BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-03
Company: Integrity Asset Partners, Ltd.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
i was issued a student loan, wrongfully fired, have a child on the way, the company involved stopped paying the loan, it defaulted, was given to Integrity Asset who has called constantly and made threats in my voice mail as far as suing and garnishment of wages

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/12, someone withdrew {$5000.00} from my mother 's account at Citizen 's Bank at XXXX XXXX XXXX in XXXX XXXX, CT. The savings withdrawal slip was made out in the name of XXXX XXXX. That is not my mother 's name. It is XXXX XXXX. Supposedly, the bank did an investigation of this matter and said that everything was in order, but no one supplied the results of this investigation to my mother. My higher is XXXX years old. She has XXXX checking accounts, and had no need to withdraw money from her savings account. She has been in ill health over the past several years and is rarely out if the house. She did NOT make this withdrawal. 
I have attached a letter by XXXX XXXX, a friend, who wrote a letter to the bank and discussed the issue with the bank manager.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Prosper Marketplace, Inc.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I recently took out a HELOC on my house and used part of the loan to payoff my installment loan with Prosper. The payoff was overpaid by {$110.00} to Prosper.com, so I asked Prosper for a refund. Prosper says I still owe them {$130.00} and will not close my account and is continuing to charge me interest. I 'm afraid Prosper is going to charge me late fees and ruin my credit because they wo n't honor the payoff statement they sent me. 

I almost lost my rate lock because Prosper would n't provide a payoff statement to the new lender. I had to call repeatedly over a few weeks, and was always promised a statement would follow in 2-3 days from their finance department. It was n't until I filed a complaint with the BBB that I finally received my payoff statement. 

Now that I am having issues again with their customer service it has fallen back into the same cycle of them saying they need to send the issue to their finance department and will be in touch in 2-3 days. I filed another complaint with the BBB, but no response this time. 

They are ignoring my issue and trying to bully me into submission by holding my money and credit hostage! It is n't right! I 'm on hold for hours with their customer service and having to dig for viable remedies to get them to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: KEYCORP
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had previously submitted a complaint # XXXX against XXXX XXXX Bank that was successfully resolved in XXXX XXXX. It seems XXXX XXXX Bank has merged with KeyBank and now the same issue is happening. I retired in XXXX for health issues. Now living on fixed income. My payment is late every month I acknowledge I am unable to pay on due date because of the time of month my pension is received. I have not missed a payment in 4 years & pay late fee each month. Every month the bank would call everyday at least once despite my asking them in writing more than once not to. They claimed to have not received the letters despite receiving the payment attached to them. At that time the harassing calls stopped. Now the calls have begun again under KeyBank & they have even called my husbands cell phone & he is not on the account. Today I spoke to a representative asking again to not call me & to send all communication by mail. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: KEYCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Key Bank never sent me a copy of my XXXX for my mortgage through them. Key Bank recently purchased First Niagara Bank, whom I initially applied for my mortgage through. I emailed Key Bank, and have called them twice, asking for them to please forward me a copy of my documents so I could file my taxes. So far, and it 's been well over a month, I still have n't received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: KEYCORP
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Originally complained about numerous harassing phone calls ( # XXXX ) and, due to unemployment, how Key Bank refused to allow forbearance. Now, they have reported to the credit bureaus that I am 90 days late ( affecting credit score from XXXX to XXXX ), which is erroneous. Some month payments are doubled. I asked numerous times for a forbearance ( due to unemployment/ hardship XXXX XXXX to XXXX ) and was refused. Monthly payment is {$160.00}. The following are the payments made:XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$320.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}, XXXX/XXXX/XXXX - {$160.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00}

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 2015-06-29
Company: Arbor Residential Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In regards to CFPB Complaint # XXXX : Seneca Mortgage Servicing LLC claimed that they " ... previously responded to [ me ] regarding [ my ] complaint on XXXX/XXXX/15. We have attached a copy of that response for [ my ] reference. " This is a false statement, as evidenced by the XXXX mailing label which they provided as proof, dated XXXX/XXXX/2015, clearly showing that they did not in fact previously respond to me regarding my complaint. In fact the copy of the response that they reference which they attached to their CFPB response was the first time I had seen it. 

