BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-09
Company: CARVANT FINANCIAL LLC
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/2019, Carvant Financial LLC, of XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, New York illegally seized XXXX dollars from my XXXX XXXX XXXX XXXX account. This caused my bank account, that I share jointly with my wife, to go negative XXXX dollars. This debt was on an old auto loan that was taken out before I was married. Additionally, this company engaged in illegal practices in pretending to serve me. Although they are claiming I was served, I was never notified of legal proceedings against me until XXXX was deducted from my bank account. I only had approximately 50.00 in this account at the time so this has caused my joint account to go negative approximately 7,000 $ negative and adversely affected my wife whom is an uninvolved party. Neither the bank nor Caravant financial alerted me in any way to the withdraw of funds from my joint account. This violated Maryland law as the joint bank account was established after the judgment date, is jointly owned by an uninvolved party, and had less than 50.00 $ in it at the time. Maryland law DOES NOT allow for seizure of property by garnishment for accounts with less than 6,000 in them nor for accounts jointly owned when only one party is responsible for the debt. Neither the bank nor Caravant Financial will discuss this matter and I have been directed to a lawyer who represents Caravant Financial, who is still attempting to illegally collect money from me. The judgement against me was for XXXX, and yet XXXX was illegally deducted from my account and the lawyer insists I still must pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. XXXX claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX  won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since XX/XX/XXXX I've sent more than enough docum2 to prove my identification was stolen twice, and I'm stranded from my homw state of XXXX. 

In XXXX I sent proof of established credit from XXXX before my life was threaten by this identification theft that change my name to " XXXX '' instead of XXXX which made my social security card & XXXX  id not match. 

I'm the victim of an federal offense, why do I need to fix my : Not having a fico svore from XXXX. 

My XXXX  credit file has my statment for creditors to review, not allowing my credi card to be approved after sending documents for months in an disgrace. 

I'm XXXX, because the XXXX  XXXX made an clerical error on XXXX  name & XXXX  data breach has nothing to do with me. Approve my credit before I file an federal lawsuit under the fair credit act.

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 2019-06-18
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was loaned XXXX dollars on inboxloan.com and spoke with a person to get the loan. He simply told me I was to pay XXXX dollars plus interest. Well turned out I was able to login on the website the day I got the loan and before I got the loan. The day after I got my loaned they simply closed my account. Well actually it wont let me login. But I know they secretly shut it down or something cause other people had the same issues with login. Also issues with talking to customer service they simply hang up. I was charged 799 % interest and was shocked. The agreement they just had me sign and they said everything on the agreement was covered from over the phone. My XXXX dollar loan ended up me owing 4000+ dollars back. I will never do a loan ever again this is straight robbery and I do believe my information is being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I defaulted on a judgment order with Midland for {$4400.00}. Midland sent me an official notice on XX/XX/XXXX that a lien had been placed on my property, by the county, until the debt is paid. Midland is not allowed to garnish my wages in PA. On XX/XX/XXXX, over {$7500.00} was removed from my bank account. I never received notice from Midland or the bank that this was going to happen. I have also been told that I will not have access to my account until I pay the balance due. I contacted Midland to ask them to have the bank release the money directly to them. They said no, I need to come up with the money from somewhere else. The banker and I tried to contact the Midland lawyer, but all of their phone numbers are directed to someone to take a payment. I was told that you can not talk to the lawyers. I can try to email them. The writ of execution that they signed has frozen my bank account. I have no access to any of my money ( the money in there was actually my daughters federal loan for college that was just deposited ), and Midland will not offer any help and kept asking me for my debit or credit card to pay the balance. Extortion?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Experian Information Solutions Inc.
State: NY
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:
Looking into my XXXX. I see that I have over 18 reporting within 2 weeks period. A lot from car dealers and XXXX. However I myself personally have not applied for a new car or XXXX. And trying to contact all of them at once its hard to do.

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 2017-07-08
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct  business in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my XXXX mortgage with Bayview Loan Servicing LLC. I have a confirmation number for my payment, and my payment came out of my bank account. My agent said that a mistake had been made and that my account had been sent to foreclosure, but he took my payment anyway. He assured me, though, that he would contact his supervisor and have the process halted. This morning a woman and knocked on my door saying she represented a third-party and that my home was in foreclosure and she was doing an occupancy check. I contacted XXXX XXXX. XXXX said that Bayview is in the business of foreclosing on homes. I want to be placed with a more reputable mortgage company. You can not even get a person on the line when you called their numbers. One of their list of numbers is for a cruise company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After I called, everyday its a new inquiry on my account.

