BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is the XXXX complaint I have filed against Select Portfolio Servicing. I filed a modification request five years ago before SPS became the loan servicer. After I 'd submitted documentation repeatedly over that period, SPS stopped acknowledging my counsel and mailed me directly an offer, which I never received. When they notified my counsel that the offer was expired ( even though they claimed they were not authorized to speak with my counsel ), SPS refused to extend the time to permit me to accept the offer. 
Accordingly, I submitted a complete new modification application, XXXX on XXXX XXXX, 2015 and again on XXXX XXXX, 2015 and XXXX XXXX, 2015. SPS 's response was form letters directing me to file the forms I had just filed. Finally, on XXXX XXXX, 2015 and XXXX XXXX, 2015, SPS acknowledged receiving correspondence and information though the form letters do n't identify specifically what they received. Though my counsel has repeatedly asked SPS to call him if additional documentation is required, they refuse to do this. Instead, SPS continues to send form letters requesting me to send documents I have already, and repeatedly, transmitted to them, through my legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage servicer ( SPS ) that purchased my loan form XXXX does not provide a free method for their customers to make their monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX County Reg XXXX. Too old to be on file please delete.

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 2016-07-14
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We shopped long and hard for the perfect lender. The lender, Quicken Loans, said our " profile '' was very competitive and we were in great shape. Then they rejected quite suddenly before sending our " competitive profile '' to underwriting. The reason they gave was " Collateral : Does not meet seasoning requirements ''. Does n't collateral refer to the house? They never even sent out an appraiser, and if they had, they would have seen that the house appraised for thousands more than the asking price. We have excellent credit, even after every XXXX, XXXX and XXXX lender has hard-pulled out credit records as of this morning we are at XXXX for me and XXXX for XXXX. Further, after rejecting us and while I was scrambling to find another lender Quicken Loans told my realtor that our loan had been declined after all this time since we received our letter of approval. I believe it was completely out of line for Quicken to inform anyone of our loan being declined. We are a XXXX couple and sensitive to the possibility that we might have been singled out as being unworthy of credit due to our XXXX rather than our proven track record of spending within our means. Meanwhile, Quicken Loans suddenly decided that the debts of our non-profit corporation are suddenly our personal debts. Our non-profit has fully appropriate small business debt and some vendor credit which it pays timely. The non-profit it its own entity having its own tax ID number, own bank account and books that are strictly and carefully separate from ours and it files its own taxes. If the debts of the corporation are suddenly our debts then what about the income of the non-profit, is that suddenly ours as well? If not, then why are the debts of the non-profit our debts? Why did Quicken Loans repeatedly tell us not to speak to other lenders because they would take care of us and then they dumped us at the door to the underwriting team 's office? Why did n't the underwriting team have a chance to review our documents? Can you tell we are frustrated? Here we are in a contract on an affordable home and suddenly we have no mortgage with no plausible explanation of why we were rejected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: BB&T CORPORATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After signing up for online banking statements ( paperless ), I was still charged a fee of {$5.00} per month for " return statements ''. I have called the bank ( BB & T ) several times each year as well as going to a local branch ( XXXX NC ). Each time I was told it would be researched and corrected. Nothing was ever researched and the fees kept coming. Now the bank ( BB & T ) tells me they are willing to refund me one year ( {$60.00} ) of the fees even though I know they have charged me at least {$200.00} or more in these fees. They also took the money from a small savings account with these same return statement fees and closed the account. They say that they have no record of me talking to them regarding this problem or of me coming to the local branch to discuss this problem. The computers show when I signed up for no statements so the error on their part should show the amount they have charged me and how much should be refunded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

We HAVE request multiple times for the " description of reinvestigation procedure '' and not only did they not respond within 15 days, experian just completely ignored us. If they actually investigated they would see that it has been 7 ears since our very first payment that was delinquent. EXPERIAN simply wants to keep it on our credit report so they can collect more reporting premiums ... very sad Accounts in question are : 1.XXXX - It is 7 years since the 1st date of deliqeuncy Thank you for your time and i 'm looking forward to getting this resolved. have a great day.