This just goes to show that Seneca is at best, incompetent, but I suspect there is something more going on here and implore you to open up an investigation of Seneca Mortgage Servicing for possible predatory mortgage servicing practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX from Procollect advised me that I need to contact him, but I have already forwarded him documents confirming that the account is not mine, I am already registered with the Do Not Call List and he keeps calling me daily.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: RoundPoint Mortgage Servicing LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir and/or Madame : As a senior citizen, I would expect not to be taken advantage of especially with something as serious as a mortgage. I have as of yet to be given an accurate, ongoing accounting of my mortgage loan. When I have asked questions, I have been given incorrect and/or incomplete information. " The year 's end analysis '', I was told would clear up all my questions. It has not. Please help with the following : I was initially informed that the mortgage insurance would be stopped after a few months Itemization of Amount Financed / Settlement Statement Return of the per dieum I was erroneously charged The money I returned from FHA repairs Insurances cancellation and accounting for XXXX Bank - accounting, request for loan payment in full XXXX. - accounting, letter of transfer XXXX - accounting Roundpoint Mortgage Servicing Corporation - accounting

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 2016-06-20
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:
i had a balance after moving from an apartment complex, i paid the balance off six months later prior to moving to another apartment complex but for some reason this company is trying to collect on a debt that has already been paid to the original creditor

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 2016-08-29
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 is not mine

Complaint:
Procollect Inc has listed our son 's debt on my husband 's credit report. I called to inform them of their error, and the representative was very brusk and constantly interrupted me. Further, Procollect continues to send notices to our address rather than our son 's. Lastly, our son is mentally impaired and under the care of the Texas XXXX agency. He has no means to pay this debt. I have informed Procollect of this both by phone and in writing but they persist. The rep 's response today was unacceptable behavior so I 've decided to post this complaint. Please help to get this resolved. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no record of this account that ever belonged to me with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.

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 2016-05-20
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I created a CitiGold bank account with Citi bank, I was told by several representatives that I would be receiving XXXX XXXX miles after signing up, using their bill pay system, and spending {$1000.00} on my debit card - I completed those goals and was told again that I would be receiving the miles. 

Now after still not receiving them I am told that I was not qualified for the bonus in the first place. I have saved the records of the conversations with representatives telling me that I was enrolled in the bonus program.

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 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:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2017-01-09
Company: RoundPoint Mortgage Servicing LLC
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
RoundPoint Mortgage Servicing has repeated " lost '' my home owners insurance policy each year. Each year I resolve this only to have it happen again. This has gone on for 3 years. They are employed by XXXX whom is known for taking on " high risk loans. '' RoundPoint is renown for missing payments, losing payments, losing escrow or insurance payments etc. It seems this would be an excellent way of XXXX companies working together to make predatory investments. By missing payments, losing payments, etc the homeowner would be forced into penalties and payments that they may not be able to make. In my case they clearly laid out their intentions by threatening to move my insurance to a company of their choosing at whatever rate it happened to be after RoundPoint deliberately lost my insurance policy for a 3rd year in a row. A policy that has been with the same company for 6 years and was able to be renewed for the 3 years with the prior loan servicer without any issues or intervention on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2011 I become unemployed. At that time my mortgage servicer was XXXX XXXX XXXX ( XXXX ). By XXXX I ran out of funds and I applied for mortgage modification and I head great difficulties to have the mortgage modified by XXXX, regardless, I used XXXX different mortgage modification company to help including XXXX MHA approved, Credability with no avail. 
XXXX sold my mortgage without resolving my modification. 
The mortgage changed couple of hands since. 
I am XXXX years old and XXXX, but because I was turned down with my modification and I need to keep my house I was forced to go back to work. I applied for modification to have my mortgage interest rate reduced not raised. 
The servicer Roundpoint Mortgage Servicing Corp. offered me a totally dishonest modification they are raising my interest rate from XXXX to XXXX. They are stilling my house, I am XXXX and my XXXX benefice is {$2000.00}. I have to XXXX as soon they will make my house affordable. 
Is insane to force me to work until I will be XXXX to pay the mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ProCollect, Inc.
State: TX
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:
First off, Pro-Collect used my application supplied to the apartment complex to call my dad ( in XXXX ), which they are not allowed to do. They advised him of my debt and called him so many times he had to block their number. Mind you, he was not co-applicant, he was just listed as a reference. Second, I called to pay my debt and the representatives are rude, disrespectful and condescending. Never in my life have I dealt with people who so unwilling to help. After the fifth phone call I finally was able to speak with a supervisor who was unwilling to remove my debt off my credit report as requested, which I do understand is a courtesy, but I paid my balance in full. When I asked why she said because I said so and that she was hanging up on me. Their tactics and representatives are awful and they should never be allowed to operate.

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 2017-02-16
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was a recipient of a meager {$500.00} from the XXXX. I was then sued by JP Morgan Chase in foreclosure. I believe when they saw I was a part of that lawsuit the switched out the Plaintiff for XXXX loan with what looks like a fake allonge. At the same time I called XXXX and they said they were in possession of and own the note. 


This all resulted from a fraudulently induced modification by XXXX in 2010, where my ex husband who is on the deed did not sign the modification. My income was not enough to pay the loan and still be able to pay other bills. It did not lower the payment or interest rate but they charged me {$1800.00}. They delayed the modification first, for 6 months and added a bunch of charges. I do not believe XXXX was allowed at that time by the DOJ agreement to do modifications. And with the XXXX in settlements from those banks, it appears very little went to the victims. Where did it go? 
The county judge in Pennsylvania would not allow me to file a counterclaim and granted them a summary judgment. 

I can not afford a lawyer. Today I got a notice of Sheriff Sale from XXXX. Is there anyone that can help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: Lennar Financial Services, LLC
State: NV
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
We started the home buying process XXXX 2015. The home we were buying was to close on XXXX XXXX, 2015. We had some trouble with VA underwriting and ended up closing on XXXX XXXX, 2015. My husband and I signed all closing docs on XXXX XXXX, 2015 at North American Title. Our sellers and agent picked the title company. We had never used them before. On page XXXX of XXXX of the residential purchase agreement the seller was to pay all HOA fees. We also asked for a home warranty up to {$750.00}. The sellers agreed and signed. The sellers were represented by XXXX XXXX XXXX. Everything was signed and agreed upon before we signed the closing docs. On XXXX XXXX XXXX our agent XXXX XXXX contacted us stating that the sellers/ relo company refused to pay the HOA fees totaling {$220.00}. The sellers agent, XXXX XXXX of Simply XXXX, stated if we did n't sign that she had XXXX other agents waiting for the house to fall out of escrow. We had no other choice, being under duress, but to pay the fees. Our agent reached out to the relocation company to get reimbursement and they refused. XXXX then contacted title who stated XXXX XXXX should have paid the fees. In e-mails between North American Title and Allegiance Relo we found out that North American Title had changed the docs after we had signed them. The sellers were to pay the fees yet someone in title had crossed out seller and written buyer unbeknown to us! There are e-mails between XXXX XXXX at North American Title and XXXX at XXXX that were XXXX to us. We have yet to get any documentation on our home warranty policy as well. Title left it out of the closing documents on the XXXX. I contacted my agent XXXX XXXX on the XXXX XXXX, 2015 about the home warranty.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is in foreclosure and I applied for a modification with America'a Servicing Company in XX/XX/XXXX. XX/XX/XXXX I received a denial of the modification stating that was my calculated income was insufficient to support a modification because the modified payment would be 42 % of my income. I hired an attorney to appeal the decision because I believed the decision was not accurate. My attorney appealed the decision and showed that the income that was used was not correct, that it was actually considerably higher than the income showing on the NPV test results attached to the denial. The appeal was also denied for the same reason. My attorney resubmitted the entire modification package on XX/XX/XXXX showing that my monthly income was in fact {$10000.00}. per month, not the {$7700.00}. per month that the denial stated. On XX/XX/XXXX I received another denial from America 's Servicing Company stating that they were not going to review my application again because the change was not substantial enough to conduct another review. I feel that is both unfair and ridiculous. They will not review my application when they were wrong i n their calculation to begin with which is why I was denied and even after I proved that they were wrong they would not reconsider. Additionally, that is a XXXX % difference in my income. I think any reasonable person would consider a XXXX % increase in their monthly income to be substantial. There is no justifiable reason for the denial, my documents clearly show that I can afford a modified payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation