BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was doing some phone shopping for the best refinance rate I could obtain. In preparation for my refinance, I had paid down/off credit cards in order to boost my FICO higher. Several lenders were able to give me a 'good faith estimate ' based on what I communicated my personal information to be ( i.e. FICO, income, DTI ratio, etc. ). One of the lenders I was talking with was Cardinal Financial. I was just about to formally proceed with another lender, when it was brought to my attention that Cardinal Financial had actually pulled my credit ( via XXXX )! At no time did I authorize either verbally or in writing, consent for them to pull my credit. Their illegal pull of my credit caused my XXXX to go down, added an inquiry to my credit report, and ultimately caused me to postpone my refinance. This was back in XX/XX/XXXX. They are 'trying ' to remove the inquiry from my credit, however, it has not been done to date. Rates have increased, so I will not be able to obtain the rate that I was going to lock in last month. By refinancing, I was going to reduce my rate and eliminate mortgage insurance which would have reduced my monthly payment as well as significant reduce the amount I paid over the life of the loan. Cardinal has apologized for 'the stress and frustration ' they have caused. What they did was unlawful and has caused me financial harm. There are regulatory requirements that lenders MUST follow, and obtaining a potential borrowers authorization to pull credit is one of them. I feel some type of restitution is warranted. 
Businesses need be penalized when they fail to follow state, federal, or regulatory laws.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Better Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a mortgage refi. They sent a pre-approval letter. i was an afternoon sending them the multitude of documents they require only to get an e-mail saying the loan is denied. One of the reasons for the denial was what they claim was too low a credit score. They use some bargain basement credit company in XXXX XXXX called XXXX. XXXX said my credit score was XXXX, i checked my credit score with XXXX and XXXX and it was XXXX and XXXX. It might have been higher but for the hard lit caused by XXXX. They also claimed my loan to equity ratio was too low, the loan was {$240000.00} and the house is probably worth over {$380000.00} with the improvements. Curiously, they wanted my to grant them access to my bank acct, maybe this is just an elaborate scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was shocked when reviewing my credit report in regards to a late payment reported for Shellpoint account # XXXX in XX/XX/2019. I am not sure what had happened. I believe all my payment to be made on time. My thought is that a statement was never received. As soon as I became aware of the issue I quickly resolved the issue and have been on time since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank, and banks in general, when there are overdraft situations, charge from the highest check down. I.E. XXXX went through, and I did n't know it. It was {$30.00}, and I had another item. They took the larger item first which overdrew me {$1.00} and then the lowest item. If they had taken the lowest item first, it would have been only XXXX fee. THIS IS JUST A WAY for them to make money. When you talk to them about it, they say " Do n't you want the highest paid first. '' Well, it really does n't matter because they pay it anyway and just charge you. VERY poor practices, and I ca n't believe it 's allowed! Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-27
Company: Big Picture Loans, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a contract and billing issue. They loaned me XXXX and electronically debited my savings account for XXXX for XXXX4 months. They than debited my account and twice when they had agreed twice to take out the full amount and my loan would be paid in full.The company continued to debit for an additionally 2 months for XXXX. Instead of the full amount. The contract reads that I can pay off early as long as I let them know ahead of time as stated in their contract. I have blocked my account and paid a {$25.00} fee to the credit union. for the block. I also have an active case with the XXXX in XXXX. I also paid them for at least 4 months XXXX for a {$300.00} loan. Also they call themselves installment loan and payday loan company. They say they are XXXX depending on what day it is. Mine is XXXX but there is only XXXX loan. Also this is the other website XXXX This is the name the original loan company before they became big picture loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property has been in foreclosure for XXXX years now. My property was vacated in XXXX of XXXX due to a safety issue XXXX. I took immediate action to relocate her to safety, XXXX and vacated my property that I have owned since XXXX. I am currently renting a property in XXXX, NY. Over that time period I have submitted multiple packets requesting a short sale and several loan modifications to GMAC Mortgage and now Ocwen Loan Servicing LLC which are the mortgage holders. All of my requests have been denied. XXXX Supporting documentation is available to substantiate this ) Over the past XXXX years, I have had my home on the housing market XXXX, have attempted to rent the property, applied for several loan modifications, even moving back into my home for a period of time as I was initially denied a modification due to non-owner occupancy. Subsequent to that denial, I submitted another modification request and was once again denied. On XXXX XXXX, XXXX, I attended a court appearance regarding the foreclosure and at that time requested to pursue a Deed-in-lieu option as all other options have been exhausted. I was granted permission to pursue the Deed in Lieu in XXXX XXXX Supreme Court. I submitted the Deed in Lieu request in XXXX XXXX. Ocwen Loan Servicing LLC did not communicate with me during that time to inform me that the process could not be completed due to a lien on my property. Due to this, the Deed in Lieu process expired. I satisfied the lien on the property and then re-applied for the Deed In Lieu in XXXX XXXX. Since that time I have maintained regular contact with my relationship manager, XXXX XXXX at Ocwen XXXX XXXX XXXX. I continue to receive letters from Ocwen Loan Servicing LLC stating that the process has been delayed with no specification as to why. I am being told by the relationship manager department that " The borrower has signed off on the Deed In Lieu and that they are awaiting on the attorney for further action. '' This has been the status for almost XXXX months now. As a homeowner of this property since XXXX, I feel that I have made due diligence to exhaust all possible options to salvage the situation. I have not received timely responses from this mortgage company throughout the process and do not receive returned phone calls from the attorney or negotiators assigned to this case when I attempt to get clarification as to what is happening. Please help me to resolve this situation as I can not attempt to rebuild my credit without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There was a delinquent account report sent by Capital One ( twice in XXXX and twice in XXXX ). They Reported it 4 different times. When I contacted them, they said they had no record of these reports and that the account has always been in good standings. When I asked for a letter or email stating that, Capital One said that they could not provide me with that. They told me to contact the credit bureau and report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servcing is refusing to pay for my insured 's hazard insurance from their escrow. This happens every year. To every client that we have that escrows through Ocwen. They refuse to pay until the policy actually cancels. At this time of year in Texas, this practice can be dangerous for our insured 's, ourselves, as well as the mortgage company. I have begun documenting every persons name, time of call, length of call, what was said and am now recording every single call to Ocwen. In XX/XX/XXXX, I filed a complaint against Ocwen and was sent an excuse letter from them. The letter stated that the first time I called on a bill that was due by XXXX/XXXX/XXXX was XXXX/XXXX/XXXX. They were billed on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I spoke to " XXXX '' who told me that our agency did not have a payee code. On XXXX/XXXX/XXXX, I spoke to XXXX who said they had no record of our billing nor proof of insurance. This account took 6 more phone calls to collect. On XXXX XXXX, XXXX, we finally received payment. Our boss paid the reinstatement fees out of his own pocket as Ocwen refused to pay any more than what was originally billed to them on XXXX/XXXX/XXXX. At the very least, these are reprehensible business practices. I never heard from anyone else regarding my complaint other than the " Ocwen Ombudsman '' who only gave excuses as to why this happened. At that time, they stated that we had been set up as a payee and our payment would be forthcoming. If we were set up as a payee in XX/XX/XXXX, why can they not pay the escrow in XX/XX/XXXX? PLEASE HELP ME AND OUR CLIENTS. This is getting very scary for all concerned with the exception of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I pulled my credit reports to find a collection from BULLCITY FINANCIAL SOLUTIONS, in which I did not recognize, claiming that I owed a debt for a utility bill that went into collections. I then checked my report to see the original creditors information and reached out. The original creditor could not confirm that my information matched the information they had on file for the supposed debt. They stated that they had no accounts for me that were referred for collections and that there were no recorded files that reported a balance or previous balance on my accounts as I have not had an active account with them in over 10 years. With this information I sent out a debt validation request certified ( attached documents ), requesting debt validation documents be mailed to me within 30 days of receiving the debt validation request. This company never responded. I then attempted to contact the  company directly via phone instead but was not able to get in touch with a representative. I reached out to the credit reporting agencies after the collection company failed to respond to my request and filed a dispute. XXXX  deleted the account after conducting its investigation. However XXXX  and XXXX  stated the account had been verified. I requested a method of verification used by XXXX  and XXXX  to validate this debt, they failed to respond and only issued another investigation, that came back as verified and updated per previous investigation results. They didnt even attempt to reach out to the collection agency with the new found information. I then bought a service called XXXX, that accurately pulls all 3 credit reports and compare the information. The comparisons were inconsistent being the collection agency was reporting different information to different bureaus. The collection company will not validate the debt it claims I owe and I believe that its because it can not be validated as mine. This collection account is effecting my ability own a home, qualify for a better job at my current job and has caused me a lot of restless nights and worrisome days. I feel as if this company is taking advantage of me and is trying to force me to pay a debt that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened my checking account at TD bank on XX/XX/XXXX when there was the following promotion : receive cumulative direct deposit of {$25000.00} within 60 calender days of account opening and receive a {$300.00} bonus. The bonus will be credited into the new personal checking account no later than 140 days from the account opening date. I completed the direct deposit requirement ( direct deposit from my employer ) but as of today ( more than 140 days after account opening ) I still have not received my bonus. When reaching out to TD Bank they kept providing differnet and contradictory reasons on why I didn't qualify for the bonus when in fact I strictly followed all terms and conditions. People should stay away from this bank that refuses to honor their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have a Health Savings Account with Wells Fargo. We were told that it is being transferred to XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a new card and instructions to log in to my account, which I was unable to do. I called both XXXX and Wells and discovered that somehow my account is associated with a completely different birth date. My birthday is XX/XX/XXXX. The birthday they have is XX/XX/XXXX, completely different and not a typo. This is very suspicious. We are trying to go back over the account history to see what has happened. Can you help us verify that this is an innocent mistake and not something more serious. I do n't want my social security number associated with a different birth date.

