BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-24
Company: Arbor Residential Mortgage LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage is being sold from Seneca servicing to XXXX and I was notified less than 10 days of the effective date with the preliminary notification and no information from the new servicer to this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: TCF NATIONAL BANK
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank is closing my account, which I have kept in excellent standing, because they found I invest in XXXX. I have a business account, which generates plenty of fees for them, especially wires. I send frequent wires to XXXX in new york to buy XXXX, which I invest in short-term. I buy it low, and then sell it higher than what I bought it for. I am registered with fincen and comply with all regulations for the state of Ohio and the USA. I have an anti money laundering policy and it is strictly enforced. I have a XXXX company as well that uses the same account. 

What happened was I had asked if I could deposit cash into the atm late at night and the tellers said there should n't be a problem with even large amounts. So I deposited maybe XXXX to XXXX XXXX via the atm a few nights in a row, all at the same branch that I always use, and only I was doing the depositing. This triggered some kind of review on my account whereupon they saw that I wired to XXXX XXXX XXXX, XXXX which only sells XXXX and XXXX. Upon seeing that they decided without doing any other research, to close my business account, and my personal account too! I never even used my personal account for XXXX or anything. Also when it came time to sell my XXXX, I was very careful with this account. I gave out the information to no one. Only I or my employees deposited into this account. We only accepted cash, money orders, and some checks. We tried to positively ID all our buyers for the XXXX and maintained an XXXX log. We even filed a SAR on a suspicious person. We maintain a relationship with local and federal law enforcement as well. 

They gave me ZERO days to find a new bank. They deactivated my atm/debit card immediately. They want me to get my funds immediately. Most other banks give you XXXX three weeks to find another account. 

I have had numerous banks close my accounts for investing in XXXX. There hardly any banks left for me to go to now. This is totally unacceptable, to be discriminated against for investing in XXXX. These banks should work with investors in XXXX and coach them on how they should treat their accounts instead of simply closing them and suspending all services without giving the customer any time to move. 

And to close my personal account which was n't even used is also totally unacceptable. 

This is for my accounts ending in XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i have XXXX accounts on my credit report with the same company only one is correct

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 2016-06-23
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I had gotten a loan from Castle Payday and paid it back on the agreed upon date. Then, I took out a second loan with them a few months later for the same amount. As I was going through the verification, the rep confirmed the date it would be paid back, with the agreed upon interest. Then, she told me if I preferred, I could make weekly payments instead of the lump sum I agreed to. She neglected to inform me that if I chose to do that, all the payments would go to interest only and none would be applied to the principle. When I made what was I thought the last payment and called in to confirm that, I was told that I had been making interest-only payments and that I still owed the full amount on the principle. I refused to pay anymore as I felt as though I had been scammed and I had paid what I originally agreed to. Now it 's in collections and they have threatened me that I would be prosecuted for defrauding a financial institution. This company has several things on my credit that I feel are inaccurate and I do n't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: ERC
State: CA
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 had to get XXXX involved with a billing dispute with XXXX XXXX XXXX because of their lack of performance. When XXXX stepped in, XXXX XXXX XXXX finally adjusted my bill. The final balance was {$87.00} which I paid. BUT ... what XXXX XXXX XXXX did in retaliation was send the bill to collection even though they were told I would not pay until the bill was adjusted. So there it sits effecting my credit. I tried to dispute the account with the collection agency, Enhanced Recovery. They zeroed out the balance and moved it to " removed collection ''. I just checked my credit and they moved it back to " closed collection '' which is effecting my credit. THIS is ridiculous!!! It should have never been sent to collections in the first place!! The act was retaliation for getting XXXX involved in XXXX XXXX XXXX lack of performance!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with citizens one. XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX citizens one charged us a bankruptcy and foreclosure fee. We were current with R I Housing hardest hit home fund. My escrow payments increased significantly since we been paying our mortgage ourselves since XX/XX/XXXX. I asked for a statement and citizens charged us and can see the charge for B/R and F/C. We were under the hardest hit home at the time. I contacted citizens several times and they ca n't explain what this fee is for snd why I was charged. On XXXX/XXXX/XXXX there is a fee of XXXX for misc. B/R and F/C fees. This has caused a shortage in my escrow. We do n't owe these fees this is a mistake on their part that they refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: ERC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.

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: IL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received another call from Citizen 's Bank 's asset recovery division. I do not have any loans from Citizen 's Bank. My XXXX XXXX XXXX son who is still a full time college student has a loan that was sold to Citizen 's Bank. The contact information on that loan at the time it was sold was his, not mine. I did not cosign for the loan and he should not have to make payments since he is currently a full time college student. It is possible that they are calling about this loan. They could also be calling about a debt owed by XXXX XXXX who is not related to me and has never used my home phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: ERC
State: PA
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:
This dispute and investigation is for Enhanced Recovery. I had phone service with XXXX XXXX and was ending my contract with them and I was charged twice for a payment on my card. They continued to bill me for a third time when I explained they already received two payments. They continued to pursue me for compensation and I refused to pay because I was already charged previously. The account went to collections which it should NEVER have, and I disputed this file and had it removed a couple times from my report. Enhanced Recovery has since appeared on my report owning the same debt which was placed in a collections status plummeting my credit score. I needed it to go away to save my credit score so I paid the balance AGAIN in full in XXXX 2016 to get rid of the collections status. This account is still on my report and in collections status, I demand it be removed for good!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-06
Company: Healthcare Collections-I, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My original creditor advised me to contact HCI and make payment to them. I did contact them and started making payments on my own for the original debt. 
This debt collector calls often but hangs ups when I answer or does n't leave a message. I 've already made agreement to make payments for the debt I owe but they are acting strange and unethical by calling and hanging up on me or calling for no reason.

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 2016-10-14
Company: Big Picture Loans, LLC
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a personal loan during a difficult time from Big Picture Loans after receiving a document in the mail being approved for {$670.00} plus a {$160.00} finance charge. I paid on this as I was scheduled and I recently received a notice that my rate is going up next pay period when it should be paid off at this point. I feel trapped in a perpetual payment I can not escape with mounting debt. Is there anyway to settle this without driving me to bankruptcy? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Ocwen Financial Corporation
State: MO
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:
Ocwen is reporting a debt I do not owe, this debt is past the statute and I no longer have to pay it. The account is # XXXX and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: NIC, Inc.
State: AZ
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:
Nemo 's collection XXXX has a debt listed on my credit report that is not mine. I never signed a contract or entered into any contract with the people who owe this debt. I have disputed this with XXXX XXXX and Nemo 's to no avail. I have been unable to get credit or a loan due to this horrible ding on my credit report. 

I have attached the letter I sent to Nemo 's requesting all copies of said contract, etc. They did not send anything but a statement requesting payment. 
Further exploring by a family law official exposed the fact that this debt was discharged in a bankruptcy and is in the public records. I have also included the letter with the case number, as well as other supporting 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 2015-03-27
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On Friday XXXX XXXX I contacted equifax to dispute a duplicate charge from XXXX. I explained that there are XXXX accounts listed, XXXX closed and XXXX open with a balance of XXXX. I explained that the account was closed in XX/XX/XXXX and this account is a duplicate. Equifax reported on XXXX/XXXX/XXXX that they had completed the investigation and that they contacted XXXX and " the balance is being reported correctly ''. Equifax then changed the date of last reporting on my credit report to be XXXX/XXXX/XXXX. On XX/XX/XXXX I contacted XXXX and they stated that they have never been contacted by equifax and that I have no open accounts. They stated that there are no open accounts and They mailed me a paid in full letter. I have tried multiple times to file another dispute with equifax online, but their system states that the info I 'm inputting is not valid and it will not allow me sign in. This duplicate account has been on my credit report since XX/XX/XXXX and is currently prohibiting my ability to obtain a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a police report with police report with some fraudulent account XXXX XXXX XXXX XXXX, was one. ). 

Equifax refused to block this item on my credit report even though the police report said that the account was open without my knowledge. Additionally, I had also filed a XXXX postal office report as the account could have been open via mail fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My client has a collections on his credit report from XXXX XXXX XXXX, which has recently been charged by the Federal Trade Commission of pedaling worthless high school diplomas. XXXX. I do not believe he should have to pay this organization, yet his credit is being spoiled. Please advise regarding how we can have the collections information removed from his credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
both XXXX and XXXX are reporting late payments. I was told by my banker at XXXX not to pay my mortgage during both my refinance and my mortgage modification. They are reporting that time period as late. I feel this is poor and unfair credit reporting. XXXX offered a holiday relief program, I took advantage of this program offered by the bank. At no time did they tell me that I would be reported as paying late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: PRESTIGE FINANCIAL SERVICES INC
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had a loan with Prestige Finance on my automobile. In XXXX XXXX I refinanced that automobile with XXXX XXXX to bring my interest rate down. I have made numerous calls to Prestige to please close my account because it looks like I have XXXX auto loans on my credit report, when I only have the XXXX. XXXX XXXX paid XXXX XXXX the total amount of the loan on XXXX XXXX, XXXX. Prestige has agreed that the loan is paid in full and that they will close the account. This was told to me in XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and in XXXX XXXX, XXXX, that they were sorry and would take care of the matter immediately. It still has not been done. The account at Prestige Finance was XXXX. 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I sent Equifax a letter along with all the required ID documents pointing out inaccuracies on my credit report in XX/XX/XXXX. They have ignored me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX XXXX, I entered into the XXXX XXXX XXXX XXXX, so that they could act on my behalf while resolving all my debts. Since then, I have continuously paid the agreed payment plan totals to each collection agency. As of XXXX XXXX, I have completed the program because I successfully paid off my accounts ( bringing all balances to {$0.00} ). 
I am a single mother to a XXXX child and have worked hard to correct my credit and establish responsibility. This is so that I may provide a stable life for my child. However, I reviewed my credit score and was unhappy with it. I feel that reporting agencies failed to update my information correctly. Also, it shows my accounts as " charged of-unpaid '' which is negatively impacting me. All my closed/open accounts had had monthly payment arrangements that I honored. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Both myself and a credit agency have written and called on a three way call since XXXX to the have the " consumer disputes '' REMOVED from XXXX, and yet Equifax adds it back on just so that I have to keep a monthly account to MONITOR THEM!!!! 
Remarks " Consumer disputes after resolution Student loan - payment deferred Fixed rate ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
national credit collection agent has been reporting negative information to Equifax. Stating incorrect balance. I submitted a copy of my last balance of {$5700.00} with the creditor dated XX/XX/2009. national credit has reported my balance over XXXX, XX/XX/XXXX, today the balance reflecting in my report is over 8k.equifax has fell to removed the incorrect information from my report, national credit has imposed additional cost and never disclosed additional cost related to account, I feel they taking advantage of the system knowing the importance of rental properties checking credit for approval.to be consider for rental. Its been close to 7 years. I feel this practice is unfair and unjust and wish to have removed immediately. Equifax is a XXXX base company .as well as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: GOLDMAN SACHS BANK USA
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The migration from the previous XXXX XXXX vendor to Marcus by Goldman Sachs has been a complete nightmare for myself and my business. This is sold as a business card. During the transition, it took multiple attempts to actually get cards sent to us after they disabled the previous cards. Then we received multiple batches of cards for the same people in the mail. No one batch of cards worked for everyone. Some people 's cards from the first batch were the ones XXXX used for the account, and then some in a third batch. Moreover, they generated cards for administrative users who were not supposed to receive physical cards and were not assigned credit limits within the company, causing additional charging issues and attempts to link our corporate line of credit against their personal credit lines. 
Moreover, they do not have a way for us to pull the transactions from the website unless you've been assigned a card. No longer does the pull into XXXX work. Their export utilities for XXXX and XXXX files are not compliant, and these files are regularly missing transactions in the export. This has caused my business thousands of dollars in damages and delays, which they still have not been able to resolve.

Company response to consumer: Closed with explanation