I am still getting harassed to pay a debt that I have already filed a fraud claim for and was told they did not have a signature or anything on file. So I need for the XXXX major credit bureaus to permanently take this off my account and I need these debt collectors to understand that this was fraud and my personal information was used. They are selling each other debts that is useless and fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-02
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX XXXX I purchased and XXXX Chevy impala from XXXX XXXX and my loan was purchased by Santander Consumer USA at XXXX a month which was paid every month on time until the loan was refinanced by XXXX XXXX XXXX XXXX On XXXX XXXX. On XXXX XXXX XXXX XXXX contacted Santander for the pay out of the car and they were told that it was XXXX this company accepted the check and the title was turned over to XXXX federal credit union on XXXX XXXX with the balance paid in full. So Santander only had this car loan for about 2 and a half months before it was refinanced. Now remind you that this car was paid out in XXXX XXXX in XXXX XXXX Santander started reporting to the credit bureaus as if they had the car and stating that I did not make my car payment. sating that the account was a charge off in the amount of XXXX and still reporting. I will be attaching you the proof of this pay out for the vehicle that was excepted by Santander Consumer USA. Please ask this company to furnish proof of accurate information pertaining to this loan. They report false information and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Billing statement

Complaint:
Recently I paid off my credit card balance with CitiCards and logged into their website to download a copy for my bookkeeper because the usual statement was n't digitally sent to my bookkeeper via the online connection. CitiCards did not produce a statement for the period even though there was a starting balance and 2 payments made. I used their online chat to get a download and the representative ( XXXX, chat team XXXX ) claimed that they will not provide a digital statement and thus would not have mailed one to me. Since I had chosen to have only e-statements they would never have mailed it.This is a violation of the FCRA

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 2016-11-08
Company: RWLS Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX is owned by Windowrock. XXXX was assigned my mortgage in XXXX XXXX. XXXX is requiring that I pay {$400.00} per month in escrow and refuses to cancel my escrow account or even talk with me. My escrow per year is XXXX. My escrow account has {$3000.00} in it. I want a refund of my escrow account and to stop paying escrow. my account number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This company continues to cause XXXX on my life by stating that I owe a debt to them from XXXX, I have paid this debt and have asked them to remove this from my credit profile and yet they refuse, I 've also requested that they stop all communication with me both verbal and mail and I 've continued to receive automated phone calls and letters after the fact, I 've sent my recorded phone calls and letters to my lawyer and if they refuse to fix this issue I WILL BE FILING A CLASS ACTION LAWSUIT AGAINST PORTFOLIO RECOVERY ASSOCIATES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: United Collection Service, Inc (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in receipt of my credit report dated in XX/XX/2017. Since obtaining my credit profile I came across this account that does not belong to me. I sent UNITED COLLECTION SERVICE INC. certified letters and have not received a response from them regarding inaccurate marks on my credit report. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been working on a loan modification with Ocwen financial for over a year now each time they tell me my file is complete for processing but when we are to finalize any type of agreement there is ALWAYS an issue " missing '' documentation " expired '' signatures which I realize are STALL tactics on Ocwens part~ The latest excuse is that a letter from my boss WITH my tax returns AND a XXXX are NOT sufficient proof regarding a stipend my employer pays me each month~ our Mortgage was held by GMAC up until a few years ago where our mortgage payment jumped up close to {$450.00} a month with NO explaination as to how this new number was calculated AND there are " insurance '' premiums tacked on to my mortgage that I NEVER SIGNED FOR OR REQUESTED! And as of last week my husband is unemployed and no longer has proof of income ( which Ocwen always rejected his pay stubs from his employer anyway Its ALWAYS an excuse with Ocwen. I recently started researching into this company and have come to find that they stall on most modifications and are happy to pay the fines involved as they fare much better financially by screwing strapped homeowners around and paying the fines than running their business ethically! There have been XXXX ( im number XXXX ) NJ consumer complaints against Ocwen in the last year ( XXXX XXXX to XXXX XXXX XXXX. My credit which has been pristine is now totally destroyed and I am in grave fear of losing my home.

Company response to consumer: Closed with explanation