BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Citizens put a hold on money I deposited for more than their normal two days, they never notified me of the extended hold. They have released other checks I have deposited made out to my husbands business with the normal two day hold if they were going to have an extended hold they should have notified me or returned the deposit. They let me take cash out on the deposit and transfer money in to my savings account they put the extended hold on the account to collect ADDITIONAL FEES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: SCV 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:
For the past year, or more, scince changing phone and changing to new phone Number, I 've been receiving intimidating, harassing, threatening leagal action against myself if I do n't respond : by various debt collection Agencies, claiming it is regarding ( I believe ficticious ) a person - XXXX Constanamous..? Attached to this phone number..? At first I tried to understand and set the record straight about I 'm not this person, I did n't write this ( ese ) bad check ( s ), and they always promised they would correct their records and take my phone number off their call list. It would be a couple of months and then the calls would start over and it seems other collecting agenies would be added, as if they must be passing my phone number and the erroneous information on this " bad debt '' to other new collection agencies. I 've contacted my phone carrier, XXXX XXXX, who only suggested changing to a different number ( at my expense/inconvience ) but as they recycle numbers, they can offer no guarentees of who or what might be attached to the new number..? This last month and a half I 've logged up to XXXX Voicemails of these intimidating harassing Phonecalls and contacted them and they '' ve continued with the same lie that they 'll correct their records and remove my phone number from their call list. A particular XXXX - Tier One, XXXX XXXX XXXX & phone # XXXX XXXX XXXX & # XXXX XXXX XXXX referencing some file # XXXX after just promising yesterday XXXX XXXX XX/XX/2015 to update and correct their records proceeded to call with their intimidating, harassing phone calls again today the XXXX XXXX XX/XX/2015

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Seterus = During the trial modification period ( XXXX/XXXX/16 ) I contacted Seterus and asked how to pay the Escrow shortage so it would not be added to my monthly payments. I received instructions and sent the entire amount due ( electronic transfer from my bank ) on XXXX transaction and the regular monthly payment due on a different transfer. XXXX were received on XXXX/XXXX/2016, however, since that date I have been unable to have the escrow amount credited to the escrow balance. Phone calls from XXXX asking for this, XXXX, XXXX, each time I was promised that it would be done withing XXXX 5 days and to check back with them in a week. I did that and finally today I was notified that it was not going to be applied to the escrow balance at all. They took the money and applied to " fees '' for the final modification, all of the fees had already been added to the loan prior to XXXX/XXXX/2016. 
The final modification contract was never sent to me or my attorney, I was given a story about it being sent to a wrong address in another city, then to their attorney 's office and so many lies. It was finally sent to my attorney just a few days before day of the final foreclosure sale and was not accurate but my attorney advised me to sign so the sale would be cancelled. I signed the erroneous documents that stated the escrow shortage and I notated on the contractthat this amount had been paid. All of the fees prior were included in the BLOWN UP BALANCE THAT DOUBLED MY ORIGINAL MORTGAGE LOAN. I have followed up multiple times and to no avail. NOw they say that it was applied to A MONTHLY payment and I wo n't have to pay another payment till XXXX. 
But since XXXX XXXX, I have paid XXXX payments anyway so the fact that I do n't have a payment till XXXX is not showing me the credit for the escrow payment either. They are now also charging a {$30.00} fee for INSPECTIONS done prior to the closing of the modification contract. They doubled the price of the mortgage without telling me my balance and I was not in a position to move out with 1 weeks notice, so now I owe twice what I paid for the house and the fees are going to keep coming because no one in our government will stop the fraud being perpetrated by these companies. Just look at the number of dissatisfied homeowners that are complaining about Seterus and every other servicer of mortgage loans. These companies do nothing but take advantage of every opportunity to find an additional fee or threaten to foreclose again at a moments notice. I went from being in a bad position to a worse position on this property when I guess doing the right thing will cost me a fortune. I could have walked away and let them have the place ... they would never have gotten this much at foreclosure auction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i have contacted equifax office of consumer affairs on several occasions and have been denied access to receive copies of my credit report after providing all the documents that they requested also i was a victim of identity theft in the past and i fear that equifax has been reporting that information on my credit file i have tried to remedy this a lot of times only to be told that i can not dispute any information that i feel is inaccurately reporting. I have also asked them to remove all derogatory information that was related to the fraud only to be hung up on several different occasions I have documented proof that equifax has been adding information to my credit file without getting the consent from the actual owner of the information its self and not doing a complete investigation.. i have been told that i can not receive any copies of my credit report and that i can not dispute any information on my credit file even though the information is inaccurate. causing unjust harm and exposing me to even a greater risk when it comes to my credit file information violating my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: Seterus, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My account was transferred to another service provider, Seterus, effective XXXX 2015. These five months have been a nightmare from the very beginning. Almost immediately, Seterus sent a letter that I owe almost {$3000.00} and for " my convenience '' they would spread the payment over two years. When I called, representatives said they could not talk with me because I was in foreclosure and bankruptcy and they could only speak with my attorney ( I have never filed for bankruptcy in my life ). Seterus next claimed I owe money for negative escrow account although the bank that transferred the loan paid all taxes and insurance and reported a positive escrow balance. I called to make payment arrangements when my tenant moved until I obtained another tenant, and was encouraged to apply for forbearance ( which I did ). Shortly after, I started receiving threating and intimidating phone calls. I was told forbearance was denied ( although to this day, I have never received anything in writing ). I made arrangements for stagnated payments through my checking account. On or around XXXX XXXX, 2015 after XXXX payments had been made and a third was scheduled for XXXX XXXX which would bring the account current ( owing for XXXX ), I received threatening and intimidating call and the representative threatened that I was still in foreclosure and had to pay all the money owed. I requested to speak with a manager who also was very verbally aggressive and intimidating threating foreclosure and said the balance would be withdrawn at the end of XXXX from the account on file. I told her it was illegal to take funds unauthorized and told her to cancel the last scheduled payment for XXXX XXXX, 2015. I cancelled the authorization verbally, by e-mail, regular mail and fax. Payment was still processed and when I tried to resolve the matter with Seterus as my bank suggested, I was told I must give them a letter from the bank saying that I gave Seterus authorization to take the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. 
Being that they have gone past the 30day mark and cant verify this account, under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can not be verified '' that I have disputed. I have attached document from Court House that they do n't furnish any information to the credit reporting agencies. I have also attached copy of credit report dated XX/XX/2016 results of the dispute for Tax Lien " This item has been updated to report satisfied/released. '' Also, within the 30 day dispute they sent me another copy of my report dated XX/XX/2016 with results that " We have verified that this public record item is reporting correctly. This account was never verified. Please resolve this manner as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have had a XXXX account on my credit report for about 7 yeas that I was an authorized user on. I requested that it be removed from my credit report as I had no responsibility for the account. XXXX agreed and said it would be removed. It was removed from all of my reports except Equifax. I have submitted several disputes with Equifax over this matter. After saying it is valid each and every time I have contacted XXXX and they state Equifax never submitted the dispute to them. I even have the paper from XXXX that says it should have been removed several years ago. I have submitted that paper with it as well and Equifax leaves it on there. I do not think that Equifax is following the laws regarding the dispute process and is in turn, hurting consumers. This is not the only account that they have done this with and I will be submitting additional complaints against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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:
I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.

