BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-16
Company: ERC
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:
I have contacted this company be certified mail asking them to verify the dept that they say I owe with no response. They are reporting these XXXX accounts ( which are not mines ) on my credit report and will not communicate with me or give me the opportunity to clear them up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/31, I attempted to login to my Citi account that I have used for years and received an error message. I also received an error message when trying to login on my phone. I contacted Citi support and followed their troubleshooting steps but was still not able to access my account. 

A quick search online reveals a significant number of other people have had this issue due to Citi having poor IT infrastructure. I am still not able to login to my account or pay my credit card bill.

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 2015-11-05
Company: KEYCORP
State: AK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had {$14.00} in my account a charge came in for {$9.00} which the bank placed as " Pending '' This bought my balance down to {$4.00}. then another charge came in for {$7.00} and my balance went to - {$3.00} plus a overdraft fee of {$32.00} which brought my balance to - $ XXXX.Now the bank credited my pending {$9.00} which they already deducted that cause my original overdraft to my account.Then they now re-charged the {$9.00} as a withdraw and I got hit with a over draft fee of $ XXXX.bring my account to - $ XXXX.All of this in a 2 day period. This also caused a cascading effect which I got hit with XXXX more overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: KEYCORP
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I file a complaint with CFPB earlier ( Case # XXXX ) regarding Key Bank reporting on my credit reports account that they did not have. When First Niagara was bought out, my credit products went to XXXX. On XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2016-02-06
Company: TCF NATIONAL BANK
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX 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 non-monetary relief
Consumer complaint received 2017-02-03
Company: ProCollect, Inc.
State: TX
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:
I reached out to Pro Collect regarding a collection matter from an former apartment agency. I first never received the bill to tell me the amount. I was altered of the bill when I checked my credit report. I contacted the company agent and supervisor are rude and threatening. Did not negotiate the correct amount and attempting to overcharge the amount than what is actually owed. I was charged a reletting fee when I did not request a move out, I was asked to move out by apartment complex. As well Threatening behaviors by agents and supervisor.

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 2015-08-11
Company: PHH Mortgage Services Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Latest issue is not the first timetime. PHH mortgage reports severely late payments to the credit bureau when they were paid on time. When I call they claim no record of late payments on their end. They state they will correct the situation but do nothing. PHH mortgage has also XXXX some yrs ago modified my loan after I get hurt at work, accept the modified amt over a year XXXX times, then claim it was temporary, but because their system was behind, I would have to pay over XXXX to get acct current, and is adding it onto the loan. They have even reported that I was in foreclosure back in 2010, when I was not even behind on payments, causing a very high interest vehicle loan, they denied reporting that also, so the have ruined my credit, and are getting XXXX XXXX more for my house note. They have kept me from getting a loan, from inaccurate reports to credit bureau, cost me a high interest vehicle loan that I just paid off, and ruined my credit. Please help me! I will mail copies of many documents for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: KEYCORP
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am behind in my mortgage and learned from a letter from Citifinancial in XXXX that my home was to be auctioned XXXX XXXX. The phone number on the letter resulted in two days of calling and being transferred to at least XXXX different numbers to try to find someone who could give me information on my home and my loan and an amount to pay to stop the auction. I work out of state. My children are grown or away at school and we only get to come home once a month on weekends. I was informed in XXXX 2016, the amount I would need to pay before the XXXX of XXXX 2016 was {$36000.00}. Unfortunately my husband was hospitalized XXXX XXXX. I was able to make the wire transfer on Monday, XXXX XXXX as soon as local branch opened at XXXX. I was told by my bank that Citifinancial should receive the money by XXXX. Of course they did not post the funds to my account but I did call Citifinancial 's Massachusetts XXXX on Tuesday to inform him that I had made a wire transfer for an amount to reinstate the loan. He was kind and offered to send a message from his side to inquire about the receipt of the money. Apparently my auction date is XXXX XXXX, and not XXXX XXXX as stated in the letter I had received! Later in the afternoon, I received a call from a Citifinancial rep that they had received my wire transfer but that the amount was not sufficient to reinstate the loan. I was told I had to pay {$2600.00}. immediately. ( a monthly payment ). I do not have this amount to pay and will not have this amount to pay until the end of the month. Meanwhile, I am receiving so far XXXX3 calls a day about this amount and I have also received a call from a Citifinancial rep identifying herself as a supervisor and insisting that the money sent to Citifinancial would be returned and the auction proceed unless I made the payment immediately. 

