BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-17
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-29
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX balance transfers with the same credit card that were taken out at XXXX different times. XXXX is a large amount that was taken out first and is now no longer at 0 % -it is 16.99 %. 
The second XXXX is a much smaller amount and is still at 0 %. 
I noticed this month that the principal of my 16.99 % balance had only gone down about {$10.00}, where as my 0 % had gone down {$200.00}. This company is not applying the payment to the highest rate portion of my bill. I do not use this card for purchases and I am not able pay more than the minimum due. This applies to the minimum due and how they are dispersing it. When I called them they said they are allowed to do this and only are obligated to apply any amount above the minimum due to the highest APR.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Approved for a loan modification with ocwen. All trial payments made on time. Ocwen failed to send out final paperwork to be signed within a reasonable time frame. Signed and sent back only to be told done incorrectly. Waited another unreasonable amount of time for second try at paperwork. Sent back and not accepted. Waiting for the third set of paperwork to be reviewed. At no time did ocwen offer to explain why paperwork was wrong. Incorrect or missing information on their website. Credit reporting during trial period was current. After trial period no information given for current payment to be made. Ability to pay online and on phone retracted. Payment statement slips no longer arrive at my home. No longer reporting current but 180 days plus late and " congratulations you have been approved for a modification '' removed from their website. While in modification process constantly receiving calls about collecting a debt and how we are in default and what are plans were. It 's like they are XXXX different companies. Very concerned that I will lose my home. They have not been straight forward with me. They have lied to me and deceived me. I have given up trying to talk to these people. My lawyer will handle from here on out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Franklin Collection Service, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Franklin Collections has a collection on my credit file from XXXX XXXX XXXX. I have disputed this collection twice of which XXXX claims that the debt has been verified. With that being said, I have yet to receive for what service was this for. Was it a cell phone? I have requested a detailed report from the collection agency with no answer in my last complaint. I refuse to pay a bill without a detailed description of dates and what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt. 
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX. 

What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber. 
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have requested a recast of my fixed rate conventional mortgage loan. The investor is NOT XXXX XXXX or XXXX. It is my understanding it has been sold to a private investor and serviced by Ocwen. I have been told my loan does not qualify for a recast but they refuse to tell me if this is an internal guideline or a regulatory requirement. I have not requested an extension of the term, only that the loan be recalculated on the new lower balance in order to lower my payment. If there is a regulatory ruling that prohibits the servicer from honoring my request please direct me to the publication I may review so I can better understand their position. The only thing that would change on the loan is a lower principle balance and the newly calculated payment amount. These funds are coming from a probate settlement from my deceased Aunt. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello my name is XXXX XXXX, due to a hardship, I couldnt work and fell behind on my mortgage. I started a modification with XXXX XXXX XXXX, and submitted all my paperwork, however Caliber Home Loans bought the loan. XXXX assured me that the modification would be transferred to Caliber Homes, and I would not have to submit ADDITIONAL/NEW paper work for the modification to Caliber Homes Loans. Unfortunately, I was mislead, because Caliber Homes Loans did not have any of my modification paperwork. I recently attempted to submit my modification paperwork to Caliber Homes Loans, but they wont accept it, because there is now a foreclosure sale date on XXXX XXXX, 2015. This is very unfair, because I was promised by XXXX that my paperwork was submitted to Caliber Homes Loans, but again it wasnt, and when I tried to submit it modfication paperwork, but they wo n't accept it, which means I will be homeless. I am single mother, and now have income for a modification loan, so I am beggin and pleading for the chance for a modification, so I wont be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Alorica 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:
We get repeated phone calls for debts that we have nothing to do with from a company called Global Receivables. I have called them multiple times and asked to be taken off the list and they have refused to stop calling us. The agents are often aggressive, nasty and use profanity. When we tell them we are not the debtor, they ask us if we know the debtor and become even more aggressive. 
I have blocked the phone number, but they just change phone numbers. I have contacted an attorney who is trying to persue a civil remedy, can you helpus with this PLEASE!!! Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Pendrick Capital Partners Holding, LLC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The false claim is regarding an emergency visit I had made to XXXX XXXX XXXX on XX/XX/XXXX while traveling in United States. There was originally an error on behalf of XXXX XXXX XXXX XXXX. They had sent the physician bill to a wrong insurance company due to incompetency of their computer system in comprehending XXXX addresses. The Hospital had sent their bill to the correct address and they had received their payments without any issue. The issue with physician bill was finally resolved and it was also paid in full amounts and confirmed by a XXXX XXXX XXXX XXXX representative. However, during the process XXXX XXXX XXXX had sent a false claim to XXXX, a debt collection agency as well. Through correspondence with XXXX, XX/XX/XXXX, I made it clear with evidence, that the debt had been paid and if they had any remaining claims they needed to provide evidence to me. They finally stopped harassing me. I had assumed everything had settled until XX/XX/XXXX I received another call, this time from Affiliate Asset Solutions, another collection agancy, followed by a bill sent to my sister 's address in United States, repeating the same false claim. The new creditor on the collector bill was PENDRICK CAPITIAL PARTNERS who had apparently purchased the unfounded debt. Once again, I enclosed the documents from my insurance company that showed they had paid both hospital and physician bills in their full amounts and faxed them to XXXX XXXX XXXX. I am enclosing these documents here as well. After faxing these documents to XXXX XXXX XXXX, I also confirmed through phone that they have received my fax. Furthermore, the representative gave me the impression that the issue was resolved. However, on XX/XX/XXXX I received yet another call, this time from XXXX XXXX XXXX, XXXX, followed by another bill sent to my sister 's address in California, repeating the same false claim on behalf of PENDRICK CAPITIAL PARTNERS. I really hope you can help me put an stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Consumer Loan
Sub-product: Pawn loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX Home Loans Manager Vice President NMLS ID : XXXX XXXX XXXX, WA XXXX Direct XXXX Fax XXXX XXXX Dear XXXX : RE : loan no : XXXX At the end of year XX/XX/XXXX, I misled to refinance when I inquired home equity of my condo and paid appraisal fee and XXXX did not disclose a hidden fee of condo questionnaire fee at XXXX branch and I kept getting statements from BOA about closing fee about {$4000.00} more than {$1100.00} XXXX promised on day one and I was really disappointed to cancel the loan. I complained to you on the phone and you understood that and told me you did not have power to make a decision. Would you please direct me to the decision maker? After that, when ever I followed up by email or phone, you never responded. I am disappointed because I should not be responsible for appraisal fee at all when I clearly requested home equity without any cost and the hidden fee of condo questionnaire, {$330.00} was not disclosed clearly. It is obviously against TILA and CPA. 
To resolve the problem, I would appreciate your effort. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX or from XXXX, XXXX consumer reporter or filing a claim to XXXX county bar association 's consumer division. Please contact me at the above address or by phone at XXXX. 
Sincerely, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: PA
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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Called on XX/XX/2022 for a partial refund of {$20000.00} on my paid off student loan under the CARES act as this payment was made in XX/XX/2022. I was told my request was submitted. I called back on XX/XX/2022 asking for an update and have been told that it has been sent to the Department of Education. There has been no update in the XXXX weeks since I submitted my request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
hi my name is XXXX XXXX, and I have been a customer of capital one for over a year, I had my identity stolen, and I reported this to my local police department. After viewing my capital one statements, I noticed alot of fraudulent charges were on both of my credit cards that I hold with CAPITAL one, so I called to report these numerous of transactions, I was told bye Capital One team members, that they would do an Investitation, for 30 days and they would then refund me my funds, however they only refunded a few fraudulent charges per card, after calling them numerous of times, But still they have not refunded me for all fraudulent charges, but they advertising zero fraud libility, this is false advertising, however Capital One changed my credit cards numerous times after the fradulent activities had already taken place. This is totally not fair to me as their customer, to continue to pay for these fradulent charges.Everytime I contacted them about these charges, they told me that they would have a team member of their management to contact me, but unfortunately no one never called me to resolve this matter I am very upset with them, I am XXXX, and is not able to keep paying these fradulent charges. I continues to make my monthly payment to them on time, so it would n't damage my credit anymore than it has already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing to dispute the inaccuracies on my credit report with Transunion.

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 2015-08-17
Company: Jim Bottin Enterprises, Inc
State: TX
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:
I was a paid-in-full member for XXXX years with XXXX until XX/XX/XXXX. I stopped using the club shortly thereafter when a company called XXXX took over, and announced they were closing several locations XXXX. I was under the impression that since I was a paid-in-full member, that the staff would contact me to solicit a new paid-in-full membership. They made no such attempt, and instead decided to make monthly electronic debits of $ XXXX dollars according to the terms of the original contract. I do not check my bank account regularly, but after 1 year of not using the club, I found out about all these withdrawls. I am willing to accept that it was my own fault that I did not read all the fine print in the contract, and that there was a clause that said the club could transfer the collection dues without warning to any company of it 's choosing. On XXXX XXXX, I sent a letter stating to stop making withdrawls to the company. I received an initial response with a pdf letter stating that they could not honor my request. Shortly thereafter, I then received another email from an employee XXXX that my automatic daft information was removed, and that I would need to go to the nearest location to sign a " waiver '' in order to cancel my membership. I went to the nearest location XXXX after this email was sent, only to be told my club employees to come back when a manager was available, and was given incorrect information that I was supposed to contact the company in writing, and no mention of a waiver. in addition, I was denied proper access to view the original contract signed by online access through the company website XXXX When I requested a password reset, the email with the password reset function was never delivered, I check my spam folder just to be sure. 
After this time, I have received mixed guidance from the company, stating I must sign a waiver and pay a final fee to close. I was getting notices stating that I owe XXXX in order to cancel. I am willing to pay this amount ONLY if I am given a PROPER explanation of why I was not told when my Paid-in-full contract expired by facility staff, and why I was not informed of new Paid-in-full membership options, prior to the New company XXXX XXXX ) taking over operations in XX/XX/XXXX. Now I am getting an outside Debt collection agency called SEAS AND ASSOCIATES, who are not parties to this case. They are sending me notices that I owe {$140.00}, and I am getting harassment phone calls. They are not explaining how this figure was calculated, and in doing so are not using fair disclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We prequalified for a loan with Lender. Lender quoted several different interest rates over 3 days discussion. Lender committed to being able to close within 30 days. On this premise we signed a contract. On Friday, XXXX, I wanted to look the loan. The lender again quoted several rates and XXXX different PMI payments. When I asked to have in an email, not even a GFE, the lender then gave a different rate and points quote. After ~ 2 hours on the phone, the lender then said they could n't close in lees that 45 days. I made a purchase decision on the basis the lender would be able to close in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX insurance has sold a debt to credit collection service in XXXX, Ma that is listed on my credit report when. I paid them and went to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX Transunion or XXXX. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.

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