BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-07
Company: KEYCORP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: ProCollect, Inc.
State: NY
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:
Pro Collect Inc. sent me a memo stating they would accept % XXXX paid of the debit and close the account. After speaking with them over the telephone and confirming i was inform that they would report the account settlement as soon as possible. This did not happen, the account is still open and only reflects that i paid half when in fact the account should be reported closed and paid in full.

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 2015-05-21
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged overdrafts on my bank account for previously pending charges while still being allowed by my bank to withdraw {$180.00} out of a check that I had just deposited for {$500.00} their claim was by letting me have the {$180.00} it made my pending authorized purchases Invalid and that I was charged a overdraft fee for every purchase even though I still had the same check which I was allowed to purchase {$180.00} worth of merchandise on in my account if it was good enough to cover that it should also have covered the XXXX prior purchases which came to a combined total of {$11.00} also in addition to this my monthly social security checks were also entered my account for a total of {$750.00} all of this activity occurred on XXXX/XXXX/2015. The reason that I know how much I was authorized to spend out of the {$500.00} check that I deposited was because the initial total of my merchandise came to {$310.00} when I swipped my ATM card it only authorized me {$190.00} so I had the purchase voided and the {$190.00} put back on my card I then choose {$180.00} worth of merchandise which I was allowed to purchase, but before depositing the check and with everything pending I still had {$1.00} in my account. When I went to the bank about the overdrafts, I was given XXXX different explanation over the course of two days, first by the teller initially, who said it was because I made a purchased of {$6.00} on XXXX/XXXX/2015 I then asked to speak with the manager he was busy, so after waiting about a half hour the assistant manager said she would look at it she gave me an entirely different explanation, telling me that they really did me a favor by letting me have the {$180.00}. Becaused the check had not cleared this was on XXXX/XXXX/2015. I returned on XXXX/XXXX/2015 this time I met with the manager who gave me still a different explanation but advised me to take the overdraft protection of my account and said that he would refund XXXX of the overdrafts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-14
Company: Arbor Residential Mortgage LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to a different servicer. I set up bill pay with my bank. The new servicer rejected my first payment. When I called to find out why, they advised that they had received my payment but were rejecting it as their policy was to not accept bank billpay for the first payment after a transfer. I asked how I was to know that and the agent referred me to my welcome package. We reviewed the welcome package together and the agent, and a supervisor, confirmed that nowhere in the welcome package did it indicate that a billpay payment would be rejected XXXX the instructions even provide a reminder to update the billing information with the billpay provider! XXXX. When I raised this with the supervisor, she advised that they knew the welcome package was wrong and they had not gotten internal support to update the letter content to indicate that initial payments would be rejected. I let her know that I could not believe they were letting this happen as it would mean that every transferred customer would have a rejected first payment and therefore a late payment. Her response was that late charges would be waived - I told her that was not the point as we were not intending to pay late. I was given the option to make another payment with the agent to replace the one I had already made that was rejected - for a {$15.00} fee. Completely unacceptable service from Seneca XXXX Servicing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX, therefore we had to move to another property and leave the one we are currently short selling. Since I am on a fixed income, I can only pay one mortgage and that is the one where I do not have to go up and down the stairs. TCF Bank has made this process very difficult, asking XXXX questions, asking for all sorts of documents, everything was provided to them. All we want is to do a short sale and get with our lives, but once again TCF is making this very, very hard for us to do. I am XXXX, on a fixed pension income, married with a woman who can not work because she has to take care of me, can not live at the property where TCF is the bank XXXX, what else do they want to understand I HAVE A HARDSHIP! They wo n't do a short sale, they wo n't modify my loan, they wo n't do a deed in lieu, therefore they are pushing me to foreclosure!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a Home Equity Loan with Citizens Bank. This was paid off with about {$200.00} extra. 
I contacted Citizens and they said loan was not closed and property was still leaned. They said there would be a {$160.00} charge to record deed. They are claiming they never have been notified to close the loan. If you look at the " Principal Balance '' it is - {$200.00}. The " Total Balance '' is - {$45.00}, a difference of {$160.00}, which means they have their records mixed up. They took the {$160.00} but will not close the account, and issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: ERC
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:
An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This home equity mortgage was paid off in XX/XX/2016. XXXX is still reporting this as active on my credit report and to date still has not sent me the cancelled mortgage despite charging me {$160.00} to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone called pretend to be me and XXXX did not ask for the pin and they gave out private information and that person called everyday till. I told at & t they where the one that broken the contract and gave out person information, and I left and went some where else, has been about 2-4 years ago. and now they are going to different collection such as XXXX, XXXX, XXXX, XXXX, ENHANCRCRCO, XXXX XXXX XXXX, XXXX, and new one is ERC. I though the case was over three months because there was no movement from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Not sure where this is from. 
I closed my XXXX account in XXXX 2016 ; and even received a credit check back for unused service. 
Also, my condo association changed to XXXX in my complex, XXXX 2016 and they checked my record and again did n't indicate I owed any past debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-02
