BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-18
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I received a letter from Quicken Loans requesting to refinance our home. In the information they stated exactly what I owed on our house. My complaint is they had to breach my privacy by at some point by searching my files to get this information. I contacted Quicken Loans and the first phone call I made to them they were uncerned about my problem. About a hour later a lady called from Quicken and apologized for the problem. I told her it was not about an apology it was about breaking the law by breaching my privacy. Then a little some man called stating he was from the executive branch of Quicken Loans and wanted to know what it would take to solve my problem. I told him I had some people working on the problem and they were to advise me in a few days. At this time the conversation ended. I believe Quicken Loans violated my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: AFNI INC.
State: HI
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:
Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i have submitted about XXXX complaints about this company and the run around is exhausting. everytime they respond the link that is attached is broken every single time. i do not think nco is still open or actually holds the title to my loans. if someone other than nct or aes looked at the cfpb like they say they do they too will see that in the loan default paragraph there is nothing stating i must remain in default. i can not believe the amount of laziness that is shown in this process. i do not think anyone in any of these situations truly reads these complaints and intends to read them as they say they do. i will send a complaint eveyr day for a year and contact lawyers offices if i need to. this will not go unsettled and im tired of the run around with these loans that apparently do not exist from a company i continue to contact that does not answer. do your job and fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My wife and I had two XXXX XXXX XXXX XXXX card accounts ( # XXXX ) and ( # XXXX ) as of the beginning of this year when the accounts, among a few others, were closed on XX/XX/XXXX. Unfortunately, along with this closure, the bank also canceled our credit card reward certificate for the calendar year XX/XX/XXXX, the " XXXX Cash Rewards, '' for the amount of {$1400.00}. When I called Citibank customer service over the telephone they advised me to write a letter to Citibanks Executive Response Unit ( see attached letter sent on XX/XX/XXXX ; attachment titled No. 1 ) inquiring as to why the points we had earned over the course of the whole year prior had not been included in our XXXX Statement. 

I received a responding letter from Citibank Client Services/Executive Response Unit on XX/XX/XXXX, stating that we did not receive the credit card reward certificate because our account had been closed ( see attachment titled No. 2 ). 

This was despite the account being open for the entirety of XXXX ( XX/XX/XXXX - XX/XX/XXXX ), and it being open from XX/XX/XXXX, until the time that it was closed on XX/XX/XXXX. As such, we asked that the rewards issuance be sent to us given that we had been accumulating points for over a year regardless of the account closure, and because the account was closed in XXXX, not XXXX. Furthermore, we had been notified in our XXXX statement that we would be receiving our rewards along with our XXXX statement, in an amount of {$1400.00} which had already been issued ( see attachments titled No. 3 and 4XXXX and XX/XX/XXXX bank statements ). When we received our XXXX statement, our rewards were not included. 

Following some correspondence with the bank, we met with XXXX Customer Service in person at one of the branch locations on XX/XX/XXXX, and were informed that our certificate had actually been issued already and processed on XX/XX/XXXX at XXXX XXXX, and that it was later canceled by Citibank on XX/XX/XXXX ( see attachment titled No. 5 ), which was 4 days after our account was closed. This indicated that the bank proactively took steps to cancel our reward issuance after the fact that it had been processed and after the account had already been closed. 

We are asking for this to be investigated so that you can help us get our earnings back, as our account had been in good standing all of XXXX and our account closure in XX/XX/XXXX should not have affected what we had earned on the account in XXXX. We believe that we are entitled to our reward earnings as long as our account was in good standing for the duration of the year in which we had been earning points and through the first two months of XXXX. 

