BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-29
Company: HOVG, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I refinanced a loan with Quicken that I originally had also with Quicken. During that change my autopay stopped and I didnt realize it until I received a delinquency notice in the mail. 

I immediately set up autopay again but they had already reported it and destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Modify my loan in 2014 Select Portfolio Servicing ink agreed to take off late payments after modification was approved this never happened it 's affecting my credit score terrible they committed a felony conspiracy to commit fraud conspiracy to commit extortion Insperity commit and Corruption

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kia Motor Finance changed my account number without consulting me or giving me notice. I continued making my payments, but the payments were evidently going to my old account number instead of the new account number of which I had no knowledge. After they contacted me to collect a debt on XX/XX/XXXX, I explained I had made my payment. After some investigation they apologized and said they would fix THEIR error. I continued making my payments to the now correct account number, but I am getting several calls a week saying I have not made my payment and they are collecting a debt. This has now happened 3 times with each time the issue being resolved and notes taken. I am now receiving letters that I am multiple payments late. This is not the case.

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 2016-06-01
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, 2016 a Complaint was filed against BB & T with Case # XXXX. 
As of today my requests were either delayed, denied and or flat our ignored. There is still a total of XXXX deposits that are " MISSING '' from the account in question. The Deposits total an amount of {$2100.00} and was given to the bank or about XXXX XXXX. As of today the money is still not available and not showing in account, even though Banking Institution have the funds. This banks continues to inflate and or " COOK '' the books. Where is the stolen and or Lost funds?

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 2021-03-06
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was admitted the emergency room at XXXX XXXX XXXX in XXXX, LA in XXXX of 2020. I was told by the hospital and my health insurance company ( XXXX ) that my benefits covered the costs. 
Never did I receive a bill from the hospital, yet I recently received a bill from Southern Credit Recovery , INC. XXXX XXXX XXXX XXXX, LA XXXX for the amount of {$750.00}. The bill states that if I do not pay this amount to them that legal action will be taken upon me. 
The bill also says their client is XXXX XXXX XXXX XXXX, XXXX Why would I be told by the hospital and my insurance company that I owe nothing yet this Credit Recovery Company claims I owe {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: WV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I bought my home back in 2000 the mortgage company I had sold out to XXXX other companies Now a company called Select Portfolio Servicing which they say the are a debt collector. I have issues from the start with them. They can not tell me whom has my mortgage. They recently put an ad in the paper to auction my home. Thank god I got hold of the Attorney General and they got hold of XXXX XXXX XXXX the attorneys who are handling it. Which they will not give me any information. Even when I was making payments I was getting harassing calls and letters saying I was behind. When I call them they are rude and they are always losing the paperwork for a modification. I am at my wits end with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Bread Financial Holdings, Inc.
State: CA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXXXXXX XXXX and Comenity Capital/XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is Comenity CapitalXXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Collection Management Company
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received two calls with in 2 minutes and then another one les then 30 minutes later just today and at least 4 times a day any given day.I will receive 3-5 calls more before the end of the day. They leave pre recorded messages as well that cuts off so you do n't know the name of the company. The phone number that is calling all day is XXXX. When I told them that they are calling too much and I was reporting them the lady laughed at me. It 's for medical that I 'm disputing at his time so they should n't even be calling me. Their collection efforts are abusive at his point and need to be stopped.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: BB&T CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
XXXX advertises a 0 % loan on the XXXX plow website XXXX I applied they confirmed then made a " mistake '' on the contract I called back and they were going to fix it. Instead i told the dealer that I would purchase the plow outright and paid with a check. XXXX never cancelled the original contract, two month into the loan i called to pay it off they charged me a 9.9 % interest. Please let me know what my legal recourse is. 

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 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I disputed inaccurate information and haven't got anything back within FCRA time frame of 30 days. fcra requires my credit report must be 100 % accurate.. I disputed these inaccurate errors XX/XX/2021 via certified mail with return receipts and still have yet to get a response. That is in FCRA law violation

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 2016-10-06
Company: Rocket Mortgage, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Quicken first committed bait and switch practices by stating I would get a full refund for a XXXX dollar deposit, when I did not receive the full refund I called to find out why, their terms and conditions state they can pull fees from that deposit. 
Quicken then assisted the appraisal company in committing fraud by stating repairs had been verified as completed when they had not, resulting another inspection. I submitted evidence and was able to get this XXXX fee waived. 
Quicken was caught in lies several times, they would tell me one thing about the process and then when I spoke to my realtor I found out the truth was entirely different. I believe this is because I am a first time home buyer with a small loan, Quicken tried to take advantage of me. 
And finally they are committing extortion. My closing was pushed back several weeks due to their mishandling and even though weeks ago I asked them to get a fee waived by the appraisal company because this company committed fraud in order to generate more income ( they claimed they did not have full access to property when all sellers, realtors, and I can confirm all keys were available at time of appraisal. ) They made no attempts to get this corrected until XXXX ( this was requested XXXX ) and now that I am at closing I was informed I ca n't close on my house if I continue to fight these fees. If I close on the house then I waive my rights to fight the charges. They know that I have no choice to accept the extra charges because I had been required to vacate my current residence XXXX. I feel they purposely waited and backed me into a corner where they could take the most advantage of me. As they push my loan farther and farther back I get closer to the point where my rate will no longer be locked in, and they will have the opportunity to raise it, I am afraid this is the direction this is headed in, and again I will have no choice but to accept it because I desperately need a place to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: The CBE Group, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received a call from CBE Group, requested contact number, and company they are representing was treated very rudely and denied a number, or the name of the company they are representing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: BB&T CORPORATION
State: TN
Product: Credit card
Issue: Rewards

Complaint:
Hello, I recently noticed my BB & T Spectrum rewards credit card was no longer working despite having available credit. I reached out to BB & T ( they did not make any effort to call me before placing a block on my card which I use every day ) to see what the problem was. I spoke with someone in Risk Management who informed me my account was under " investigation '' due to my high spending. The card was in good standing with no late payments. A few days after that, with no further contact from BB & T, my credit card was removed from my online account and I now assume it to be closed completely. I support BB & T 's right to close my account, but as of now the rewards that I had earned on the card are not available to be redeemed. It is clear to me that the primary reason they closed my account was due to me earning too many rewards. However, all of my earnings were in accordance with the terms and conditions ( see here XXXX ). 

BB & T never once attempted to keep my account open by asking for verification of income or source of funds documents. They simply wanted to prevent me from carrying out the rest of my bonus spending. I would request that I receive the rewards I was not able to redeem, as well as my " XXXX % anniversary bonus '' ( see below ) From the terms and conditions - 30 % anniversary bonus on Annual Earn when total annual purchases are greater than or equal to {$50000.00} A XXXX percent ( XXXX % ) anniversary bonus may be earned each year after the Member 's Anniversary Date if the Member has made total annual net qualifying purchases of greater than or equal to {$50000.00} during the Anniversary Year. Please allow up to ninety ( 90 ) days after the Anniversary Date for the anniversary bonus rewards to be applied to Member 's rewards balance. 

As you see above, there is a XXXX % anniversary bonus on rewards after reaching the threshold of {$50000.00} spending. Since I reached this threshold and then was closed, BB & T is preventing me from reaching my anniversary, where under their terms I would be rewarded the XXXX % bonus. What is stopping them from just closing all cardholders at 9 or 10 months so no one is able to receive the bonus? BB & T has effectively made a credit card product that encourages higher than normal spending levels, but then punishes consumers by closing accounts no questions asked prior to being able to receive the bonus for reaching said spending levels.

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 2015-04-13
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) on the behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated several laws attempting to collect a debt. Information was disclosed to my spouse ( non-signer ) and suggestions were made that I was having an affair and a XXXX. This same XXXX XXXX threatened to have me arrested at my home or place of business. He would find me and take me in. I acknowledge that I owe the debt and made partial payment today in an effort to resolve but my rights and the law were violated in the effort.

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 2021-03-06
Company: Convergent Resources, Inc.
State: GA
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:
On XX/XX/2020 Convergent Outsourcing Inc. added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

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 2021-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2021 they checked my credit twice without my specific consent along with two other companies when a car dealer shared my information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Wells Fargo bank has the worse practice in the industry. 
I had a check to my customer in XX/XX/XXXX, it was cashed on XX/XX/XXXX. The same check was cashed again on XX/XX/XXXX. I called Wells Fargo immediately, it still let the check go through. I have to call them XXXX times. The only explanation I got was it was done by mobile deposit, it can not be caught. It is real scary thing in the banking industry, it means the same check can be cashed many times and the bank do nothing to stop those kind of activities and the worse the part is Wells Fargo wo n't stop that and gave all the non-sense excuses for those kind of practice. 
Wells Fargo has to have action for some clients who do not allow the mobile deposits. Could you imaging the 6 year old check can be cashed XXXX times?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-25
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I signed up for a college class which I never took. I was charged non the less. Now they are trying to collect money they are not owed. This is fraud.

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 2021-03-06
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
Month after month I have written all three bureaus. Once in XXXX and twice in XXXX and I have not gotten one response. I have researched and researched on what is it that I am suppose to do when the bureaus are just blatantly ignoring all of my letters. Please help me. Im losing it right now. This is ridiculous. I am literally losing everything because of all of this stuff that is on my report. This stuff is not true and I want it removed immediately. I have attached all the letters that I have written to the bureaus. This is ridiculous and unfair. Please help me I dont know what else to do. I was told that the CFPB will get the bureaus to follow the law so I am writing you for this stuff thats going on. Please help me. I am also sending in another letter to each bureau on Monday. I have no clue what to do to get a response

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, my partner passed away and I was namedthe personal representative of the estate. Since XXXX XXXXI have been attempting to work with Wells Fargo to completea deed in lew of foreclosure. Wells Fargo has assigned mycase to many representatives who tell me that this is basicallyapproved, then not approved, then it is assigned to newperson. Wells Fargo had stated on the phone, of whichthereXXXX have been many calls they have recorded. 
that this is moving forward and their are no issues. 
There is a line of credit with WElls Fargo of whichthey stated they declined the {$6000.00} offer from thefirst, only to tell me on the phone they reversed thatand would accept it. I was told today that the previousHome Preservation Spedicalist was removed from theposition, and that he had incorrectly selected the wrongscreen and put my case into a different status ( I still do notunderstand ) and that I would need to start the process overagain. I have done everything I can and have so many lettersstating that this is moving forward, only to have the letter thenext day tell me it is not, then the following day it is. I havehad no less than XXXX home preservation specialist. This hasbeen ongoing since XXXX and when I asked to speak to asupervisor I was given XXXX, only to be told today, that personwas not my preservation specialist supervisor ... .so I was liedto. I do n't know what else to do and need assistanceto get this moving forward so it can be closed out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: WELLS FARGO & COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I keep being charged overdrafts after I cover the overdraft before it posts. The bank ( wells fargo ) posts it the date it was presented not the day it cleared and charges me overdraft fees

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX and XXXX the car dealer shared my information with nine creditors without my consent. I never authorized chrysler to pull my creditl

Company response to consumer: Closed with explanation