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax refuses to update my credit report for XXXX XXXX and XXXX XXXX. They have updated the status to charged off but are still showing a past due balance even though they are charged off accounts written off as a loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I tried to add my children as an authorized user with their DOB, SSN address and phone number and set the card spending limits. The cards are sent via overnight mail. The next day I receive a call from Capital one fraud department stating they need the kids 's drivers license and a copy of their social security card. I called Capital one back stating I am not sending in the information and to cancel the request of adding them as an authorized user. The rep says they can not cancel that request until the documents are sent in. I told them the kids do n't have drivers licenses and that I am not sending in their social security cards. I told the rep to cancel the card.The rep states that she can not submit a request to cancel the card due to the " fraud restriction '' and that I would have to send the ssn card and drivers license. Her name is XXXX # XXXX. I asked if he had any other options and asked again to have the card cancelled. She stated they would not be able to cancel the card. I paid the balance in full so it 'll be zero but they wo n't cancel my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: ERC
State: IL
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:
As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Colony Brands, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have observed that XXXX has been reporting an account on my credit report for the last seven months that doesn't belong to me. I disputed the account on several occasions with the credit bureau and they stated that XXXX verified the debt as mine. I then contacted XXXX asking them to verify this debt but to no avail., they have failed to verify but continue to report the fake account. I will now ask one last time for them to send me the contract I signed that contractually obligates me to pay this fraudulent debt. I know my rights have been violated and I will contact a consumer attorney if this account can not be resolved amicably. The account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. 
XXXX numbers that call appear to be local XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I got a rejection letter from Capital 1 Auto Finance, dated XXXX/XXXX/XXXX, reference number XXXX, for a loan application from XXXX XXXX on XXXX/XXXX/XXXX. The reason for not approving my request was " there are too many delinquent past or present Capital One credit obligations. '' I do not have nor have I ever had any Capital One credit cards. My sister in law, however, does and she has poor credit. XXXX XXXX XXXX, dob XXXX/XXXX/XXXX, new married last name XXXX. She used to live at my husband 's and mine current address XXXX XXXX XXXX, XXXX, NC XXXX. Somehow Capital One has confused our XXXX separate identities and now it is affecting all XXXX credit reporting companies!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX 2015 I sold my home. My mortgage company was CCO Mortgage. The Mortgage was paid in full. On XXXX XXXX, CCO decided after my mortgage was paid in full to make the next quarters tax payment XXXX XXXX in XXXX 2015 XXXX from my remaining escrow funds even though the home was no longer owned by me and there would be no CCO mortgage on the property. Despite complaining to CCO on multiple occasions I am still owed {$730.00}. My town XXXX XXXX RI ) never process the tax payment because they knew the home was sold and that it would be an overpayment of taxes and they sent the money back to CCO. CCO can not find the payment and claims to be investigating. Its been almost XXXX days since my home was sold. They are violating laws by now returning my excess escrow funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: HOVG, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The BAY AREA CREDIT SERVICE offered me a pay now at a discount offer last year. I paid the discounted price that day. They have now sent a number of bills for the remainder ( discounted ) amount. They were contacted by phone as well as mailed and emailed a copy of the discount agreement. We asked them to mark this as paid in full and to send a receipt within 60 days. It has now been 120 days and I have just received yet another bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
in 2009 in Nevada someone opened up a XXXX Phone in my name, I called XXXX and tried to reason with them, they wanted me to pay over {$800.00} to clear my name. It was to be taken off after it aged out in XXXX..A new collection shows up for XXXX collections in another name ..This is a Debt I have been battling for 7 years and it keeps rising.it is now XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Stearns Ventures, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a home loan in XX/XX/2014 and the originating company either sold or transferred our loan to Stearns Lending. 
We make our payment on the internet as figure we can track the receipt of the payment quicker than Snail mail. 
Depending on when our retirement income is received ( Social Security ) we make our payment effective the second Wednesday of each month. Depending on the date they anywhere from {$5.00} to {$10.00} for the payment. We have never been late and are still well within our grace period.

On the annual mortgage statement these additional fees reflect Late Charge, however I checked our credit and they do not reflect as a mortgage late payment.

Is this legal since we are stilll within our 15 day grace period. 
Our loan was just recently sold to XXXX mortgage and they do not have this fee thank you

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 2016-05-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Back on XXXX XXXX, 2016 someone someho stole my debit card. I had only {$180.00} in my account. By the time the thief got through I was {$1300.00} overdrawn. I filed a complaint immediately, the bank sent an affidavit which I filled out and returned. Then I called Card Services. They told me this would be settled in 5 to 10 business days. So here it is, XXXX XXXX and I 'm still waiting for my money. They claim they already returned {$800.00} one day and {$200.00} on another. But nowhere in my bank statements are these reflected. I 've called several times and half the time I get told to call their claims department. I 've also called claims a bunch of times, stayed on the phone on hold for a half hour, using up my cell minutes, and no one ever answers. Sounds like the bank is scamming me. Am I ever going to get my money, or am I being ripped off twice? Any help you can give will be gladly welcomed. Thanks.

Company response to consumer: Closed with explanation