BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was approved by a mortgage by XXXX, but my current bank, Citizens Bank, said they would meet or beat any competitive mortgage rate. Based on this, I sent my good faith estimate to them which I received from XXXX with a 15yr 2.875 % rate and a {$1000.00} credit. As I have done banking with them for 20 years, and also have my business account there, they sent me an email saying they would offer me a better rate at 2.75 % with no discount fee and appraisal fee paid. I reached an agreement with the mortgage agent for a 2.75 % rate, no discount fees, and a {$500.00} credit. 

I went to the bank the next day and signed all the paperwork with Citizens Bank. Good faith estimate was sent to me three days later which was incorrect ( and inconsistent within the document from section to section as to what was being offered ). I informed the mortgage agent and was told that it was a system generated email which did not reflect our agreement, but it would be correct at closing. 

This was a short sale situation and the bank holding the property paperwork had already agreed to an extension and would not give another, so we had to close on XXXX/XXXX/15. 

Received the HUD one hour before closing and saw it was incorrect. It did not reflect our agreement ( and did not even match the Good Faith estimate ). The HUD showed the correct rate, but added discount points and I was charged for the appraisal. There was no credit given. Called the agent and she refused to re-issue the paperwork to the bank. Tried to call her supervisor with no success. As this was the last possible day to sign the closing I signed the paperwork expecting we could get this resolved after the fact. 

It has been two months since my closing and my calls/emails to the mortgage agent, her supervisor, his supervisor, and the regional vice-president have all been ignored. I have just now received a form letter stating they will not honor their original agreement. 

I have a complete timeline and copy of every email/call/document which I will attach ( and which I presented to my branch manager ) and am happy to meet or discuss this with anyone from your agency. 

Thank you for your assistance in having Citizens Bank honor their original agreement which was used to get me to sign up with them. 

Best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-08
Company: ERC
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 resulted from identity theft

Complaint:
placing that I have a debt from a discharged BK wich is false in order to damage my credit for a file already known as ID theft. They simply bought the debt from someone who had to remove it. There is no contact information for themHere is the link from consumers talking about these criminals XXXX XXXX XXXX XXXX & XXXX & XXXX XXXX XXXX XXXX & 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 2016-09-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
In the spring of this year I received a call from my currant mortgage company, Citizens Bank, telling me I could refinance my currant loan for a lower interest rate. I have had my loan with them for aprox. 8 years. I told them yeah great. I went through the whole process and received a call for someone to come and do an appraisal and when I gave them directions and told them it was a double wide manufactured home I was called and told I could not get the loan. Now they are the ones that gave me my loan 8 years ago and now I am not good enough to redo it!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
The bank ( Citizens Bank NA ) took all of the money in my checking and savings accounts in XXXX 2016, most of which was my Social Security XXXX check, closed my accounts, and has not returned my money. This was due to me allowing some shady " Loan Companies '' access to my accounts, stupidity on my part, and in the course of their investigation, the bank decided that we could no longer do business, closed my accounts, and kept my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: NY
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 have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXXXXXX XXXX yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.

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 2016-10-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
On XXXX XXXX, I applied for the iPhone Upgrade Program through Citizens One Bank and was denied because the information on my application did not match the information on my XXXX credit report. I called Citizens One on Sunday, XXXX XXXX, and had them file an appeal. I was told the appeal would take five business days to complete. 

The following Saturday, XXXX XXXX, I called because I had not heard from them. This resulted in me calling almost daily for the next week to inquire about the status of my appeal. Ultimately, I got frustrated by the lack of progress and filed a complaint with the OCC, who forwarded it to the CFPB. They sent the complaint on to Citizens One, who called me to inquire about the complaint. The following Monday ( today ), I received a call from their appeals department who researched the matter. 

Ultimately, I was told I had incorrectly entered my birth year in the application, which caused the denial. They told me that my denial had been overturned and that I could reapply for the program. However, I would have to do it in-store. Their system would not allow me to do it again online. 

I told Citizens One that I live two hours away from an XXXX and asked if I could do it at another store that sold iPhones ( XXXX XXXX XXXX, XXXX XXXX, etc. ). I asked them if there was any way that I could do it online and they said that I would have to wait until XXXX XXXX and apply again, which would result in a second hard pull of my credit. 

I believe this to be discriminatory against those who live in rural areas that do not have access to an XXXX XXXX. Furthermore, I see little-to-no reason why the online shopping systems could not be upgraded to handle such an issue or why Citizen One could not process this loan application over the phone. After all, many financial institutions process far more complex loans over the phone. Citizens One may be one of these banks, assuming they provide mortgages. 

Furthermore, nowhere in the iPhone upgrade program 's terms and conditions states that I would have to go in to a store if denied. Had I known that, I would have probably sought to purchase my iPhone with XXXX Next program because of the local availability of a store.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This company charges an interest rate of 783 %. I was recently made aware that in Maryland, the maximum amount of annual interest on a loan under {$1000.00} is 33 %. I tried to contact Big Picture Loans in reference to this interest rate and an attempt to settle this debt but the email sent came back undeliverable. I have already made XXXX payment of {$180.00} which is interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: WEICHERT FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I had water damage to my condominium from a ruptured sprinkler pipe in a neighboring unit. We began to repair our home during the spring and summer out-of-pocket before we got our insurance settlement in order to expedite our return home. In total, our repair costs were approximately {$40000.00} This loss was ultimately covered, in significant part, by my insurance settlement. I received {$33000.00} from my insurance carrier, which I remitted to my mortgage holder as loss payee as soon as it was received in XXXX, 2015. 

My mortgage company has been holding onto this money without a legal right to do so. Our mortgage agreement allows them to " hold such insurance proceeds until the lender has the opportunity to inspect such Property to ensure the work has been completed to the Lender 's satisfaction. '' They conducted this inspection on XXXX XXXX, 2015, and both the inspector and customer service department indicates that the work has been completed to their satisfaction. 

Nevertheless, they continue to hold onto these insurance proceeds, creating a financial hardship for me and my wife who had to repair our home without the benefit of having insurance. Meanwhile, the mortgage holder is profiting from the float. 

When I call their " loss draft department '' they come up with novel things that I have to do, including, most recently, that I have to write them a handwritten letter recapping what I sent is a series of other letters. None of this is allowed in the mortgage agreement. 

This is a classic example of consumer fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
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:
I have requested from ERC that they provide account-level documentation to me to verify XXXX accounts that this collection agency is reporting to the XXXX credit reporting agencies. This collection agency has not replied nor have they contacted 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 2017-01-19
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage servicing changed my monthly mortgage payment amount based on an escrow analysis they said they performed but never sent. Although they have my email address and notified me of a late payment via this email address they did not send notice of the change in monthly mortgage payment. The payment I made was {$54.00} short of the new amount so they " held '' the monthly payment without notice and did not apply to my account. This seems to be done in an underhanded and secretive manner to incur late fees

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 2016-05-06
Company: ProCollect, Inc.
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:
They have reported the wrong information from the beginning. They had the wrong amount reported. I went directly to the apartment complex that the debt was owed to and paid them the correct amount. On XXXX XXXX I sent them a copy of the letter showing the debt was paid. They contacted me XXXX XXXX saying I was responsible for paying by the end of the month. Once I explained everything XXXX XXXX stated she saw where the information was received and they will verify its validity. At this point I had already filled a complaint on the XXXX. XXXX XXXX comes back and tells me no record of the information was received after I told her it was sent to a XXXX XXXX. I forward the email to her and magically they received it. There has still been nothing done. I want this resolved. It is getting extremely annoying that it has taken over a month for something to be done.

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 2017-01-22
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing to continue a complaint XXXX. I am attaching several documents which present my case and my situation. First, I was foreclosed by TCF. They never gave me the opportunity to make things right and NEVER considered a short sale offer I has for {$960000.00}. In the most recent letter letter ( attached ) from TCF, XXXX XXXX, he stated that he made many offers, offers I specifically asked for in my XX/XX/XXXX letter ( attached ) and that he did not hear from me. This is incomprehensible -- all I wanted was to keep my son in school -- and not have a deficiency judgment. He says they offered that, which must have only been a year ago, and that I did not respond. However when I asked for a copy of the offer, they have none. I am asking you to look into this situation. I also attach an offer I received for the property XX/XX/XXXX for {$960000.00} which TCF did not entertain, but yet they sold the home for {$800000.00} less than 6 months later. This is a choice of theirs to accept such a low offer for the home. They are pursuing a deficiency judgment of {$340000.00} against me and will not negotiate, Attached letter of XX/XX/XXXX. It should not be allowed that TCF took the home I lived in for 18 years, without any negotiation or offers of assistance. When I first approached TCF there were government programs offering 1 % and 2 % mortgages, and yet TCF would not consider lowering my rate, and then sold the home at such a steep discount. This should not be allowed. They purposely accepted {$160000.00} less for the home and are coming after me for an amount they know I can not pay. Please assist in getting TCF to withdraw their deficiency judgment and letting me put back the pieces of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: Arbor Residential Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: KEYCORP
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I completed a loan application with XXXX ( now Key Bank ), was given what I thought was a pre-approval letter but in reality was a pre-qualification letter to purchase a home. I paid for the home inspection, appraisal and up until mortgage committment day, everything was going well. On the day of mortgage committment I was notified that I did not qualify for the loan product they pre-qualified me for and was denied the mortgage based on me making too much money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: KEYCORP
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I believe I was charged excessive overdraft fees by Key Bank. I had a death in the family later last year and was really struggling. I slipped up a few times and did n't complain. The way they are applying the charges to my account created overages when their did n't need to be any. I am not asking for a full on refund but I have asked them for help. They have charged me a total of over {$500.00} last year and over {$600.00} already on charges that were most often put into the negative by how they chose to apply them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: RoundPoint Mortgage Servicing LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
First I 've never been late on my payment. 
Never had a claim but they went up on my payment. 
Servicing of my loan is the cause are my payment increase. 
* ( PAYMENT WHEN UP )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/2022 I called Transunion about putting a fraud alert on my credit report because of many unauthorized hard inquires. I have contacted these companies and they said they were done online. They told me to dispute them with the credit bureaus. they were not done by me and I asked 3 times to Transunion to remove them and they are telling me to call all the business again and get a delete letter. they aren't willing to do that even though I told them that I did not authorize these inquires.

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 2017-03-24
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back in XXXX, XXXX, I had a judgement filed against me where the bank put a levy on some funds in my account ( {$920.00} ). A couple of days ago, XXXX, a XXXX XXXX served Key bank with papers to have those funds transferred over to them. Instead of Key bank transferring the held funds, they took out money directly from my bank account ( {$960.00} ). Key bank has confirmed the first held funds are still sitting there waiting to be transferred and I have confirmed with the creditor that they sent the paperwork to the bank to have the held funds transferred over and nothing more. On top of that, Key bank with drew funds from protected funds ( I collect unemployment ) and also took it from an account that had less than the NY State protected amount per the XXXX law of {$2700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: ERC
State: GA
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:
Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-14
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this company has continued to collect on a debt that is not mine the account was created as a result of my identity being stolen i have had to get a police report id theft affidavit notarized and i gave them copies of my id and ss card all of this i emailed to XXXXXXXXXXXX and faxed to them as well @ XXXX about this fraudulent account that needs to be removed

Company response to consumer: Closed with explanation