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 2015-10-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company informed me that first ; they were suing me. I then asked again if they were suing me, they then informed me that they were in the process of suing me. I then asked questions, the story then changed to ... ... they were in the process or making an attempt to sue me and that I would be faced with a summary judgment and then be required to pay legal fees as well. They then informed me that regardless a summary judgment would stay on my credit report for ten years if I paid or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio RC This company did NOT respond to my direct dispute within 30 days. I sent them a certified letter ( XX/XX/XXXX ) disputing incorrect delinquent account dates, that this account was more than 7 years old. They ignored my letter. Then when I filed a dispute with TransUnion to delete it, they conducted their own investigation after I sent them supporting documents that this dispute to Portfolio RC went unanswered within the specified time frame according to the FACT act ( XX/XX/XXXX ). They have had ample time to delete this information from my credit report. They 're indifference to my situation is keeping me from purchasing a home! I have re sent certified mail as of XXXX/XXXX/XXXX to XXXX, XXXX, XXXX, & PORTFOLIO RC with supporting documents to back up my claim that they have violated the FACT ACT and that these furnishers have failed in their DUTY TO CORRECT AND UPDATE INFORMATION & ( FCRA 623 ( a ) ) DUTY TO PROVIDE ACCURATE INFORMATION. These documents were confirmed delivered to recipients by USPS.com tracking, and they have still not deleted this information off of my credit report. Evidence included in these packets : original dispute letter with certified tracking ticket, USPS.com tracking confirmation that they were hand delivered ( PORTFOLIO RC denied that they received anything during a follow up phone call ), and transcribed scripted phone calls with this company, including representatives that I spoke with and ID numbers of said representatives. I am an educated consumer and I am aware of my rights. They have clearly violated the FACT ACT introduced by congress XX/XX/XXXX. This act allows the consumer to directly dispute with furnishers ( third party collection agencies ). These furnishers continue to report false information to the CRAs and are keeping me from purchasing a home. I will file with small claims court if I have to. I have more than enough evidence to prove my claims. This is a gross injustice to me as a human being. I want this information deleted from my credit report immediately. Time is NOT on my side anymore. I am tired of waiting.

Company response to consumer: Closed with explanation