BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX checking accounts with Citizen Bank. XXXX is a primary that has a XXXX plus balance anther is a older account that was setup for direct pay of utilities balance usually {$1000.00} or less. The bank suggested that I cancel the utilities direct withdrawal. I did cancel the utility direct withdrawal. The bank also suggested and demonstrated the online bill pay feature. I went on my online account and started paying bills online. When you click the pay bill online button it does NOT give you the option of which checking account to to with draw from, it just chooses which ever account it wants. On the next screen the site just defaults to a checking account it calls " default checking account '' showing just the last XXXX numbers which on the the main page shows just the last XXXX. This is where it gets misleading and confusing. You see the terms " default checking account '' and XXXX digits. If your not looking closely you can start paying bills like its your primary checking account. I started using bill pay with smaller bills and seemed to work fine. Then I started paying bigger bills and it over-drafted XXXX times in two days due to using the incorrect account number that the system defaulted. In my case it defaulted to my non primary utility paying checking account and rang up {$170.00} in fees which Citizen would not credit. It never gave me the option to CHOOSE a account initially and then defaulted to an account I never use and has insufficient funds. If the system defaulted to a specific checking account it should have defaulted to my XXXX account which it did not. I believe that bank defaults the pay bill feature to the account with less funds in it. Citizen could not give me a explanation for why the system defaulted to the secondary account and cost me {$170.00} in fees. All they can say is that the you can change the account after the SYSTEM CHOOSES a account for you. I want to CHOOSE my account not have the system default to which account it feels like. 
I feel that this is happening to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: RoundPoint Mortgage Servicing LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: Arbor Residential Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a response for case number XXXX. I am unable to gain access to the established account. To recap, I was diagnosed with XXXX XXXX around XXXX. Initially, I did not have insurance. The medical costs placed me in a financial deficit that also resulted in pre-foreclosure. Through the good graces of the Florida Hardest Hit Fund, I was able to keep my home. XXXX is the mortgager and XXXX is the servicer. However, XXXX sent me an account statement dated XXXX XXXX, XXXX ( see attached documentation ) indicating that total amount ( arrears plus principal ) due was {$28000.00}. On XXXX XXXX, XXXX XXXX paid XXXX {$8500.00}. I received account statement dated XXXX XXXX, XXXX indicating that total amount due after application of the XXXX XXXX, XXXX disbursement was {$23000.00} with a monthly payment of {$230.00}. On XXXX XXXX, XXXX, XXXX paid XXXX {$12000.00}. I received an XXXX XXXX, account statement indicating a monthly payment of {$230.00} and principal balance of {$13000.00}. The XXXX XXXX, XXXX, statement showed a monthly payment jump to {$310.00} even though all required payments including monthly mortgage, were made on time. It also reflected continued extraction of escrow payments for PMI, taxes and insurance even though I had paid all taxes on the property on time from the inception of the loan ( see attachments ). The only proof of insurance provided by XXXX was effective XXXX XXXX, XXXX, after I had submitted my initial complaint to the CFPB.. After submission of the complaint to the CFPB, PMI was dropped without credit for previously incorrectly extracted funds and monthly payment per the XXXX XXXX, statement increased to {$990.00} ( see attached ). At inception my mortgage was approximately {$130.00}. XXXX has levied charges for items such as {$430.00} for property repairs that never happened. I have lived in this property since inception. I repeat for emphasis, that I believe that XXXX and XXXX is attempting to steal government funds and force me back into foreclosure. Please take a close look at the documents I have provided. I am trying to determine the fair principal and monthly payment owed after the correct application of FFH funds. I need all escrow charges refunded to me as they were applied incorrectly at best, fraudulently at worst. They did not pay property taxes. I did ( see attached documentation ). Nor, have they provided proof of insurance effective prior to the date of my complaint to the CFPB. How can monthly payments fluctuate so dramatically at the whim of the servicer on a fixed rate mortgage that is not in default? PLEASE HELP!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my home need {$6700.00} of escrow every year. All of the sudden Round point mortgage company want to add around {$8000.00} to my escrow knowing that my home insurance, my house tax, and my PMI is not changing. I called the Bank and No body is able to explain to me. They just read the letter again to me and do nothing as they are not professional bankers!! its like someone in XXXX is answering my questions. This bank has no local office or no one who can speak with no accent to help me around. I can not pay extra {$8000.00} for my mortgage monthly payment I told them just come and take the house and of course they did not care.

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 2023-01-31
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Collections Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received an alert from XXXX that Midwest Recovery Systems placed a negative item on my credit report. When I called them, they said I took out a loan from XXXX XXXX XXXX in XXXX of 2011 and that I owe {$660.00}. Midwest Recovery Systems did not send me a letter about this debt before this negative item was put on my credit report. In addition, I do n't remember taking out this loan. Also, Midwest XXXX XXXX is not licensed to do business in XXXX Illinois, so the loan is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Initially I thought that the flex loan through Advanced Financial was exactly what I needed at the moment. After having always made my payments on time for well over a year. Last month they charged me twice causing me to default on XXXX other accounts as well as overdraw my bank account. I have paid the principal off multiple times over. This cost me a lot of problems and a lot of money. I have never made a late payment on anything. I spoke with them they said they could not refund the money but that they would defer the interest. They did not. I spoke with him several times and what they said was the corporate office. No one knew anything about it. Then they tried to take money from my bank and my credit card. Accounts that had been used for a one-time-only payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-28
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
To Whom It May Concern : Shellpoint Mortgage Servicing recently became the new loan servicing company on my loan. The new owner of the loan is XXXX. Since taking my loan the servicer has had incorrect payments every month, for the past 4 months. When I contact customer service at Shellpoint the agents can not explain to me why my payments are wrong, although they acknowledge they are wrong. Additionally, Shellpoint Mortgage debited an amount {$500.00} GREATER than I agreed to over the phone when setting up the initial mortgage draft payment after the loan was sold. They worked to remedy this situation, but their competence and professionalism has been in question ever since. My payments are still not accurate, and they can not explain how they are coming up with the payments. My statements provide little information, and they are not responding in kind to my requests for more information. 

I 'm unsure how to proceed since I have no choice on who my loan gets sold to, and who services my loan. Shellpoint Mortgage is an abomination in the world of loan servicers, and I 'm not confident that they are even able to collect and properly apply my payments to the loan. 

I 'm hoping that you can help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Kriya Capital, LLC
State: VA
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:
Canceled service due price increase, that was not part of contract

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 2016-02-15
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX send me a renewal policy XX/XX/XXXX.The policy was much higher than the previous year. I decided to go with another company and I did not realize that I had to give decline in writing. 
A collection company R.M.S ( Receivable Management Services Corporation ) contacted me to set up a payment plan.I was contacted by XXXX XXXX XXXX. Agent I came to a payment agreement that XXXX XXXX negotiated with XXXX XXXX. 
The agreement of XXXX payments of {$160.00} totaling {$1200.00}. My first payment was on XXXX XXXX 2015. XXXX, XXXX, XXXX all checks were electronic and everything went smoothly. XXXX I send a check on the XXXX XXXX for the regular {$160.00}. I received a text notification that my account was overdrawn on Monday morning. I looked into my account and noticed that {$1000.00} had been deducted instead of the regular {$160.00}. I went directly to the branch and my banker contacted XXXX XXXX and asked to reverse the excess funds. XXXX thing happened XXXX we could not access the account as it had been closed. Keep in mind this was XXXX XXXX time on Monday morning. No one including XXXX was willing to help in any way as she was well aware of our agreement fully knowing that there was a serous over pay.After many attempts in the branch and within the coming days i tried with no success as no one was willing to discuss this.Every phone call was transferred to another person which led to nobody and finally it disconnected. The anger and helplessness was emotionally upsetting. Thankfully after evaluating my problem XXXX reversed the payment. I was told to close my account and open a new account. In XXXX I received a call from XXXX XXXX who said I owe money at first I could not believe she would call after everything that I went through.She was not apologetic. i was so disgusted I wanted nothing to do with them. I received a letter and called to be told that it was given to a law firm. 
I have not contacted the law firm .I need your help as they lied to me on several issues. They tried to grab money illegally and thanks to XXXX they saved me would have no recourse finacially to is to expensive to obtain a law firm..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-23
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I was called by my step daughters boyfriend. He said Proffesional Debt Mediation called him asking about me and wanted information. This person was called on his private cell phone and is not related to me. they called XXXX/XXXX/2016 @ XXXX. This is not a Company I am doing business with. They Contacted me in reference to a debt from XXXX XXXX that I am disputing. I never signed a contract with XXXX and I told the salesperson I was unable to pay the co-pay because I was laid off and my husband is a XXXX. They installed the roof and the original bill ballooned from {$1700.00} to {$3800.00}. XXXX representatives were verbally abusive and actually frightened me to the point I would n't leave my home. To have a collection company calling acquaintances is also frightening and an invasion of privacy. I never signed a contract with XXXX. The salesman had my husband sign my name. My husband is not the owner of my home it was purchased prior to our marriage and with his physical condition. He believed he was signing an estimate not a contract. The signature was acquired outside on top of a car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