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 2015-04-22
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit reporting agencies are incorrectly reporting my current account status as XXXX120 days past due. I paid the accounts and have a zero balance. I want the credit agencies to report the current status correctly as " Paid as Agreed ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BB&T CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
BB & T has illegally charged my account ( XXXX ) {$210.00} over a period of five ( 5 ) months. As you will see in the attached supporting documents the charges are listed as Misceallanous Debit inwhich I had these accounts for 12 months and I without being notified I noticed these charges from {$9.00} to {$12.00} in XXXX of 2016 I contacted the bank customer services who informed me that they could not do anything but credit me {$35.00} that I 'd have to speak with someone at the branch I opened the account at. 
In fact I did and waited almost 2 months for a branch manager to phone me back and as of today not one has contacted me. 
I spoke back to customer service today again who said only that branch could help me. So as you see my last result was here

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 2016-11-01
Company: BB&T CORPORATION
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2016 Regional Acceptance Corp, a subsidiary of BB & T Bank took monies in the amount {$390.00} from my personal checking account at XXXX XXXX XXXX ILLEGALLY, WITHOUT MY CONSENT OR KNOWLEDGE OR AUTHORIZATION and has refused to return the monies upon demand. It cause my bank account to become negative with bank fees!

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 2015-10-10
Company: Advance Bureau of Collections
State: GA
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:
Advance Collection Agency accepted an invalid claim for rent overpayment from XXXX XXXX XXXX ( XXXX ) and did not provide me with valid verification of the claim. In XXXX, 2014, XXXX XXXX XXXX informed me that the check issued to me on XXXX XXXX, 2014, for Housing Assistance Payment ( HAP ) was an overpayment and that I had 10 days to repay {$590.00} or the debt would be sent to collections. The letter did not acknowledge XXXX own letter of XXXX XXXX, 2014, ( attached ) which verifies that my contract was valid on XXXX XXXX, 2014 and would remain in effect until XXXX XXXX, 2014. There was no overpayment because at the time the last payment was made, the property was still under contract. Five months later ( After I had sold the property and no longer maintained an address in XXXX XXXX, XXXX sends a fabricated ledger statement with false dates to Advance Collection. Advance Collection did not investigate the claim and when I had a lawyer to call Advance Collection, there was some indication that the same staff member at Advance also worked for XXXX XXXX XXXX. I disputed the claim immediately, writing to XXXX XXXX, the Regional Director at HUD, and finally the Commissioners for XXXX and copied the last letter to Advance. Again, with no investigation or response acknowledging my dispute, Advance Collections placed a negative report on my credit report. I attach XXXX documents to show that XXXX claim for overpayment on XXXX XXXX, 2014, is not valid because the contract was not cancelled until XXXX XXXX, 2014. The second is to Advance Collections to inform them that the HUD regional office had suggested I contact the XXXX Commissioners about the dispute. The debt is not valid. The collection agency did not provide me with authentic and accurate verification of the debt and I was initially told by telephone that the amount was for repairs that I had not paid for. I am requesting that the negative report be removed, that relationship between Advance Collection and XXXX XXXX XXXX be investigated and that Advance Collections be reprimanded for its practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Experian Information Solutions Inc.
State: MO
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 sent of letters certified mail disputing all negative errors on all  XXXX  of my credit reports asking the credit bureaus to verified and send my proof that they verified all of the negative items im disputing. Plus I spoke with agents over the phones about all of this as well.

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 2016-05-25
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I called a number of banks simply to learn the mortgage rates offered by the institutions. A number of them ( e.g. XXXX, XXXX XXXX XXXX, XXXX ) opened up loan applications in my name and ran full credit checks without asking whether they could. I now have multiple sets of loan documents and account numbers for applications I never requested. I only wanted mortgage rates to figure out where I was going to secure my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: McCarthy, Burgess & Wolff, Inc.
State: FL
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 am unaware of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
*THE BELOW LETTER WAS SENT TO ME AFTER MY " BB & T. BANK '' ... .***REFUSED TO PLACE THEIR BANK SEAL ON THE BELOW : PDF : XXXX. 
PLEASE ASK THEM WHY? THEY WOULD " NOT '' VERIFY MY SIGNATURE, SO THE ''TREASURY DEPT. '' SENT THE BELOW LETTER, TO ASK ME TO GET MY SIGNATURE CERTIFIED. 
QUESTION : DOES ''BB & T. BANK '' TREAT ALL XXXX VETERANS LIKE I HAVE BEEN TREATED AT THEIR BANKS..? OR DO THEY BELIEVE THE FRAUD THAT WAS COMMITTED AGAINST ME..? WHILE I WAS LIVING IN XXXX OVER THE LAST FIVE-YEARS..? 