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 2021-01-13
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PNC BANK Loan Reference Number : XXXX XXXX XXXX, NMLS # XXXX Loan Specialist Fulfillment, Consumer Originations Lending Services PNC BANK XXXX XXXX XXXX, Location : XXXX XXXX, MI XXXX Office : ( XXXX ) XXXX This complaint is made in connection with the above-referenced loan and the Loan Specialist servicing the loan, XXXX XXXX ( NMLS # XXXX ). Currently there is a dispute about the home appraisal for this loan. I provided the Loan Specialist a number of documented home improvements that substantiate an increase in the original home appraisal and he represented that this would be enough information to require an in-person appraisal of the home. This representation was false as he later informed me that the underwriter would not conduct an in-person appraisal and would not increase the initial appraisal amount despite the information that was provided to him. 

I have requested multiple times to speak directly with the Loan Specialist 's manager or supervisor and he has ignored all requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXX Balance Owed : {$19000.00}

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 2017-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America/ We began calling in XXXX of XXXX. We faxed all papers requested. We followed all and in XXXX of XXXX, we were told we can walk into any branch to file our paperwork. Mind you our mortgage is always paid on time. It is the equity line of credit that they began asking a few dollars short of our mortgage payments that we need lowered. To date we have paid interest monthly, however they feel tripling the amounts we should be able to pay. The facts are I only recieve social security, do not file federal taxes do to my age, and need the equity payments re-evaluated. The bank has asked for same forms over and over, we faxed mailed and can not pay a double mortgage. we explained this only to be refured to a counselor whom informed us that the making homes affordable is no longer. Than today i called the hot line only to be told it is. At this time i need some one to investigate the bank, and the referals they are giving. The bank for not working within the time allowed and the refferal agency for miss leading people. We do not want to loose our home. we only want a lower payment.

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 2016-02-16
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 resulted from identity theft

Complaint:
I had opened a cell phone account and all my information was stolen due to my purse getting stolen. I had found out that the cell phone bill had been accessed by someone pretending to be me. They had changed the address on the account and began making insurance claims on the account and also made a PIN so I was unable to access the account. I had filed a police report and went to a store to prove I was the real owner of the account. I had did everything I could as well as provided the name of the purse who stole my things and the creditor still went after me. I had disputed this information on my credit reports last year and everything was removed and then XX/XX/2015 the creditor had added it back onto my credit again.

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 2016-09-18
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Based on information and belief this is not my account. I have requested for verification and validation but to no avail. This ERC continue to double report the same items twice on my files. This company will not respond to my requests.

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 2022-03-27
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received phone calls everyday from XXXX to XXXX est from Midland credit in the entire month of XX/XX/XXXX. I explained to them that this is not my debt, to send me an itemized report. They demand to get my social security number, that I'm a thief, I'm going to jail, and finally that all my things are going to be taken away and I'm going to end up on the street. They called my job, my landlord and my family members harassing them. I never gave out numbers, so it's scary to know how they got it. I received a court date letter, with a thousand dollars added to the original amount they claim I owe ( XXXX due, original XXXX ). I do not owe Midland Credit any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX XXXX Balance Owed : {$19000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Commonwealth Financial Systems, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I CHECK MY CREDIT ON  XXXX / XXXX /  XXXX  , FOUND A MEDICAL BILL FOR {$710.00}, I NEVER RECEIVED A LEGAL NOTICE, NO VERIFICATION OF DEBT,, AND NO NOTICE TO DISPUTES THE DEBT WITH A 30 DAYS.

Company response to consumer: Closed with explanation