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 2017-02-22
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX I contacted Professional Debt Mediation, Inc to pay a debt originally owed to XXXX in XXXX, FL. The amount was for {$1000.00}, the company and I agreed to settle on the amount of {$800.00} with the promise that the debt would be paid off and this would be removed from my credit report within 60 days. Well it is 2 years later and I just got a hard copy of my credit report and what showed up? This debt! That was supposed to be taken off!!! I have attached the letter from the collector I received at the time. I also have the original e-mail and the bank statement that shows the {$800.00} dollars were withdrawing from my account. I have attached some documents for your review as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Second Complaint Against Debt Collector for separate issue. Debt Collector continues to engage in unfair practices prohibited under both the FDCPA and and CFDCPA. Debt collector is unwilling or unable to provide all requested and required validation items that I as a consumer am entitled to under State and Federal law. Debt collector is unwilling or unable to verify that they are entitled to collect supposed debt by original creditor and is attempting to charge interest on supposed debt without providing requested documentation that they are entitled to do so as required under Federal and State Law. Company has refused to identify their company 's agent of service and is unwilling or unable to produce documentation where I agreed to pay supposed debt or to pay interest on supposed debt. Company has previously willfully denied attempted communication via regular and certified mail and over the phone and has now refused to provide requested validation documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
When I lost my job, Navient put me into unemployment deferment instead of an income based plan with a {$0.00} payment. I saw a news article about the class action lawsuit CFPB is taking against Navient for putting consumers into lesser repayment plans, realized mine was in the less helpful plan, and called them to switch it. Instead of switching me to IBR with an income of {$0.00}, they switched me over to IBR based on my income when I had a job. 

To compound this problem, they only notified me that they put me in the wrong IBR on Saturday morning, do n't answer the phone over the weekend, and took the money out of my account on autopay before my credit union had even opened this week. 

When I called them yesterday to complain, they said they could suspend my payments for 60 days to make sure they processed the IBR correctly, and that my payment was n't really due today, but since it was processing on autopay they could n't do anything about it. They should have suspended my payment for 60 days the first time so that this whole mess would not have happened! 

I am very frustrated that they repeatedly did not help me make sure I was in the best plan and only had helpful payments taken out of my account. I am frustrated that they sent me notice on Saturday that I was in the wrong IBR, at which point it was too late to fix it. I am frustrated that they took {$400.00} out of my bank account, which is my entire unemployment check, when they should have taken a {$0.00} payment. I was in PSLF before becoming unemployment and plan to be in the 25 year repayment if I can not do PSLF, so the {$400.00} payment does nothing to help me pay off my loans, and is money I really need right now since I am unemployed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: I.C. System, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My son and husband are both XXXX.When Billed XXXX. They called to cancel stating they were charged to much. They said they would work with them if they paid XXXX and then XXXX for phone and would suspend account. The next bill came to XXXX. I then called asked to speak to someone in resolution dept, talked to XXXX on XXXX, who said not only would the charge stay at XXXX but also added XXXX totaling XXXX which was sent to collections which has effected my husband who takes pride in paying his bills. We are on fixed income, my husband is XXXX has XXXX and my son XXXX, with whom my husband got phone for. They were dishonest in payment and fees when they sold this product.When I see commercials on what they promise it makes me sick, and to have a person like XXXX who is suppose to help resolve problems, was very cold.

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