BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-23
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: Late fee

Complaint:
This all started when we over paid on our home depot credit card bill. I sent in a check for the minimum amount while my boyfriend paid it in full online. This resulted in a credit of roughly {$35.00}. 
I then purchased a miter saw and blade for my boyfriend for XXXX. This was roughly {$170.00} and resulted in a credit card bill of {$140.00}. We were sent the bill and were made aware of the payment due date. 
However, my boyfriend then chose to return the miter saw and blade before the due date. Which means, logically, that we 're back to having a roughly {$35.00} credit on our credit card. 
On the same day, we made a {$28.00} purchase on the card. Believing that because this purchase was made after the closing date for XXXX, and believing our account was now at - {$35.00} ( credit ), we did not have a payment due. 
We just received our XXXX bill and it is showing a {$25.00} late fee that the company is refusing to refund and they also refuse to put our account in " Good Standing '' and are threatening collections when the bill is n't even 2 weeks past due. 
We fully understand that we may be misunderstanding how this all works, however, because of this confusing situation we believe that they should 've done us the courtesy of removing the {$25.00} fee and allowed us to float until XXXX on such a small amount ( {$28.00} ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21
Company: Todd, Bremer & Lawson, Inc.
State: MN
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:
Debt collection agency is adding a additional 25 % in fees to balance owed to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Hello, I 'm having issues with Best Buy Credit Card. The problems started when I charged something to the Best Buy Credit Card with authorization. It was suppose to have been services using the XXXX for some computer work 2 years ago. When I picked up the computer I discovered that none of the work had been done and the company gave me back a complete refund. However, a complete refund was n't processed. The only thing that was charged was through the geeksquad and software that the geeksquad was suppose to install and active, which it never was. Best Buy never removed those charges. Even since then, I 've been battling Best Buy with Fake charges to fees and stuff that I do n't know. I 've finally asked Best Buy to provide me with a complete accounting of all the fees, charges and everything. They are charging me thins such as " late fees '' for claiming that my payment is late, when I pay it at the beginning of the month. Iv'e always paid the card at the beginning of the month and htye 've changed the date from the standard date of the month to a rotational every 28 days ... which means that the date moves. My bank has record on when it paid because its swet to go out the XXXX week of the month as I 'm on XXXX and that 's when my income comes in. I 've called the company they claim they have n't changed, which is non sense. Not only have they changed the pay due date and charging me late fees wthout notficiaiton, they changed the type of charge card from a master card to a visa and I was never given the notficiaton. I 've also had some identity theft issues that I 've been dealing with and these were removed. So basically they are having me pay " late fees '' on something that I 'm not charging only to collect a fee. They claim that the payment is due on the XXXX or something like that and I paid it the XXXX week of the month, two weeks early, so then tjey claim that well y payment must have been fro the previous month because of their " late fee '' wrong, Its for the month. I even went and paid them several times two payments in the same month ( bank records ) and thet still go and charge me claiinng that its late. ( I paid around the XXXX and then the XXXX ) well, if the payment due date is XX/XX/XXXX an I paid on XX/XX/XXXX and they have a 28 day billing cycle then the payment is wthin the correct day closgin, correct? I 've requested the aduit they 've refused. I 've requested to speak with a supervisor regarding this they refuse. At this time I believe that Best Buy owes me for fees that they 've illegally charged because I have n't been using the card at all!!! in case the representative said the ONLY FEES that was on the card were the LATE FEES ... .well if I did n't have a balance and I paid it off athen why am I being charged late fees????? I need help and XXXXbest buy is refusing to assist.

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 2016-09-13
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am a victim of predatory lending. I had an appraisal performed on my home and found that I fall within the XXXX LTV range which qualifies me to get my mortgage insurance ( MI ) dropped. If I refinance I will get the MI dropped but that will cost me about XXXX in closing cost. 
When I call my servicer Pennymac to conduct an appraisal they tell me LTV must be at 75 % for them to consider removing my MI because of FHA guidelines even though I no longer have a FHA loan. Pennymac had me call FHA and FHA told me I no longer have an FHA loan. Of course I called back and they said it somewhere in my disclosure that they have to look for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Arbitration

Complaint:
In XXXX I was forced into XXXX XXXX I was XXXX XXXX XXXX, XXXX I was hit with a bill from SS that they had overpaid me {$6600.00} I had 30 days to contest, now on payments. At the same time I was fighting to pay off my {$11000.00} medical co-pays & out of network expenses. By XXXX XXXX I was unable to keep up I defaulted on several unsecured accounts all but XXXX has now been resolved. I had called the account holders for relief, only XXXX agreed to help. Citibank refused any discussion or relief, told me basically pay up or else. I am now facing a judgement with Citibank as the plaintiff. I offered a settlement but they flatly refused. Telling me they would see me in court. I have nothing no assets, saving, uninsurable, unemployable & I 'm living on my SS.

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 2016-01-11
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing because : My Lender Caliber Home Loans did not acknowledge my request. 
" In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA you are required to acknowledge my request within 20 business days. '' They DID NOT and HAVE NOT acknowledge my request to date, which is long past the required period required by the Act. 
Attached are copies of proof of they received my request on XXXX XXXX, 2015 at XXXX What action they should take : Though the required acknowledge period have pasted, " In accordance with Section 6 of the .... ( RESPA ), under Section 6 of RESPA they must acknowledge my request. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: CURO Intermediate Holdings
State: WA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I asked for a letter correspondence so I can use a debt management company, still calling me for payment, and calling family members

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CAVALRY INVESTMENTS, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
THE LOAN CALCULATIONS DO NOT ADD UP AMOUNT FINANCED {$180000.00} FINANCE CHARGE {$130000.00} TOTAL PAYMENTS {$320000.00} ANNUAL PERCENTAGE RATE 4.389 % TOTAL INTEREST PERCENTAGE 59.192 % IM WRITING ON XXXX/XXXX/2016 IM SUPPOSED TO CLOSE ON XXXX/XXXX/2016 PLEASE HELP ME THANKS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-19
Company: Dean Morris, L.L.P.
State: LA
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Lawyers at this law firm ( XXXX ) sent me a letter stating they were hired by this bank ( XXXX ) to prosecute legal proceedings to enforce the security interest, collect a debt on my mortgage. and filed affidavits in court declaring they were hired to collect a debt for this bank and filed an foreclosure in the banks name. This bank never had a loan on my property because it was paid out before the banks merged. About two years after contacting the bank the filed a affidavit stating the bank did not hire nor pay this firm to file the foreclosure. Once I contacted the bank the firm tried to get it dismissed and erased from record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan
Issue: Can't contact lender

Complaint:
i keep getting phone calls everyday from speedy cash they have already called XXXX times so far this month it started in XXXX of 2015 XXXX calls were made too us XX/XX/XXXX XXXX calls were maded too us XX/XX/XXXX XXXX calls were made too us the number is XXXX their saying their speedy cash

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX. 

Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused. 

Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: Merchants Credit Corporation
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have receive repeated calls from Merchants Credit ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX // ( XXXX ) XXXX ) most recently a XXXX XXXX stating that I owe money for an unpaid medical bill. After being repeatedly asked to provide personal identification information which I declined to provide because I felt that providing this information presented an identity security risk, I provided my current address several times and I have yet to receive a copy of the unpaid bill and Merchants Credit has falsely reported this information to the credit bureaus negatively damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company continues to report this debt by passing it around to shadow companies they own. West Asset Management owns XXXX credit collections and they have resubmitted a collection to my account they removed from my credit profile. They did not send any notice or an explanation as required by law .... This is the same as this complaint with this agency. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card
Issue: Advertising and marketing

Complaint:
After spending over an hour on the phone with the Customer Care Center and requesting a complaint number and contact information I was hung up on. I contacted this company because they seem to be violating Consumer Protections by false advertising, providing false information, and unknowingly charging customers with finance charges and late fees without ever having sent a statement or bill. They also have no system in place to file or follow up on complaints. I also requested this card be canceled as I have reported the unlawful practices regarding Comenity Bank and this card. I requested a thorough accounting of the issue and resolution in writing immediately, but did not receive it. I was told at the XXXX store that the rewards card was discontinued and that I had to sign up for their new MasterCard due to it having chip security features. I received a new credit card and the old XXXX was shredded. However, charges were made to both cards and a statement was never received from the new MasterCard. I only found out about this account due to 8-10 harassing phone calls per day from a restricted number that would not leave a message. Upon answering after dozens of calls I discovered a bill collector on an account that I had never received a statement from. I was unable to get resolution from them in any way. I had to set up on all new online account to access said statement and saw that there are XXXX identical sites for XXXX different credit cards and companies. It is a deceitful practice meant to confuse consumers and charge them with unlawful charges while having no accountability, complaint system, or way to resolve the issue. 

This company is deceiving consumers by stating that the XXXX card is no longer valid and a XXXX MasterCard must be applied for instead. This company should not be able to have identical websites, statements, and other information that the consumer can not tell apart. This company should not be allowed to harass consumers and turn them over to collections without providing statements and within 90 days of opening said account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-30
Company: VW Credit
State: RI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The insurance group of several leasing / loan auto companies, ( XXXX XXXX XXXX XXXX Washington I believe ), keep sending me faxes that have nothing to do with me and have the personal information of other people. The most recent one was sent at XXXX. I have called them to stop it but there is no one to talk to. I have left 5 messages. I am starting to believe that some low level employee is doing it on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have online bill pay through Union Bank. In XXXX, I had XXXX bills to be taken out on XXXX XXXX, totaling {$220.00}. Because of the holiday on XXXX XXXX, they paid these XXXX bills on XXXX/XXXX/2015, overdrawing my account and then charging me {$33.00} for each online payment. ( {$130.00} total ) I have my small pension automatically deposited on the XXXX of each month, so my money was not in there on XXXX/XXXX/2015. I phoned them and asked for that {$130.00} overdraft fee returned and they said it was not the banks error so they would not return the fee. I said it was the banks error because they paid my bills early and they disagreed. I told them I would file a complaint with the CFPB and they said they would give me {$99.00} back, but not all of it. I told them I would still file this complaint if they did not refund the entire amount. I, then had XXXX checks presented and because I was overdrawn the {$31.00} ( because I had not gotten the entire overdraft penalty back ) they charged me another {$66.00} overdraft penalty. I phoned the temporary branch manager to talk to her and she would not return my call. Union Bank has my mortgage and, once when I complained about some charges, one of the reps stated, " We will always have your mortgage! '' I am in the process of changing banks, but this is so exasperating! I have banked with them for 30 years. I have my SSI and Pension automatically deposited. They are brutal charging the fees and heartless when I need help. I only have 2 more years on my mortgage, so I am happy to not have much longer to deal with this horrible!!! bank. When the banks were having their charges look into by CFPB I mysteriously had a deposit made into my account by UnionBank, not telling me why! I am thinking it was for past fees they charged me that they should not have charged me initially. As I see it, they owe me {$33.00} from the early payment of my bills online and the {$66.00} they charge me because they would not return the entire {$130.00} overdraft fee. Thank you for looking into this complaint. XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-23
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.

Company response to consumer: Closed with explanation