We would appreciate your attention to this matter. 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 2016-02-19
Company: Critical Resolution Mediation LLC
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On the morning of XXXX XXXX, XXXX at XXXX EST I missed a phone call from the number XXXX. At XXXX EST, I returned the call. XXXX answered and did not mention what company he is with. And continued to withhold the company information so that I could understand who was calling. He then stated that I owed a debt from XXXX and the amount owed of roughly {$250.00} from XXXX XXXX. I then stated that I currently did not have the funds but I am however looking to pay off my debts as soon as I get money to do so. He then said " XXXX XXXX is looking to get this handled within the next 2 hours or law enforcement will be sent to arrest you this afternoon ''. I told him that there was nothing that I can do right now. He then stated, " Well if you cant pay it now, I will go ahead and send over your information to have you arrested. Goodbye ''. 
I called XXXX back at XXXX EST. He answered and I said " May i speak to XXXX ''. His response was " Who is this? '' I stated my name. He then said " XXXX XXXX, I dont know why you are calling me back. You said you cant take care of the debt. Please do not call me back if you are not looking to pay. I wish you the best of luck, '' As he is laughing on the phone. I called back once more to simply get the company information so that I can have it for future reference. Another man answered the phone and gave it to me as he also stated that the debt owed was {$130.00}. A completely different number from what XXXX said. I explained to him that I could not pay it and that I would like to speak to XXXX because I feel that he was very rude and unprofessional. He transferred me to XXXX. He answered and stated " Stop calling if your not going to pay. '' Then hung up. 

XXXX violated my rights under the Fair Debt Collection Practices Act numerous times by stating false debt amount owed and also threatening to gave me arrested within the day of XXXX XXXX, XXXX. 

Under the FDCPA, it 's against the law for a debt collector to ( among other things ) : use threats of violence or harm use profane language tell you that you 're subject to arrest or imprisonment if you do n't pay your debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-08-06
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Today I received a check from Mariner Finance in the mail for over {$2500.00}. I have never contacted this business or requested a loan from them. Included with the check was a letter explaining that depositing or cashing the check obligated me to a loan with an APR of 32.94 % The envelope was marked " Check Enclosed Open Immediately. '' In this era of rampant identity theft, any competent thief could have intercepted this letter and cashed the check as me, theoretically obligating me to pay. I am also extremely upset that this form of advertisement is used for high interest loans, obviously intended to prey on the desperate and vulnerable in our society.

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 2015-03-23
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Van Ru Credit Corporation
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company called Van Ru Credit Corporation located at XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX, is continually sending me letters to collect a debt which has expired. They have not removed this debt from my credit report either. Even the letters state that the debt has expired. If I contact this company directly, the 'clock ' will start running again and even states as much in the letter. The original debt was less than {$300.00}, but they have inflated it to {$2200.00}. Can you help me. I am a XXXX veteran with limited resources, but still need a good credit rating like everyone else in this country.

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 2016-11-02
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Threatened of being taken to jail. 
I was embarrassed and scared and paid what they wanted me to pay. I did stop the auto draft and planned on working out a payment arrangement ; they were not willing to work with me. They sent to collections and almost a year later, I received a voicemail at work threatening legal action against me. The next day I called them back and they said a constable was coming out with a warrant for my arrest.

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 2017-01-03
Company: JP RECOVERY SERVICES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
RECEIVING TEXT MESSAGES ON THE APPLICATION " GOOGLE HANGOUTS '', REQUESTING I CALL A CERTAIN PHONE NUMBER TO DISCUSS DEBTCOLLECTION, FOR DEBT I DO NOT HAVE. CLAIMING TO BE FROM A XXXX. THEY HAVE CALLED ME AND LEFT BLANK VOICE MAILS ON THE APP. AS WELL. PHONE NUMBERS FOR SCAM ARE AS FOLLOWS ; XXXX AND XXXX.

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
Consumer complaint received 2016-07-28
Company: AFNI INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05
Company: Duncan Solutions, lnc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. 
The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. 
We no longer have that bank account ; therefore, we can not verify it officially. 
The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. 
Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: Performant Financial Corporation
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The collection company constantly calls my husband at work. They hunt down people I know on my XXXX page and harass them. They have my number and they have my address. There is no need for them to be calling anyone else.

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 2016-07-11
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir, XXXX XXXX XXXX, 2016, we refinanced SLS loan # XXXX to XXXX. 
The escrow account had {$1900.00}, but SLS sent us a ESCROW PAID IN FULL CHECK # XXXX FOR {$450.00} - we have not cashed it! 
After several phone attempts, we finally spoke with SLS - XXXX on XXXX/XXXX/16. 
XXXX XXXX assured us that we would be receiving the difference within 2 weeks. It is now XXXX XXXX, 2016, well past the two week deadline and a couple days past the Georgia Law for damages for not satisfying the Escrow account properly. 

I expect XXXX checks from SLS : XXXX - will be for the {$1500.00} that is my monies. 
XXXX - will be a check for {$500.00}. for damages per Georgia Law I am sending this letter and supporting documents to the CFPB and to the Lien Release Department of XXXX , County, Georgia. 

Sir, these are the consequences of your past actions.

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 2016-09-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short Sale package was submitted XXXX/XXXX/16. We called SLS and they told us they would not review for a short sale due to the sale date on XXXX being within 30 days of receipt of the short sale package. The auction was then postponed to XXXX. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between XXXX when the package was submitted to the new auction date of XXXX. Yes - it was 30 days at first, then it was changed to 38 days. Coincidence? I think not ... .. 

It is obvious they have been trained to lie and deceive. 

Does the investor even know they received a short sale package? Is this evidence of SLS postponing a foreclosure date simply to defraud the investor out of further servicing fees? 

We have another file with SLS that they are doing the same thing on. It is very apparent this is a pattern of behavior for SLS, and they have no intention of working on any of their short sale files.

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 2021-08-04
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This credit reporting agency is harming me and limiting my ability to advance to a better position in life by reporting false, misleading, and inaccurate information about me. They are reporting that I owe a debt to XXXX XXXX in the amount of {$910.00}. This agency along with the debt collector have violated my right to privacy as well as broken the law in regards to sharing information that I deem to be private in nature. I reached out to this agency asked them to correct this erroneous information, but they refused and lied that this information has been verified. They did not provide me with a notice of debt as required by the law and did not give me any information about how they verified this false information when I requested validation of the debt. Plus, they can not verify something that is flat out against the law. 

Please assist me in correcting these blatant violations of federal laws that serve to protect consumers as these violations are gravely impacting the quality of my and the lives of my family members. 

Thank you in advance!

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 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I worked for XXXX from XX/XX/XXXX to XX/XX/XXXX. I had the HSA account with them. HSA account was maintained by : HSA BankXXXXXXXX, WI XXXXXXXXCustomer ServiceEnglish : ( XXXX ) XXXXXXXXIt was never told to me by XXXX or XXXX ( website via which we hold the hsa account and do various transactions ) and by this HSA bank itself that they are such a high maintenance bank. When i left XXXX - i contacted them ... they told me if i keep the account with them-they will be charging me {$6.00} per month ... I had a healthy balance of more than {$3000.00} always with them so obviously they were making money ... and they pay worst of the interest rates ... if somebody goes to investing ... .they will charge heavily for that ... .finally when transferred the money out of from them into my new HSA account - they charged me {$25.00} for that ... i asked why you are charging me {$25.00} ... they said that they have a lot of maintenance things to do ... .etc ... when i asked who is governing body ... they said OCC ... so i do n't whether it is OCC or CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: FIDELIS RECOVERY MANAGEMENT, LLC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Patients were offered a genetic XXXX screening at no charge as long as they had medical insurance. Tests were done in dental offices throughout the XXXX and GA. The tests were sent to XXXX. Patients were never billed patients and assured they would never have an out of pocket charge for saliva testing. XXXX never did send out statements, however, they turned patients accounts over to Fidelis Recovery Solutions ( collection agency ). Charges range from XXXX XXXX to XXXX XXXX or more dollars. Patients were shocked because they were promised no out of pocket cost. XXXX put it in writing. XXXX will not return phone calls or emails. I contacted a representative who is no longer with the company and he sent me training materials which stated " no out of pocket costs for patients '' The company would accept only what medical insurance would pay even if that was nothing " because we are collecting test data, and we want to make this test available to more people, we are accepting what insurance is paying and writing off the balance. '' I shared this information with the collection agency but Fidelis Recovery Solutions will not return calls about this issue either. Patients are being taken advantage of by both XXXX and Fidelis Recovery Solutions. Please advise me on how to help our patients.

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