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 2017-11-13
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notice today XXXX/XXXX/XXXX from my employer that my wages were to be garnished. After reviewing the documentation provided from my employer I realized I have never heard of this debt. This is supposedly from a judgement received in XXXX of XXXX in XXXX TN. I currently live in NC and have had no knowledge of any judgments against me. I called the plaintiff listed Midland Funding LLC and the representative there had no information for me only gave me another number to call XXXX. After calling that number I see it is for an attorneys office XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. THe representative there was very rude and even after i told her this was not my debt told me i was pass the disputing period. how would I know to dispute something I have never had any information on. I was advised this is from a credit card issued by XXXX XXXX. I have never heard of this company and have never been contacted by them or any collection agengy. I was not given to opportunity to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-15
Company: JPMORGAN CHASE & CO.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
JP Chase Morgan turned my mortgage over to XXXX XXXX XXXX. They sent all my correspondence to the address they knew I was no longer occupying. Both XXXX and Chase sent information to my XXXX XXXX XXXX, XXXX, XXXX, AL XXXX address versus my apartment address. As a result, I did not know that my mortgage had been refinanced and that I needed to start paying a trial payment starting in XXXX and ending in XXXX. 
I made my payment to XXXX in XXXX. I had trouble making this payment. I contacted Chase about this problem. Of course they told me that they no longer had my mortgage. They do direct business with XXXX, and XXXX occupies their city-block building at XXXX XXXX   XXXX in XXXX XXXX  XXXX. Although I made my payment in XXXX, my home is in foreclosure. Indeed, a woman from a third-party came to my door this morning and did an occupancy check and took a picture of me at my front door. 
Chase is the largest bank in America and supposedly one of the most reputable banks in the entire world. I would anticipate that they would do business with more reputable companies. Chase should have at least contacted me by phone or emailed to let me know of the eminent change in the status of my mortgage. Indeed, I informed them of my medical status and that I had been in and out of the hospital and oftentimes completely unable to have access to my mail and other forms of information including my cell phone. Specifically, I have been in psychiatric wards where you are not allowed to have access to your cell phone and are only allowed to make phone calls at certain times of the day oftentimes not during business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: Premier Portfolio Group
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Constant phone calls and messages left by Premier Portfolio group to my phone, my wife 's phone and my XXXX young sons. They claim I have an unpaid debt from a payday loan or some nonsense. They threaten to call my employer, take legal action, etc .... 
I 've asked they stop many times. Today I received a call from a young lady named XXXX. Phone number called from XXXX. Callback number was XXXX. I called back because I need these calls to stop and XXXX hung up on me when I said I would report them to the FTC. I called back and said it was unprofessional to hang up on me and asked if the calls would stop. She said that she was n't going to argue with me and she would mark my file. I asked for her full name and she hung up on me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I informed National Credit Audit Corporation on two occasions that information reported by there company was incorrect. The amount listed and reports the credit bureaus are incorrect. NCAC responded in two letters on different dates stating The account was verified and is accurate. I received a final billing statement from the original creditor which list the correct amount owed. NCAC has refused to correct this information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Mortgage Research Center, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I reached out to Veteran United in search of more information for either a VA Loan or an FHA Mortgage. During the information collection process, I was VERY specific that I was only looking to inquire more information bout the application process and how it all works and that I had NO intention to purchase right away. 

Instead, the Mortage broker assigned to my application ran a " Hard Pull '' on my credit report which I had no intention of approving at this time since I'm still in the credit rebuilding process and a hard pull will do nothing but to affect the reliability of my creditworthiness. 

I reached out to the broker and his response was " Your credit will bounce back eventually '' not addressing the fact that I did not authorize this credit pull, and if in any way, shape or form it was implied on their end, it wasn't specifically explained to me that a hard pull was going to take place. 

Now I have it on my credit report and it will be there for 2 years for no reason unless otherwise, Veteran 's United rectifies this issue as soon as possible. 

Although I have every intention to keep working with Veterans United on the home buying process, a hard pull at this time is not what I had in mind, since I need to position myself in the best position to succeed when I'm ready to move forward with this mortgage.

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 2021-10-14
Company: HILLTOP HOLDINGS, INC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Primelending. 
My house sold and closed was on XXXX. Mortgage was paid off at closing. 
Over XXXX in escow to be paid to me. No communication from Primelending about my escrow refund. I called in late XX/XX/2021 and was told the check was sent on XXXX but was returned by the USPS ( no tracking number as it was sent regular U.S. mail ). I updated my mailing address with PrimeLending ( although my current home is mortgaged through Primelending so I am in their system but it is a different loan number. 

I have called XXXX and was told it was due to go out XXXX and I needed to allow for 14 business days for it to get to me. 
Called on XXXX ( spoke with XXXX XXXX who stated I need to give it 14 business days as it was processed on XXXX and sent via US.mail. 
I called on XXXX ( spoke with XXXX ) who said it didn't look anything was sent out on XXXX and she would put in a new request. I requested to speak with a supervisor and was placed on a lengthy hold. She came back on and told me that a supervisor was not available as they " are very busy ''. She stated she would have a supervisor call me back. 
Called XXXX ( spoke with XXXX XXXX as no one called me back. XXXX said that XXXX put in a new request and it should be ready by XXXX but they could not overnight it to me or send via certified mail so we could track the payment. I was told there was nothing else that could be done and when I asked to speak to a supervisor, I was told they were going to tell me the same thing he ( XXXX XXXX did. I asked to speak with a supervisor and was placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
When they call they always use abusive language. One person in particular whose name is XXXX works there and another guy, constantly calls at least 7 or 8 times a day after I've told them when they will receive their payment. They seem to not communicate these messages to each other so it become constant. 

My husband and I are over XXXX years old and this has become frustrating to him especially because he has XXXX and gets upset much more easier than I. But it has gotten so worse that I'm even tired of all the abusive calling. 

I told them when I sent my last payment not to call me anymore, but if they needed to reach me, they could do it through a XXXX, who I can't afford to retain. I just wanted them to leave us alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: WELLS FARGO & COMPANY
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Wells Fargo let me open and use personal checking account well I knew this person who I loaned money to and paid me back with a check. It bounced and I was let go from them and she was not they are horrible in XXXX, MS to deal with then they started closing all these accounts at the same time so I believe I was one that was caught up in that mess.

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