Please note, I have not been served any papers about auction or foreclosure. I have noticed that my home has been listed on real estate websites for about 160 days as preforeclosure and auction. I am desperately trying to keep my family home. I will be able to continue with the monthly payments, I just can not make double payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My family 's property is facing foreclosure recently, our father passed away in 2014 and we were unaware of any creditors on his living trust, since his death CITIBANK NA has came forward with a claim and is now looking to foreclosure on our property without taken proper steps.

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 2017-01-12
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am unable to reach PHH Mortgage ( https : //www.phhmortgage.com/13571 ). 
- online their autopay webform is broken - their phone system is not working so unable to reach a customer service representitve

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony PayPal MasterCard. They collect the money and put the balance on hold for 15 days, I was never informed of such a policy and I have bills on this card that are now blocked. 

The worst part is that they say this is the first time I make a large payment which is not true. The customer service team says that Synchrony is able to hold funds but they are not able to unblock it. 

When I asked for a reference number from the conversation with their customer support, they shared that Synchrony does not support that and asked me to send a " mail '' to their po box with tracking as proof.

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 2016-09-10
Company: Paypal Holdings, Inc
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Hi im complaining Paypal because they wont let me withdraw or transfer funds to my local bank. They just sent an email saying that they noticed a pattern and that it maybe at risk so it has been permanently limited and the frustrating part is that i 'll have to wait 180 days when it 's available telling me that they just want to make sure that its not involve in any fraudulent activities. I email them saying that all transaction are legitimate but they only responded stating that their decision is final and that i can not withdraw my money. Please help me i needed it for hospital and medical expenses for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please help.

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 monetary relief
Consumer complaint received 2017-01-05
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Some one opened up a credit account at CITIBANK in my name, took over XXXX $ and 2 years later I found out about it, because Citibank contacted me about the outstanding balance.

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 2017-02-27
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New mortgage in 2015, with fixed rate of XXXX. Mortgage payment has gone up over {$300.00} since the origination of the loan, becoming harder to make payments. We have decreased insurance to help lower payments but they keep raising payments.

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 2016-07-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed an account with Citibank in XXXX, they did not close the account because it was reopened by a charge. This is legitimate, however I was never informed for 4 months when I finally got a letter stating I had an overdraft of {$110.00}. I called customer service and was told by a manager at the call center that ALL the charges would be reversed and the account would be closed. The following day I do not receive an email confirmation as requested, so I call again to ask another customer representative who tells me that I still have a balance of XXXX. No notes were entered to reverse any charges at all! Nothing was done they basically lied to me about reversing the charges. Finally they reverse some charges and I end up paying a balance of {$59.00} and closing the account. 

{$59.00} is n't a lot of money but it 's just the principle, the fact that a company tells you they will do something then does n't do it, then adds an overdraft charge and makes you pay anyway. I am not interested in Citibank 's response because I know that they will just deny that this ever happened, I just hope that enough people complain about the same thing over and over again that this causes them to be fined by the government. What your customer service team did was unethical and unprofessional you should not have made me pay overdraft charges in the first place since I was n't even aware that the account was open, and you certainly should n't have lied and told me you would reverse all the charges.

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 monetary relief
Consumer complaint received 2016-03-08
Company: NATIONS RELIABLE LENDING LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, 2016 ( I closed on XXXX XXXX, 2016 ), My lending agent asked me to send him my XX/XX/XXXX bank statement as it was, apparently, missing a page. I doubted that it was ; yet, I was prepared to send it again. It was about XXXX. My lender said he needed that document within a certain amount of time ( about forty-five minutes ) or my closing would be delayed. The pressure was surely on! After several attempts by my wife to take a picture of the supposed missing page and text it to the loan agent, she was told the pictures taken again and again were not clear enough, the agent could not read the document. At least forty-five minutes had passed. The loan agent asked for my username and password associated with my bank account. I was unwittingly prepared to give it to him until my wife adamantly cautioned me against doing so. She said, No! You do n't give out such personal information and should be skeptical of the motives of anyone, who is not supposed to, requesting such. She added ( since we could not meet the one hour deadline ) that the clear to close would just have to wait until the next day. I told the loan agent I could fax the document but it would take more than the time frame I was allotted by him. The agent acquiesced. The process took about forty-five minutes. I texted the loan agent when the document had been sent. The agent confirmed receipt by text. I am offended that the agent asked for such information. What was his motive? Under duress, I was prepared to act hastily. I feel insulted that he deemed me nave enough to break under that kind of pressure to close, dependent on his immediate receipt of the stated document. Was he trying to take advantage of the difficulties my wife and I encountered along the process of purchasing our home -- -- one being having had to change lenders before the loan agent of whom I now speak took over? Requesting my username and password associated with my checking account was wrong. Sketchy? Unethical? I remain indignant.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation