BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-10
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX 2015 I called green tree Mort.co now dietech and requested a month deferred. Was told oh yes just make a payment we will defer 3 mo. Called because I never received confirmation nor the modification papers I was promised. Oh there on the way I was told. 3 months later I get an act XXXX foreclosure I call to see and was treated rudly by XXXX. I told her story she said rep knew there was no such program I was offered. Made me pay almost all my income to keep my house. So now I 'm still struggling to get caught up. I got behind in taxes paying them. They took my tax return and will not work with me to get an lower payment or nothing. Belittle me when I call. The mental stress this is causing all they had to do a year ago was say no I would have paid what I could not get behind XXXX dollars which set me back almost half a year. Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The information stated the card provides a {$100.00} credit towards the XXXX XXXX application. I called to get the reimbursement and they are telling me my card does not offer that even though everything I saw stated it does. I asked to have this rectified and be reimbursed for the {$100.00} application and they are still not doing so. I asked to file a complaint and have someone follow up with me and was told they would not. Please provide the {$100.00} fee reimbursement to address this issue. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: Movement Mortgage LLC
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started a loan process with Movement Mortgage in XXXX, South Carolina. The Loan officer 's name is XXXX XXXX. I have decided not to pursue a loan with Movement Mortgage due to XXXX 's unprofessional-ism and predatory practices of charging me at least double the rate of services in the mortgage lending industry. I have simply asked for the fee back that I paid for an " appraisal '' the fee charged was {$650.00} which was my first indicator that XXXX was trying to rip me off. She then preceded to try to charge me {$890.00} in non-existent Administrative fees. I am choosing to use another loan officer and company at this point. I asked XXXX for my money back, she has refused to refund my {$650.00} back and told me to stop texting her phone. She then rudely said that I had the " audacity '' to ask her to come to my work for my closing. I asked her to come to my work due to me just starting a new job a week ago and not able to get off to go to closing. After that insult, I have decided to pursue other mortgage lending options and would like a refund of the {$650.00} fee that I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Ocwen Financial Corporation
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied. 
Ocwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years. 
I have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak. 
Further, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation. 
Ocwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage. 
Thank you. 

My name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: NY
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:
Hello, I am disputing this collection account on my profile. It is a not a valid debt and I am requesting validation of debt. If you cant provide the accurate information requested. I demand deletion from my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Robinhood is keeping my XXXX benefits XXXX saying their doing an investigation because of reversals that was done by my ( persona ) bank, they claim they are doing an investigation but for a month? & then at that its my account & I cant use my own money, Im getting unemployment benefits due a reason how am I supposed to eat or make a living? I use Robinhood to trade as well please help .i sent the company all documentation needed & everytime i emailed they said theyll let me kno when its done being reviewed! What takes a month plus more to review I have XXXX in my Robinhood Spend account that I recieved from unemployment XX/XX/2022 & since that day Robinhood never gave me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: U.S. BANCORP
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank state that I had overdraft protection when I had never asked them for that, They said they had mailed me a letter XX/XX/2015 telling me I had it and I had not responded otherwise so I accepted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Other fee

Complaint:
My name is XXXX XXXX, I live in XXXX, Florida. I opened a credit card with Zales jewelry in XXXX. I was offered a 0 % rate so I took advantage of it. I received the first statement all was fine, no fees. Today I get home and I received a letter - dated XXXX/XXXX/2015!! Today!! - from the insurance department of Zales Corporation " congratulating '' me for enrolling in their balance protection insurance. So I checked my statement from this month and indeed there was now a {$2.00} fee, of course unspecified. 
I called the insurance department and they are closed of course. So I called the Zales card and they confirmed the insurance fee and that " the representative at the store probably did it without telling me and I apologize ''. This is unacceptable on so many different levels that I can not begin to list them all. 
I will call the insurance department tomorrow to get this absurd abuse cancelled and refunded, but this must be stopped at a higher level and hopefully you can do more than I can about this matter. 
You can email me at XXXXXXXXXXXX if necessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from TSI ref # XXXX as well as XXXX XXXX XXXX ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've contact XXXX XXXX  Delaware about a specific amount that has been paid and the account has been closed for more than a year. The account shows closed, and the balance was never updated to zero. The balance remains at XXXX. I contacted XXXX and they told me to contact a collection agency. When contacting the collection agency, they tell me to contact XXXX. I have a letter from XXXX, the collection company showing the account was settled on XX/XX/2020. I got the letter from XXXX on XX/XX/2020 and called XXXX again. They still have not updated the balance on my credit report. The amount settled was XXXX. XXXX settled for a lesser amount and sent me a 1099 for XXXX. When I spoke with XXXX, they were aware the account was paid. 

Experian updated my credit report and claimed XXXX was written off. I made XXXX in payments on a balance of XXXX. Experian updated my account to reflect paid in settlement : XXXX written off. The amount written off after payment would have been 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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In accordance with the Fair Credit Reporting Act the listed accounts below has violated my federally protected consumer rights to privacy, confidentiality, accuracy, and confidence under 15 U.S.C 1681 Bankruptcy Case Number : XXXX, and Bankruptcy Case Number : XXXX has violated my rights under sections : 15 USC 1681 section 602 ( A ) ,15 USC section 604 ( 2 ), 15 USC 1681 section 6060 ( 2 ) ( a ), 15 USC section 6048.

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 2015-08-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to file a complaint with Gregory Funding Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX By fax : XXXX I have continuously tried to receive a mortgage statement from Gregory funding. I had a bankruptcy chapter XXXX discharged XXXX 2015. After my discharge it is my right to receive my statements after discharge. Gregorgy Funding has done everything possible to not release a statement to me. I submitted a modification and was denied and now I am going through Keep Your Homes XXXX. One of the requirements is a mortgage statement with balances. I am unable to continue with the process because of their negligence in the rights after my bankruptcy. 
I have delt with XXXX with unknown last name and she has given me mis information. It is important that this gets resolved immediately as though i will not like to loose my home to this issue that can be resolved. Thank You for your time and effort in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a XXXX XXXX credit card at XXXX & XXXX XXXX XXXX. I normally do not apply for store credit cards as it means a credit pull and it impacts my score but I was buying a {$2000.00} card and the promo was that the purchase tax would be waived if I used XXXX. XXXX responded with I will be informed via mail within XXXX business days, which normally means a decline. I was shocked as my XXXX XXXX was XXXX. After more than two weeks I called customer service and I was sent around in circles with no answer but wait for the letter. I tried again after 3 weeks and I had the same problem. No one had the access to give me an answer and I was finally transferred a fourth time and the question was did you get a letter and I said No and I was cut off. Comenity Capital Bank which offers XXXX is breaking all the consumer regulations. My score dropped XXXX points because of the pull and I have XXXX added to XXXX  pulls in 3 years which reduces my score and I have no reason for the decline. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am with a mortgage company called greentree services. This company forces insurance on the buyer. If u do n't have house insurance, they will take it from your regular mortgage payment and then call you and tell you that you was short on your mortgage. They calls your job after hours forcing you to make payments and the 15 day grace period does n't even be over. The representative s are very rude and threatened foreclosure after being late a week. I have a fixed rate mortgage and they have went up on my house note at least XXXX bucks monthly. This company also forces escrow on the buyer even when you tell them you will rather pay your land taxes at the courthouse. If you send them a extra payment by just sending them a house payment earlier, they will apply it to the principal instead of the mortgage. So very tired of all this. XXXX rep even told me, if you ca n't afford the house, sell it but pay us when you do. I need help, fast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Issue: Other

Complaint:
We paid off our Citi Bank XXXX in XXXX XXXX and over paid the account by {$600.00}. On XXXX XXXX we requested a refund for which we where told by Citibank that they would mail out a refund check for {$600.00} to arrive within XXXX business days. We did not receive a check so on XXXX XXXX we again requested the due refund and gave our checking account routing & account numbers for a direct deposit. AS of today XXXX XXXX, XXXX we still have not received a refund from Citibank. We recontacted today XXXX XXXX, XXXX and again requested our refund. Citibank account manager XXXX advised that she has opened an investigation into the matter. This is not acceptable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-11
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Costco transitioned from an XXXX to a Citi Visa card. I made arrangements with XXXX to keep my card and called Citi Visa on XXXX/XXXX/2016 and spoke to a XXXX who told me that they could not cancel an account until after the transition took place. XXXX would not give me an employee number or call reference number. I called back when I received XXXX new Citi Visa cards on XXXX/XXXX/2016 and told the operator I did not want this account, that they did not have my permission to open a credit line in my name and to cancel the account. The operator told me that all I had to do was not activate the cards, cut them up, and the account would never open. They told me they could not open an account without my activating my card. I received my first statement today ( XXXX/XXXX/2016, for {$0.00} ), called the general line and learned that I had an open account with a credit limit of {$14000.00} ( and a large cash advance option ) with Citi Visa. I finally spoke to XXXX who told me I did have an active account, that it automatically rolled over from Costco. I told him this was a fraudulently opened account and to cancel it immediately. He started the regular " well we can offer you ... '' then I mentioned I was contacting the CFPB and he promptly canceled the account and apologized, so thank you, your name alone is doing XXXX work. XXXX also flatly refused to give me any internal call tracking number that I could reference in case they " lost '' record of my cancellation. I also noticed Citi Visa reserves the right to share my personal information with their advertising partners, I assume the damage was done the moment they fraudulently opened the account in my name without my permission. I also assume Citi Visa is going to report to XXXX, XXXX and XXXX an account for XXXX that was open for one month then closed, negatively affecting my credit report. I 'm glad they 're still serving the taxpayer after that $ XXXX ( and priceless government backstop ) that we gifted them.

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX  and myself! Please send the proper validation

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
the following inquires were not authorized sent letter out on XX/XX/XXXX never got a response back from the bureaus, transunion, XXXX  or XXXX. 


1. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. never gave authorization XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12.The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

13.The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

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