ALSO ASK " BB & T. BANK '' WHY..? THEY REFUSED TO PLACE MY NAME AS A CO-OWNER OF MY WIFE 'S SAVINGS ACCOUNT ... .. ( despite us having a JOINT CHECKING ACCOUNT together..? 
ALSO ''BB & T. BANK '' REFUSED TO HONOR MY REQUEST WITHOUT TELLING ME ANYTHING..? AS TO WHY..? THEY DID ''NOT '' HAVE ENOUGH RESPECT TO NOTIFY ME, THAT THEY WERE ''NOT '' GOING TO LET ME OPEN A XXXX-EDUCATION SAVINGS PLAN FOR MY XXXX OLD SON. 
**THIS ALL GOES BACK TO THE FRAUD THAT HAS BEEN COMMITTED AGAINST ME, ON ALL XXXX OF MY CREDIT REPORTING AGENCIES .... ( WHICH HAVE BEEN TAKEN OFF OF AT LEAST XXXX OF THE CREDIT AGENCIES ), like I requested. 

The Account Authorization ( PD F XXXX ) submitted is unacceptable as the form was certified. Therefore, we must ask that you submit a new form with your signature properly certified. 
Please note that the form 's instructions to the certifying officer state, " Acceptable certifications include the financial institution 's official seal or stamp ( such as corporate seal, signature guarantee stamp, or medallion stamp ). '' Notary public stamps are unacceptable. Please have the bank place their official seal on the form to certify your signature. If the financial institution does not have an official seal or stamp to use when they certify a signature, they may use the savings bond paid stamp that they normally use when cashing savings bonds for a bond owner. We may accept : Acceptable Certifications : *Signature/Endorsement Guarantee Stamp*Medallion Stamp*Official Bank Seal/Stamp*Corporate Seal*Consular Seal*A commissioned or warrant officer of the United States Armed Forces may certify the signature. 
If there is any further questions you can have your bank contact our office. 
Thank You, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My doctors office, XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, tried to defraud my insurance carrier and myself by billing XXXX for the same visit with XXXX different billing codes. I tried to resolve the issue with the doctor 's office directly. After being given the run around, I filed a claim with the Texas Department of Insurance and XXXX. The doctors office corrected their bill and resubmitted the claim. The claim was then paid correctly by my insurance company. During all of this, I received a letter from a collection agency, RS Clark and Associates. I contacted them to ask for validation of the debt because I was told by the doctor 's office that they did not turn in my information. I then called them several times and never received a call back. I looked at my credit and I have a derogatory mark for an account in collections. I have asked them to remove it and they say they can not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
i had a account with usaa bank along with my daughter well there was fraud on my acct so what they did was close all the accounts in the mean time they will not let my daughter get her money out of her acct because of the fraud on my acct in the mean time we have no money and asked if we could get the money out and also my son in laws money is going in there they want to hold the money for thirty days we need the money they say they take care of there own which is a lie

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: MB FINANCIAL, INC.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
MB financial has repeatedly, erroneously and continually escrows our insurance premium in explicit contradiction to our closing documents and agreements and are acknowledged by their letter dated XXXX XXXX, XXXX. Their records will reflect that we have always paid our insurance premiums separately from our mortgage. Between XXXX XXXX and today, MB financial has received, reviewed and corrected their error multiple times, only to revisit the problem again and again ; escrowing, returning and again encumbering our loan to MB financial 's fiduciary gain. This has additionally cost us valuable time and money. As such MB financial is in material breach of contract and unlawful fiduciary gain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
They closed our savings account down no explanation and we reached our forever. Finally sent 15 day demand letter in XXXX 2015 which they refused to respond to, even though ceo XXXX XXXX promised. This is a very dangerous company and needs to be red alterted to all government officials federal and state. They are disgustingly terrifying and worst customer service in the world. This is not a maybe but a fact, the most lethal consumer XXXX company ever. They destroy their own for a nickel. Of course they are gon na keep sending dates that they responsed to consumerfinance.gov but those are just trees to cover their deception, they do not want to pay out what they owe after almost 5 years of illegal savings account, checking account, credit card, debit card, personal loan, auto, renters and then some, the worst CREDIT REPORTING ME when I Was only an authorized user. This company is junk.

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