BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My roof and siding were damaged in a hail storm in XX/XX/2016. We selected a contractor, recommended by the insurance company. We paid the contractor {$10000.00} from our own account to pay for materials to begin. We received an initial check from XXXX, then an additional check after estimates by the contractor, and a final check after the work had neared completion. The total of the checks was about {$28000.00}. All checks were made out to us and our mortgage company. We have endorsed all checks a sent them to the mortgage company, Ditech, along with copies of all insurance estimates, and contractor prices for roof, siding, and painting. Ditech sent an initial reimbursement back to me of {$10000.00}. Ditech hired a 3rd party inspector to confirm that work was completed, and we assumed that the remaining funds would be released. However, they have continued to hold all remaining funds stating that the IRS has rejected the contractor 's tax ID. They state that remaining checks must be made out to the homeowner and the contractor, and will not issue remaining funds until this matter is cleared. Our contractor has made numerous calls and faxes to send them the correct information. They are a long-time, reputable company, actually recommended by XXXX. We are extremely happy with the work. Our insurance agent says he has never heard of a mortgage company insisting that both the homeowner and contractor be named on the reimbursement check. We have paid the contractor a total of {$18000.00} out of about {$30000.00}, but do not have the remaining amount until it is released by our mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was sold to Green Tree/Ditech as of XXXX/XXXX/2015. I made my XXXX payment to my prior servicer XXXX XXXX XXXX by XXXX/XXXX/15, before the cutoff date of XXXX/XXXX/15 for the servicing transfer. My loan was transferred as of XXXX/XXXX/15 and when the loan was boarded, my escrow portion of my XXXX 2015 was missing. I contacted Green Tree on XXXX/XXXX/15 when I was making my XXXX 2015 payment and noticed they were showing me as delinquent. I put in a dispute on XXXX/XXXX/15 and as of today, 60 days later there has been no resolution to my dispute and Ditech is showing me as being late and have started to charge me late fees. I sent proof that I made my full payment for XXXX 2015 ( copy of my bank statement showing the full payment posting out of my account as well as a copy of the last statement I received from my last servicer, XXXX XXXX XXXX, showing that I paid the full XXXX 2015 payment and that my next payment was due for XXXX 2015. ) 60 days is far more than enough time for Ditech to verify I made my payment and bring my loan current. I have called XXXX times since XXXX/XXXX/15 and have not received any resolution from Ditech except a couple of letters after I called, saying they are still researching the dispute. Every time I call the representatives or supervisors ca n't give me any information except that they are still researching the issue. Ditech has also sent me multiple statements for the same month ( XXXX 2015 ), with different regular monthly payment amounts due and no explanation as to why the amounts have changed. I can see that the escrow portion is different, but there is no recent escrow analysis done on my account, I can see that information on the Ditech web page. My loan is not being serviced according to HUD, FHA or RESPA standards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
I have a Capital One credit card and decided to download their app onto my smartphone. After downloading it, the institution asked for permission to access my telephone book as well as the pictures stored on my phone. I called Capital One and spoke with their Tech Support department and told them that asking for this information to get access to their app is a total invasion of my privacy as well as being none of their XXXX business. I was told that 's the only way to have access to their app. 

Capital One should be brought to task about this for the aforementioned reasons and redesign their app ASAP so users do NOT have to disclose this type of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Debt Recovery Solutions, LLC
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt collector says I owe a phantom bill. XXXX ca n't tell me where bill came from. Bill was nonexistent until XXXX 2014. No one can say when incurred and for what.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
A loan that I took out in XXXX was grouped into a XXXX then I refinanced it in XXXX. The original loan was paid off through the refinance. I have a letter of satisfactions in XXXX XXXX records stating that the loan has been satisfied. Currently I am facing foreclosure proceeding to have my home sold by auction XXXX XXXX, XXXX. I have contacted the servicer, who by the way is the third servicers that has tried to foreclose on this closed loan, sent them a Letter of Validation, which they were to stop all proceedings until they answer, they have not stopped the sale and have not sent the correct answer in a timely fashion. The sent an outdated Notice of Assignment from XXXX, who was fined last year and part of it asset absurbed by XXXX XXXX Ditech Financial XXXX LLC. Ditech did not give proper Notice of the alleged debt, did not allow time to cure the alleged debt and only give 30 days notice, without answering The Letter of Validation of Debt, when they did send a response it was the out dated Notice of Assignment from XXXX and a late sent Assignment from Ditech which took over XXXX in XXXX, and their dated Assignment is in XXXX, which was only received by me in XXXX, XXXX, they have not answered none of the questions asked in the Letter of Validaton of Debt and over the past three years that XXXX has tried to foreclose they have never provided the name and address of the creditor. that they are collecting for. XXXX was summoned to court last year and missed all XXXX hearing. I spoke with the VA that guaranteed the loan that my husband secured with his entitlement in XXXX and they told me that they have not had any interaction with the loan since XXXX which is the month after the loan was refinanced and secured with a security deed by XXXX filed XXXX XXXX records. I do n't understand how they are trying to collect on a loan that has been closed for 11 years. I have not received any statements and they have not shown a true accounting for what they are saying is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hunter Warfield calls all day or night about multiple people who do not live in this apartment, i have told them multiple times they do not live here.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen has serviced my mortgage for years. My mortgage fell behind and {$5100.00} was owed. I was contacted by Ocwen Financial offering a modification. I was told to pay {$9300.00} no later than XXXX/XXXX/16 then mortgage will be current. The {$9300.00} was paid to Ocwen, via wire transfer, on that date. The funds were returned w/out notice. I called & was told : First, amt was {$300.00} short, then, I 'm not eligible for modification. I told them they offered it to me, then they said : " Ok now pay {$12000.00} by XXXX/XXXX/16 & you 'll be current & your next regular payment will be due XXXX/XXXX/16 ''. Why was n't it made current w/the original payment? All that is owed is {$6400.00} - why do they want {$12000.00}? I ask for agreement in writing, never get it. Amt owed keeps increasing w/no explanation. Filed a written complaint on Ocwen site - no response. All calls are routed to an XXXX call center - never able to speak w/someone that can help. Funds are available in a separate acct. I need help w/this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Mortgage is reporting negative information on a discharged account. They removed all information on account XXXX for me and my wife ( XXXX XXXX XXXX ). However, they did not remove information regarding account number XXXX. They admit that they do n't have records for the accounts in a previous dipute. 

Ocwen was not then lender at any point in time. They were the loan servicer after GMAC Mortgage. Ocwen serviced the loan from XXXX XXXX, 2013 to XXXX 2013 when servicing was transferred to XXXX XXXX XXXX. 
Ocwen should remove any and all references this account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I got behind on my mortgage payments in XXXX 2015 because my mortgage company, Ocwen, raised my payment about {$500.00}. We were paying our own taxes of XXXX per year and Ocwen decided they would pay them. They wanted to escrow {$3000.00}, consequently we could not afford our payments. I asked for an escrow audit and beginning XXXX XXXX, the payment was reduced. We can afford our payments now, but we are {$5000.00}. in arrears. Ocwen suggested we complete a HARP application, which I did. I was assigned a relationship counselor, who failed to show for 4 straight appointments. When I asked for another counselor, Ocwen told me that was not possible. Ocwen kept asking for documents that I had already submitted. This has been dragging on for 3 months. They will not accept our XX/XX/XXXX payment because of the amount in arrears. We are getting farther and farther behind. We would like to modify our loan from 20 years to 30 years, and change our payment date, because my husband does not get his social security until the XXXX Wed of each month. Ocwen has failed to respond to our calls. Their only response is " Can you pay {$6000.00}. today? We have lived in our house for almost XXXX years and do not want a foreclosure. I would also like to change mortgage companies. We 've had several different companies, but Ocwen is the only one we 've ever had trouble with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Ocwen Financial Corporation
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Paid off a loan with Ocwen in the amount of {$110000.00} by wire on XXXX XXXX, 2015. Since that time they have sent XXXX new payoff quotes, each time increasing the amount due. They have assessed a property maintenance expense in the amount of {$1200.00}, {$1000.00} of which accrued in XX/XX/XXXX and XX/XX/XXXX after the closing. I was at that property every day and no representative from Ocwen ever showed up there. I spent a fortune preparing that property for sale. There was no maintenance. I was in possession of the property. Ocwen has deliberately and wilfully suspended this payment refusing to properly apply it to the loan and clear the amount all the while accruing interest and charging a fraudulent fee of {$1200.00}. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a second letter on Citi letterhead regarding an account XXXX XXXX had. 
XXXX XXXX had been decease since XXXX XXXX, 2009 and I, XXXX XXXX XXXX ( her daughter ) am the Executor of her estate. The letter states, If I believe the account was enrolled without consent of knowledge, I could go to www.Citi.comXXXX and submit a claim for potential refund. The letter also includes a customer reference #, and tracking #, but the website will NOT allow me to submit a claim.

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 2016-06-03
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a new Citigold checking account based upon an offer that was presented to me online on Citibank 's website. The offer stated if I met the conditions I 'd be awarded with XXXX ThankYou Points. I confirmed through Citibank 's secure messaging system that the promotion was applied to my account and I 'd subsequently met all conditions ; additionally was notified I 'd be receiving the bonus within 90 days of meeting the requirements. Today, I was notified by Citi that they were incorrect and my account was never eligible in the first place. I 've been charged account fees of {$60.00} over the past 2 months whilst waiting for the offer to come through. Citi stands by their remarks and refuses to honor the bonus.

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 2016-06-09
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
CitiBank N.A was willing to settle my credit card account for the sum of {$2100.00} on XXXX/XXXX/2015 unfortunately I was XXXX and unable to pay the amount. When I finally saved up the money to pay, I contacted CitiBank and was referred to a company called XXXX XXXX XXXX XXXX who initially wanted me to pay {$3600.00} and XXXX weeks later changed it to {$4700.00}. 

When I called XXXX back, XXXX XXXX a representative of XXXX XXXX referred me to a manager who said I had one hour to pay the {$4700.00} after which I would have to pay the full amount of {$5600.00} XXXX XXXX XXXX XXXX is the most unprofessional and crooked company I have ever had the unfortunate need to contact. They change the amount owed at will and when I asked for a manager, they put a very rude and obnoxious individual on the telephone who gave me an hour to come up with {$4700.00} or face paying the full amount of {$5600.00} saying I am not facing any hardship by his own determination.

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 2016-12-03
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.

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 2022-10-01
Company: EQUIFAX, INC.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received from XXXX XXXX XXXX XXXX that I had a delinquent account that has been assigned to their office, defaulting me if I did not reply in 30 days. This debt is not mine and I question if the debt is more than 4 years and barred by the California Statute of Limitations. They produced no records or statements indicating the existence of the debt, much less, when, if any, debt was incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Park View Credit
State: PA
Product: Other financial service
Sub-product: Credit repair
Issue: Fraud or scam

Complaint:
I was scammed by Park View Credit. I was having a difficult time buying a house because of a foreclosure on my credit report and another item. On XXXX XXXX, 2015 Park View Credit called me and promised they can remove the foreclosure and the other item off of my credit for a fee of only {$350.00}. During a long phone conversation, Park View Credit promised me they would refund me the {$350.00} if they ca n't remove the foreclosure and the other item off of my credit. Park View Credit also promised me that they can remove the items off of my credit in two to six months for the same {$350.00}. Park View Credit offered me an optional service for {$89.00} after the first two months. I made it clear to the sale representative on XXXX/XXXX/2015 I did not want the optional service for {$89.00}. 
Park View Credit told me that I will receive letters from them and from the credit reporting agencies that show that they have been working to remove the items off my credit. I did not receive the letters from Park View nor did I receive any letter from any credit agency. I checked my credit and the items are still under my credit report. 
On XXXX XXXX Park View Credit started charging me the optional {$8900.00} that I said I did not want. I called customer service and I was told that Park View Credit has not removed the foreclosure off of my credit. I was told if I still want them to remove the foreclosure I will have to pay them the {$8900.00} until they can remove it. I canceled the service for breach of contract and requested a refund ; Park View Credit refused to refund my money. 
Park View Credit lied to me over the phone ; they lied to me to trick me into signing up for a service that they never had any intention of delivering. Now they tell me that they ca n't remove the foreclosure and the other item off of my credit but they are not refunding my {$350.00} plus the additional {$8900.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Continental Finance Company, LLC
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
This complaint falls under ALL the above issues ... My Risk Management department called me regarding a call they received stating that I was going to be served at work. I in turn contacted the number left, and was told it was for a credit card that was charged off in 2011 and if I did not settle with her on the phone, she would have no choice to take me to court. When I asked for a validation letter, she referred me back to the original creditor and told me that they would be able to tell me who the debt was " sold to, and sold to again '' until I got right back to the lady I was talking to. She was willing to settle the debt over the phone, or take me to court and add on thousands of extra dollars in fees.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Adding money

Complaint:
Well on Thursday the XX/XX/XXXX I loaded {$85.00} on my XXXX Rush card I went to use it XXXX there were no funds I was on hold from XXXX in till XXXX jus for someone to tell me sorry your funds should be there shortly we are working on are system. Then here it is XXXX still not able to use XXXX because there is no money where is my money. I cant pay any bills are any thing. I would like to know what XXXX is doing people need to live to

Company response to consumer: Closed with monetary relief